1St Advantage Federal Credit Union mortgage approval rate & lending review
1St Advantage Federal Credit Union decided 721 mortgage applications and funded 498 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions 1St Advantage Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
1St Advantage Federal Credit Union at a glance
Approval is 7.7 points above the 67.7% 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 | 86% | 56 / 65 | 96% | $295K | 54 |
| Home improvement loans | 72% | 335 / 467 | 90% | $55K | 301 |
| Refinance | 79% | 100 / 126 | 94% | $75K | 94 |
| Investment home improvement | 70% | 19 / 27 | 79% | $215K | 15 |
1St Advantage Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Virginia | 75% | $55K | 694 | 477 |
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 1St Advantage Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Newport News city, VA | Home improvement loans | 76% | 202 | 135 |
| Hampton city, VA | Home improvement loans | 56% | 82 | 42 |
| Newport News city, VA | Refinance | 73% | 49 | 34 |
| Chesterfield County, VA | Home improvement loans | 89% | 35 | 30 |
| Virginia Beach city, VA | Home improvement loans | 71% | 42 | 29 |
| Virginia Beach city, VA | Refinance | 88% | 25 | 22 |
| Chesapeake city, VA | Home improvement loans | 69% | 26 | 17 |
| Hampton city, VA | Refinance | 80% | 20 | 14 |
The county markets where 1St Advantage Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about 1St Advantage Federal Credit Union
What is 1St Advantage Federal Credit Union's mortgage approval rate?
1St Advantage Federal Credit Union approved 75.5% of the 721 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.7 points above the 67.7% national rate for the same mix of loan types.
How often do borrowers take the loan 1St Advantage Federal Credit Union offers?
Borrowers accepted 92% of the loans 1St Advantage 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 1St Advantage Federal Credit Union make?
The typical home improvement loan loan 1St Advantage Federal Credit Union made was $55K; across all loan types its typical loan ran from $55K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does 1St Advantage Federal Credit Union lend?
1St Advantage Federal Credit Union decided applications in 15 of the states Fat Boy Data covers, most of them in Virginia, North Carolina and Alabama.
Can I apply to 1St Advantage Federal Credit Union directly?
Yes. 1St Advantage Federal Credit Union is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show 1St Advantage 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 1St Advantage Federal Credit Union treats applications, then get a rate quote from the lender.