Affinity in Virginia vs the state
25.8%Denial rate+9.87 pts vs state
29.6%Decision denial rate+9.38 pts vs state
51.6%Origination rate-7.91 pts vs state
4.90%Median rate-1.72 pts vs state
-2.10Rate spread (pts)-2.32 pts vs state
$178kMedian applicant income
16Loans originated
8Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 23 | 8 | 52.2% | 8.13% | #458 |
| 2024 | 20 | 10 | 40.0% | 8.75% | #480 |
| 2025 | 31 | 16 | 25.8% | 4.90% | #437 |
What Affinity lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Virginia Beach city | 5 | 3 | 1 | 20.0% |
| Loudoun County | 5 | 3 | 1 | 20.0% |
| Fairfax County | 4 | 1 | 2 | 50.0% |
| Alexandria city | 2 | 0 | 0 | 0.0% |
| Prince William County | 2 | 1 | 1 | 50.0% |
| Louisa County | 2 | 2 | 0 | 0.0% |
| Mecklenburg County | 1 | 0 | 1 | 100.0% |
| Northampton County | 1 | 0 | 1 | 100.0% |
| Arlington County | 1 | 1 | 0 | 0.0% |
| Manassas Park 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: 31 applications in 2025, of which 16 were originated and 8 denied.
25.8% of all applications, or 29.6% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Affinity originated in Virginia in 2025 was 4.90%, against a statewide median of 6.63%.
About this data. Figures are Affinity'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