Bank of Clarke in Virginia vs the state
15.0%Denial rate-0.98 pts vs state
18.9%Decision denial rate-1.36 pts vs state
63.6%Origination rate+4.12 pts vs state
—Median rate
—Rate spread (pts)
$120kMedian applicant income
217Loans originated
51Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 341 | 223 | 20.5% | 6.65% | #134 |
| 2024 | 290 | 190 | 19.7% | 6.62% | #162 |
| 2025 | 341 | 217 | 15.0% | — | #147 |
What Bank of Clarke lends in Virginia
By loan purpose
By loan type
Where in Virginia
Counties with the most Bank of Clarke applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Frederick County | 129 | 77 | 22 | 17.1% |
| Fairfax County | 46 | 34 | 5 | 10.9% |
| Loudoun County | 37 | 21 | 7 | 18.9% |
| Winchester city | 29 | 23 | 3 | 10.3% |
| Prince William County | 28 | 18 | 2 | 7.1% |
| Clarke County | 21 | 13 | 4 | 19.0% |
| Warren County | 11 | 8 | 1 | 9.1% |
| Shenandoah County | 10 | 5 | 1 | 10.0% |
| Arlington County | 4 | 1 | 1 | 25.0% |
| Fauquier County | 3 | 1 | 1 | 33.3% |
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: 341 applications in 2025, of which 217 were originated and 51 denied.
15.0% of all applications, or 18.9% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Bank of Clarke'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