American Pacific Mortgage in Virginia vs the state
11.7%Denial rate-4.28 pts vs state
14.2%Decision denial rate-6.07 pts vs state
70.3%Origination rate+10.73 pts vs state
6.75%Median rate+0.13 pts vs state
0.46Rate spread (pts)+0.24 pts vs state
$110kMedian applicant income
229Loans originated
38Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 192 | 140 | 7.8% | 6.56% | #193 |
| 2024 | 113 | 72 | 8.0% | 6.69% | #266 |
| 2025 | 326 | 229 | 11.7% | 6.75% | #150 |
What American Pacific Mortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 48 | 35 | 2 | 4.2% |
| Prince William County | 40 | 29 | 7 | 17.5% |
| Spotsylvania County | 16 | 13 | 3 | 18.8% |
| Staunton city | 13 | 9 | 0 | 0.0% |
| Frederick County | 10 | 3 | 5 | 50.0% |
| Virginia Beach city | 10 | 9 | 0 | 0.0% |
| Loudoun County | 10 | 9 | 0 | 0.0% |
| Stafford County | 9 | 6 | 1 | 11.1% |
| Washington County | 9 | 4 | 2 | 22.2% |
| Augusta County | 8 | 5 | 1 | 12.5% |
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: 326 applications in 2025, of which 229 were originated and 38 denied.
11.7% of all applications, or 14.2% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans American Pacific Mortgage originated in Virginia in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are American Pacific 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