PARTNERS 1ST Federal Credit Union in Virginia vs the state
27.5%Denial rate+11.51 pts vs state
31.1%Decision denial rate+10.86 pts vs state
60.8%Origination rate+1.26 pts vs state
7.50%Median rate+0.88 pts vs state
0.38Rate spread (pts)+0.16 pts vs state
$93kMedian applicant income
31Loans originated
14Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 69 | 38 | 26.1% | 7.50% | #315 |
| 2024 | 45 | 24 | 17.8% | 8.00% | #382 |
| 2025 | 51 | 31 | 27.5% | 7.50% | #373 |
What PARTNERS 1ST Federal Credit Union lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most PARTNERS 1ST Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Page County | 21 | 16 | 3 | 14.3% |
| Culpeper County | 7 | 3 | 4 | 57.1% |
| Orange County | 4 | 2 | 1 | 25.0% |
| Frederick County | 3 | 0 | 2 | 66.7% |
| Louisa County | 3 | 1 | 2 | 66.7% |
| Rockingham County | 2 | 2 | 0 | 0.0% |
| Fluvanna County | 2 | 2 | 0 | 0.0% |
| Madison County | 2 | 0 | 1 | 50.0% |
| Stafford County | 1 | 0 | 1 | 100.0% |
| Winchester city | 1 | 1 | 0 | 0.0% |
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: 51 applications in 2025, of which 31 were originated and 14 denied.
27.5% of all applications, or 31.1% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans PARTNERS 1ST Federal Credit Union originated in Virginia in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are PARTNERS 1ST Federal Credit Union'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