21st Mortgage in Virginia vs the state
52.2%Denial rate+36.27 pts vs state
72.8%Decision denial rate+52.53 pts vs state
18.3%Origination rate-41.25 pts vs state
9.55%Median rate+2.93 pts vs state
4.05Rate spread (pts)+3.83 pts vs state
$63kMedian applicant income
161Loans originated
460Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,095 | 187 | 51.9% | 9.35% | #59 |
| 2024 | 1,005 | 157 | 50.8% | 9.66% | #74 |
| 2025 | 881 | 161 | 52.2% | 9.55% | #85 |
What 21st Mortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Stafford County | 71 | 6 | 50 | 70.4% |
| Augusta County | 49 | 9 | 29 | 59.2% |
| Washington County | 42 | 14 | 12 | 28.6% |
| Campbell County | 39 | 7 | 22 | 56.4% |
| Wise County | 38 | 7 | 17 | 44.7% |
| Frederick County | 34 | 6 | 15 | 44.1% |
| Pittsylvania County | 32 | 8 | 15 | 46.9% |
| Fairfax County | 26 | 3 | 16 | 61.5% |
| Henry County | 25 | 3 | 14 | 56.0% |
| Russell County | 24 | 8 | 12 | 50.0% |
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: 881 applications in 2025, of which 161 were originated and 460 denied.
52.2% of all applications, or 72.8% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans 21st Mortgage originated in Virginia in 2025 was 9.55%, against a statewide median of 6.63%.
About this data. Figures are 21st Mortgage'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