Peoples Advantage Federal Credit Union in Virginia vs the state
27.1%Denial rate+11.11 pts vs state
33.0%Decision denial rate+12.75 pts vs state
54.9%Origination rate-4.60 pts vs state
—Median rate
—Rate spread (pts)
$70kMedian applicant income
67Loans originated
33Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 81 | 44 | 21.0% | — | #290 |
| 2024 | 104 | 58 | 27.9% | — | #271 |
| 2025 | 122 | 67 | 27.1% | — | #268 |
What Peoples Advantage Federal Credit Union lends in Virginia
By loan purpose
By loan type
Where in Virginia
Counties with the most Peoples Advantage Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Petersburg city | 25 | 11 | 7 | 28.0% |
| Dinwiddie County | 22 | 12 | 7 | 31.8% |
| Chesterfield County | 19 | 12 | 3 | 15.8% |
| Hopewell city | 10 | 6 | 3 | 30.0% |
| Prince George County | 9 | 5 | 1 | 11.1% |
| Henrico County | 8 | 5 | 2 | 25.0% |
| Colonial Heights city | 7 | 4 | 3 | 42.9% |
| Sussex County | 6 | 4 | 2 | 33.3% |
| Richmond city | 5 | 2 | 2 | 40.0% |
| Surry County | 2 | 2 | 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: 122 applications in 2025, of which 67 were originated and 33 denied.
27.1% of all applications, or 33.0% 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 Peoples Advantage 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