A&D Mortgage in Virginia vs the state
7.1%Denial rate-8.80 pts vs state
10.0%Decision denial rate-10.21 pts vs state
63.0%Origination rate+3.44 pts vs state
6.50%Median rate-0.13 pts vs state
0.18Rate spread (pts)-0.04 pts vs state
$136kMedian applicant income
238Loans originated
27Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 80 | 43 | 8.8% | 8.38% | #294 |
| 2024 | 198 | 100 | 9.6% | 7.25% | #202 |
| 2025 | 378 | 238 | 7.1% | 6.50% | #135 |
What A&D Mortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most A&D Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 87 | 61 | 4 | 4.6% |
| Loudoun County | 45 | 33 | 1 | 2.2% |
| Prince William County | 42 | 26 | 2 | 4.8% |
| Henrico County | 21 | 15 | 1 | 4.8% |
| Chesterfield County | 19 | 12 | 3 | 15.8% |
| Virginia Beach city | 11 | 5 | 1 | 9.1% |
| Rockingham County | 10 | 7 | 1 | 10.0% |
| Richmond city | 10 | 4 | 2 | 20.0% |
| Stafford County | 7 | 6 | 1 | 14.3% |
| Lynchburg city | 7 | 4 | 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: 378 applications in 2025, of which 238 were originated and 27 denied.
7.1% of all applications, or 10.0% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans A&D Mortgage originated in Virginia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are A&D 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