Center Street Lending VIII SPE in Virginia vs the state
22.2%Denial rate+6.28 pts vs state
22.2%Decision denial rate+1.97 pts vs state
77.8%Origination rate+18.26 pts vs state
10.38%Median rate+3.75 pts vs state
—Rate spread (pts)
—Median applicant income
7Loans originated
2Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 21 | 16 | 0.0% | 10.75% | #476 |
| 2025 | 9 | 7 | 22.2% | 10.38% | #582 |
What Center Street Lending VIII SPE lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
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: 9 applications in 2025, of which 7 were originated and 2 denied.
22.2% of all applications, or 22.2% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Center Street Lending VIII SPE originated in Virginia in 2025 was 10.38%, against a statewide median of 6.63%.
About this data. Figures are Center Street Lending VIII SPE'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