Atlantic Coast Mortgage in Virginia vs the state
1.8%Denial rate-14.13 pts vs state
2.1%Decision denial rate-18.19 pts vs state
81.3%Origination rate+21.73 pts vs state
6.49%Median rate-0.13 pts vs state
0.12Rate spread (pts)-0.10 pts vs state
$130kMedian applicant income
3,458Loans originated
77Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,627 | 2,900 | 2.5% | 6.50% | #14 |
| 2024 | 3,854 | 3,125 | 2.1% | 6.63% | #16 |
| 2025 | 4,256 | 3,458 | 1.8% | 6.49% | #16 |
What Atlantic Coast Mortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Atlantic Coast Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 643 | 526 | 9 | 1.4% |
| Loudoun County | 514 | 427 | 5 | 1.0% |
| Prince William County | 378 | 302 | 5 | 1.3% |
| Stafford County | 204 | 173 | 1 | 0.5% |
| Spotsylvania County | 173 | 138 | 3 | 1.7% |
| Virginia Beach city | 161 | 132 | 3 | 1.9% |
| Chesapeake city | 128 | 103 | 6 | 4.7% |
| Alexandria city | 121 | 99 | 5 | 4.1% |
| Arlington County | 117 | 96 | 3 | 2.6% |
| Henrico County | 106 | 89 | 2 | 1.9% |
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: 4,256 applications in 2025, of which 3,458 were originated and 77 denied.
1.8% of all applications, or 2.1% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Atlantic Coast Mortgage originated in Virginia in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Atlantic Coast 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