American Portfolio Mortgage in Virginia vs the state
7.6%Denial rate-8.39 pts vs state
9.2%Decision denial rate-11.09 pts vs state
74.8%Origination rate+15.32 pts vs state
6.63%Median rate0.00 pts vs state
0.00Rate spread (pts)-0.22 pts vs state
$174kMedian applicant income
119Loans originated
12Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 65 | 54 | 4.6% | 6.63% | #329 |
| 2025 | 159 | 119 | 7.6% | 6.63% | #231 |
What American Portfolio Mortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most American Portfolio Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince William County | 29 | 23 | 2 | 6.9% |
| Fairfax County | 28 | 22 | 1 | 3.6% |
| Frederick County | 22 | 16 | 2 | 9.1% |
| Loudoun County | 17 | 11 | 3 | 17.6% |
| Stafford County | 15 | 13 | 1 | 6.7% |
| Arlington County | 8 | 6 | 0 | 0.0% |
| Spotsylvania County | 7 | 4 | 1 | 14.3% |
| Alexandria city | 7 | 6 | 0 | 0.0% |
| Fauquier County | 4 | 3 | 1 | 25.0% |
| Manassas city | 4 | 3 | 1 | 25.0% |
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: 159 applications in 2025, of which 119 were originated and 12 denied.
7.6% of all applications, or 9.2% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans American Portfolio Mortgage originated in Virginia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are American Portfolio 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