Langley Federal Credit Union mortgage approval rate & lending review
Langley Federal Credit Union decided 3,573 mortgage applications and funded 2,836 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Langley Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Langley Federal Credit Union at a glance
Approval is 11.7 points above the 68.0% 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 | 87% | 304 / 350 | 98% | $255K | 297 |
| Home improvement loans | 80% | 1,617 / 2,032 | 100% | $55K | 1,617 |
| Cash-out refinance | 84% | 74 / 88 | 96% | $195K | 71 |
| Refinance | 84% | 660 / 782 | 100% | $105K | 659 |
| Investment property purchase | 62% | 21 / 34 | 100% | $145K | 21 |
| Investment refinance | 65% | 33 / 51 | 100% | $75K | 33 |
| Investment home improvement | 58% | 136 / 233 | 100% | $55K | 136 |
Langley Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Virginia | 80% | $55K | 3,326 | 2,646 |
| North Carolina | 81% | $525K | 178 | 143 |
| Maryland | 70% | $55K | 69 | 47 |
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 Langley Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Newport News city, VA | Home improvement loans | 77% | 472 | 364 |
| Hampton city, VA | Home improvement loans | 82% | 432 | 356 |
| Virginia Beach city, VA | Home improvement loans | 82% | 376 | 308 |
| Chesapeake city, VA | Home improvement loans | 79% | 242 | 191 |
| Newport News city, VA | Refinance | 85% | 158 | 134 |
| Virginia Beach city, VA | Refinance | 86% | 134 | 114 |
| Hampton city, VA | Refinance | 79% | 131 | 104 |
| Norfolk city, VA | Home improvement loans | 73% | 135 | 99 |
| Newport News city, VA | Mortgage lenders | 86% | 94 | 79 |
| Chesapeake city, VA | Refinance | 83% | 77 | 64 |
| Hampton city, VA | Mortgage lenders | 90% | 71 | 61 |
| Chesterfield County, VA | Home improvement loans | 81% | 64 | 52 |
The county markets where Langley Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Langley Federal Credit Union
What is Langley Federal Credit Union's mortgage approval rate?
Langley Federal Credit Union approved 79.7% of the 3,573 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.7 points above the 68.0% national rate for the same mix of loan types.
How often do borrowers take the loan Langley Federal Credit Union offers?
Borrowers accepted 100% of the loans Langley 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 Langley Federal Credit Union make?
The typical home improvement loan loan Langley Federal Credit Union made was $55K; across all loan types its typical loan ran from $55K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Langley Federal Credit Union lend?
Langley Federal Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in Virginia, North Carolina and Maryland.
Can I apply to Langley Federal Credit Union directly?
Yes. Langley Federal Credit Union is a bank or credit union with 21 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Langley 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 Langley Federal Credit Union treats applications, then get a rate quote from the lender.