Capital Center in Virginia vs the state
12.0%Denial rate-3.96 pts vs state
15.6%Decision denial rate-4.62 pts vs state
64.6%Origination rate+5.09 pts vs state
6.38%Median rate-0.25 pts vs state
-0.01Rate spread (pts)-0.23 pts vs state
$136kMedian applicant income
1,645Loans originated
305Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,294 | 770 | 12.6% | 6.81% | #49 |
| 2024 | 1,636 | 1,021 | 12.7% | 6.63% | #50 |
| 2025 | 2,546 | 1,645 | 12.0% | 6.38% | #33 |
What Capital Center lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Capital Center applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Henrico County | 536 | 365 | 58 | 10.8% |
| Chesterfield County | 482 | 318 | 53 | 11.0% |
| Hanover County | 197 | 136 | 17 | 8.6% |
| Richmond city | 195 | 126 | 22 | 11.3% |
| Virginia Beach city | 110 | 76 | 11 | 10.0% |
| Chesapeake city | 67 | 48 | 3 | 4.5% |
| Fairfax County | 57 | 38 | 7 | 12.3% |
| Powhatan County | 52 | 30 | 7 | 13.5% |
| Albemarle County | 46 | 33 | 3 | 6.5% |
| New Kent County | 45 | 27 | 7 | 15.6% |
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: 2,546 applications in 2025, of which 1,645 were originated and 305 denied.
12.0% of all applications, or 15.6% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Capital Center originated in Virginia in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Capital Center'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