1ST ADVANTAGE FEDERAL CREDIT UNION
1ST ADVANTAGE FEDERAL CREDIT UNION received 1,119 applications in 2025 and made 691 mortgages, in 98 counties across 22 states. The median rate its borrowers got was 6.375% on a median loan of $105,000. Of 1,017 decisions, 285 were denials — 28.0%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493003KBJMVUE7RQO90 |
|---|---|
| Applications received | 1,119 |
| Mortgages made | 691 |
| Denied | 285 |
| Approved, not taken up | 41 |
| Withdrawn or incomplete | 102 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.929 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 61 | 6.375% | $425,000 | 15.8% |
| Refinancing | 122 | 6.125% | $115,000 | 17.7% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Other purposes | 500 | 6.115% | $85,000 | 31.5% |
Where 1ST ADVANTAGE FEDERAL CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Newport News city, VA | 124 | 6.700% | 31.5% |
| James City County, VA | 118 | 5.990% | 24.4% |
| York County, VA | 76 | 5.990% | 25.0% |
| Gloucester County, VA | 64 | 5.990% | 15.0% |
| Hampton city, VA | 52 | 6.740% | 38.8% |
| Virginia Beach city, VA | 35 | 6.490% | 32.1% |
| Chesapeake city, VA | 26 | 7.120% | 12.9% |
| Chesterfield County, VA | 22 | 6.375% | 22.6% |
| Henrico County, VA | 16 | 5.490% | 25.0% |
| Norfolk city, VA | 14 | 7.125% | 15.8% |
| New Kent County, VA | 13 | 4.990% | 27.8% |
| Isle of Wight County, VA | 9 | Under 10 loans | 21.4% |
| Poquoson city, VA | 9 | Under 10 loans | 30.8% |
| Mathews County, VA | 8 | Under 10 loans | 33.3% |
| Middlesex County, VA | 8 | Under 10 loans | 20.0% |
| Portsmouth city, VA | 8 | Under 10 loans | 20.0% |
| King William County, VA | 7 | Under 10 loans | 12.5% |
| Richmond city, VA | 7 | Under 10 loans | 41.7% |
| Suffolk city, VA | 6 | Under 10 loans | 42.9% |
| Williamsburg city, VA | 6 | Under 10 loans | 25.0% |
| Hanover County, VA | 5 | Under 10 loans | 14.3% |
| Charles City County, VA | 4 | Under 10 loans | 0.0% |
| Loudoun County, VA | 3 | Under 10 loans | 0.0% |
| Prince William County, VA | 3 | Under 10 loans | 33.3% |
| Dinwiddie County, VA | 2 | Under 10 loans | 0.0% |
| Fairfax County, VA | 2 | Under 10 loans | 60.0% |
| Frederick County, VA | 2 | Under 10 loans | 0.0% |
| King and Queen County, VA | 2 | Under 10 loans | 40.0% |
| Mecklenburg County, VA | 2 | Under 10 loans | 0.0% |
| Powhatan County, VA | 2 | Under 10 loans | 0.0% |
| Prince George County, VA | 2 | Under 10 loans | 33.3% |
| Stafford County, VA | 2 | Under 10 loans | 0.0% |
| Charlottesville city, VA | 2 | Under 10 loans | 0.0% |
| Jefferson County, AL | 1 | Under 10 loans | 0.0% |
| Mobile County, AL | 1 | Under 10 loans | 0.0% |
| Shelby County, AL | 1 | Under 10 loans | 0.0% |
| District of Columbia, DC | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Cobb County, GA | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 0.0% |
| Hampden County, MA | 1 | Under 10 loans | 0.0% |
| Middlesex County, MA | 1 | Under 10 loans | 0.0% |
| Camden County, NC | 1 | Under 10 loans | 0.0% |
| Chowan County, NC | 1 | Under 10 loans | 0.0% |
| Forsyth County, NC | 1 | Under 10 loans | 0.0% |
| Franklin County, NC | 1 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 1 | Under 10 loans | 0.0% |
| Payne County, OK | 1 | Under 10 loans | 0.0% |
| Newport County, RI | 1 | Under 10 loans | 0.0% |
| Galveston County, TX | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.