Benchmark Community Bank in Virginia vs the state
9.4%Denial rate-6.51 pts vs state
10.1%Decision denial rate-10.20 pts vs state
78.1%Origination rate+18.55 pts vs state
7.24%Median rate+0.62 pts vs state
0.77Rate spread (pts)+0.55 pts vs state
$92kMedian applicant income
331Loans originated
40Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 454 | 363 | 10.1% | 6.89% | #110 |
| 2024 | 444 | 348 | 7.9% | 7.24% | #117 |
| 2025 | 424 | 331 | 9.4% | 7.24% | #124 |
What Benchmark Community Bank lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Benchmark Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 107 | 89 | 10 | 9.3% |
| Halifax County | 86 | 70 | 4 | 4.7% |
| Lunenburg County | 47 | 33 | 6 | 12.8% |
| Prince Edward County | 38 | 29 | 2 | 5.3% |
| Nottoway County | 37 | 24 | 6 | 16.2% |
| Brunswick County | 25 | 19 | 1 | 4.0% |
| Charlotte County | 15 | 12 | 2 | 13.3% |
| Amelia County | 12 | 10 | 2 | 16.7% |
| Cumberland County | 12 | 9 | 2 | 16.7% |
| Buckingham County | 12 | 10 | 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: 424 applications in 2025, of which 331 were originated and 40 denied.
9.4% of all applications, or 10.1% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Benchmark Community Bank originated in Virginia in 2025 was 7.24%, against a statewide median of 6.63%.
About this data. Figures are Benchmark Community Bank'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