Newport News Shipbuilding Employees Credit Union, Inc. Dba Bayport Credit Union mortgage approval rate & lending review
Newport News Shipbuilding Employees Credit Union, Inc. Dba Bayport Credit Union decided 2,329 mortgage applications and funded 1,910 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Newport News Shipbuilding Employees Credit Union, Inc. Dba Bayport Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Newport News Shipbuilding Employees Credit Union, Inc. Dba Bayport Credit Union at a glance
Approval is 16.0 points above the 70.1% 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 | 96% | 370 / 386 | 99% | $265K | 365 |
| Home improvement loans | 83% | 1,016 / 1,225 | 93% | $75K | 948 |
| Cash-out refinance | 85% | 265 / 313 | 97% | $105K | 256 |
| Refinance | 87% | 220 / 254 | 94% | $95K | 206 |
| Investment property purchase | 96% | 73 / 76 | 100% | $185K | 73 |
| Investment cash-out refinance | 90% | 28 / 31 | 100% | $185K | 28 |
| Investment refinance | 97% | 29 / 30 | 97% | $175K | 28 |
Newport News Shipbuilding Employees Credit Union, Inc. Dba Bayport Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Virginia | 86% | $75K | 2,326 | 1,907 |
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 Newport News Shipbuilding Employees Credit Union, Inc. Dba Bayport Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Virginia Beach city, VA | Home improvement loans | 88% | 309 | 261 |
| Chesapeake city, VA | Home improvement loans | 83% | 297 | 231 |
| Hampton city, VA | Home improvement loans | 84% | 254 | 199 |
| Newport News city, VA | Home improvement loans | 78% | 265 | 191 |
| Newport News city, VA | Mortgage lenders | 94% | 127 | 117 |
| Hampton city, VA | Mortgage lenders | 97% | 78 | 76 |
| Chesapeake city, VA | Cash-out refinance | 90% | 82 | 74 |
| Virginia Beach city, VA | Mortgage lenders | 97% | 70 | 68 |
| Norfolk city, VA | Home improvement loans | 78% | 100 | 66 |
| Virginia Beach city, VA | Cash-out refinance | 86% | 78 | 65 |
| Chesapeake city, VA | Mortgage lenders | 97% | 68 | 63 |
| Hampton city, VA | Refinance | 86% | 71 | 58 |
The county markets where Newport News Shipbuilding Employees Credit Union, Inc. Dba Bayport Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Newport News Shipbuilding Employees Credit Union, Inc. Dba Bayport Credit Union
What is Newport News Shipbuilding Employees Credit Union, Inc. Dba Bayport Credit Union's mortgage approval rate?
Newport News Shipbuilding Employees Credit Union, Inc. Dba Bayport Credit Union approved 86.2% of the 2,329 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 16.0 points above the 70.1% national rate for the same mix of loan types.
How often do borrowers take the loan Newport News Shipbuilding Employees Credit Union, Inc. Dba Bayport Credit Union offers?
Borrowers accepted 95% of the loans Newport News Shipbuilding Employees Credit Union, Inc. Dba Bayport 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 Newport News Shipbuilding Employees Credit Union, Inc. Dba Bayport Credit Union make?
The typical home improvement loan loan Newport News Shipbuilding Employees Credit Union, Inc. Dba Bayport Credit Union made was $75K; across all loan types its typical loan ran from $75K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Newport News Shipbuilding Employees Credit Union, Inc. Dba Bayport Credit Union lend?
Newport News Shipbuilding Employees Credit Union, Inc. Dba Bayport Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in Virginia and North Carolina.
Can I apply to Newport News Shipbuilding Employees Credit Union, Inc. Dba Bayport Credit Union directly?
Yes. Newport News Shipbuilding Employees Credit Union, Inc. Dba Bayport Credit Union reports as a direct lender that takes applications from borrowers.
Does this page show Newport News Shipbuilding Employees Credit Union, Inc. Dba Bayport 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 Newport News Shipbuilding Employees Credit Union, Inc. Dba Bayport Credit Union treats applications, then get a rate quote from the lender.