First Shore Federal Savings and Loan Association in Virginia vs the state
33.3%Denial rate+17.39 pts vs state
50.0%Decision denial rate+29.75 pts vs state
33.3%Origination rate-26.19 pts vs state
—Median rate
—Rate spread (pts)
$162kMedian applicant income
2Loans originated
2Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 3 | 28.6% | — | #611 |
| 2024 | 5 | 2 | 20.0% | — | #642 |
| 2025 | 6 | 2 | 33.3% | — | #624 |
What First Shore Federal Savings and Loan Association lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most First Shore Federal Savings and Loan Association applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Accomack County | 6 | 2 | 2 | 33.3% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 6 applications in 2025, of which 2 were originated and 2 denied.
33.3% of all applications, or 50.0% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First Shore Federal Savings and Loan Association's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology