Click n' Close in Virginia vs the state
2.1%Denial rate-13.87 pts vs state
3.3%Decision denial rate-16.94 pts vs state
58.6%Origination rate-0.97 pts vs state
7.13%Median rate+0.50 pts vs state
3.54Rate spread (pts)+3.32 pts vs state
$89kMedian applicant income
113Loans originated
4Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 194 | 147 | 5.2% | 7.40% | #191 |
| 2024 | 277 | 160 | 3.6% | 7.25% | #168 |
| 2025 | 193 | 113 | 2.1% | 7.13% | #209 |
What Click n' Close lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Click n' Close applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Norfolk city | 17 | 12 | 0 | 0.0% |
| Henrico County | 14 | 7 | 0 | 0.0% |
| Chesapeake city | 13 | 9 | 0 | 0.0% |
| Virginia Beach city | 11 | 8 | 1 | 9.1% |
| Portsmouth city | 11 | 4 | 0 | 0.0% |
| Frederick County | 8 | 6 | 0 | 0.0% |
| Chesterfield County | 8 | 6 | 0 | 0.0% |
| Hampton city | 7 | 2 | 0 | 0.0% |
| Danville city | 7 | 3 | 0 | 0.0% |
| Suffolk city | 7 | 1 | 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: 193 applications in 2025, of which 113 were originated and 4 denied.
2.1% of all applications, or 3.3% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Click n' Close originated in Virginia in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are Click n' Close'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