Chartway Federal Credit Union mortgage approval rate & lending review
Chartway Federal Credit Union decided 2,833 mortgage applications and funded 1,833 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Chartway Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Chartway Federal Credit Union at a glance
Approval is 1.5 points below the 70.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 88% | 332 / 376 | 99% | $425K | 328 |
| Home improvement loans | 66% | 930 / 1,411 | 92% | $65K | 859 |
| Cash-out refinance | 71% | 29 / 41 | 100% | $195K | 29 |
| Refinance | 68% | 648 / 950 | 92% | $95K | 594 |
Chartway Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Virginia | 72% | $65K | 1,491 | 990 |
| Utah | 70% | $165K | 1,019 | 678 |
| Texas | 51% | $65K | 185 | 86 |
| North Carolina | 75% | $115K | 24 | 18 |
| Florida | 67% | $55K | 21 | 14 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Chartway Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Virginia Beach city, VA | Home improvement loans | 69% | 413 | 261 |
| Virginia Beach city, VA | Refinance | 72% | 274 | 182 |
| Salt Lake County, UT | Mortgage lenders | 92% | 183 | 166 |
| Chesapeake city, VA | Home improvement loans | 74% | 239 | 164 |
| Washington County, UT | Home improvement loans | 72% | 177 | 119 |
| Chesapeake city, VA | Refinance | 81% | 139 | 103 |
| Washington County, UT | Refinance | 65% | 167 | 102 |
| Norfolk city, VA | Home improvement loans | 64% | 169 | 101 |
| Salt Lake County, UT | Home improvement loans | 60% | 146 | 79 |
| Salt Lake County, UT | Refinance | 61% | 138 | 76 |
| Norfolk city, VA | Refinance | 71% | 73 | 44 |
| Harris County, TX | Home improvement loans | 45% | 96 | 38 |
The county markets where Chartway Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Chartway Federal Credit Union
What is Chartway Federal Credit Union's mortgage approval rate?
Chartway Federal Credit Union approved 69.3% of the 2,833 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.5 points below the 70.8% national rate for the same mix of loan types.
How often do borrowers take the loan Chartway Federal Credit Union offers?
Borrowers accepted 93% of the loans Chartway Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Chartway Federal Credit Union make?
The typical home improvement loan loan Chartway Federal Credit Union made was $65K; across all loan types its typical loan ran from $65K to $425K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Chartway Federal Credit Union lend?
Chartway Federal Credit Union decided applications in 27 of the states Fat Boy Data covers, most of them in Virginia, Utah and Texas.
Can I apply to Chartway Federal Credit Union directly?
Yes. Chartway Federal Credit Union is a bank or credit union with 41 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Chartway Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Chartway Federal Credit Union treats applications, then get a rate quote from the lender.