Applications / Mortgage Analytics / Lenders / Virginia / 1st Advantage Federal Credit Union
Yorktown, VA · Credit union · NCUA · $1.1 billion assets · 691 loans in 2025
1st Advantage Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
691
loans originated, 2025
1,119
applications, 2025
12
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
1st Advantage Federal Credit Union is a Virginia credit union lending mostly for home improvement and other purposes, and its 691 loans in 2025 were 14% more than in 2024, faster than similar lenders and the whole market.
Other purposes made up 39.2% of its loans and home improvement 33.1%; refinances were 18.8% and home purchases only 8.8%. Almost all of it, 99.7%, was conventional. Its typical loan, $105,000, was the same as at similar lenders (credit unions making between half and twice as many loans).
Originations rose 14%, against 6% at similar lenders and 10% for the whole market. Its yearly count went from 67 in 2021 to 579 in 2022, and after a dip in 2023 it reached 691 in 2025. Five years before, in 2020, it made 94 loans.
Majority-minority areas took 25.9% of its loans, against 10.5% at similar lenders, more than about three in four of them. LMI (low- and moderate-income) borrowers took 30.6%, against 27.0% at peers. Its share in LMI areas, 14.5%, was near the middle of its peers.
In Virginia Beach-Chesapeake-Norfolk, its largest market, it ranked 30 of 577 lenders with 0.7% of the market, up 0.1 points. In 2025 it first lent in Providence-Warwick, Birmingham and Mobile, each with a very small share.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 1st Advantage Federal Credit Union took 1,119 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 39.2% · Home improvement 33.1% · Refinance 18.8% · Purchase 8.8%
Conventional 99.7% · VA 0.3% · of 691 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Virginia | 672 | 97.3% |
| North Carolina | 5 | 0.7% |
| Alabama | 3 | 0.4% |
| Massachusetts | 2 | 0.3% |
| Texas | 2 | 0.3% |
| District of Columbia | 1 | 0.1% |
| Florida | 1 | 0.1% |
| Georgia | 1 | 0.1% |
| Illinois | 1 | 0.1% |
| Oklahoma | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Virginia Beach-Chesapeake-Norfolk | 557 |
| Richmond | 84 |
| Arlington-Alexandria-Reston | 12 |
| Birmingham | 2 |
| Charlottesville | 2 |
| Winchester | 2 |
| Austin-Round Rock-San Marcos | 1 |
| Blacksburg-Christiansburg-Radford | 1 |
| Cambridge-Newton-Framingham | 1 |
| Charlotte-Concord-Gastonia | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003KBJMVUE7RQO90 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 497383 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 57448 | 1991–2017 |
Established 1 January 1951. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: 1st Advantage Federal Credit Union's data.
1st Advantage Federal Credit Union's data
$215
1st Advantage Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy 1st Advantage Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]