Consumer Real Estate Finance in Virginia vs the state
31.1%Denial rate+15.17 pts vs state
38.9%Decision denial rate+18.64 pts vs state
48.9%Origination rate-10.63 pts vs state
6.99%Median rate+0.37 pts vs state
1.06Rate spread (pts)+0.84 pts vs state
$62kMedian applicant income
22Loans originated
14Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 60 | 31 | 18.3% | 6.88% | #334 |
| 2024 | 46 | 22 | 13.0% | 7.19% | #379 |
| 2025 | 45 | 22 | 31.1% | 6.99% | #387 |
What Consumer Real Estate Finance lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Consumer Real Estate Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Augusta County | 3 | 1 | 1 | 33.3% |
| Bristol city | 2 | 2 | 0 | 0.0% |
| Prince George County | 2 | 2 | 0 | 0.0% |
| Dinwiddie County | 2 | 2 | 0 | 0.0% |
| Hopewell city | 2 | 0 | 2 | 100.0% |
| Nottoway County | 2 | 1 | 1 | 50.0% |
| Greensville County | 2 | 2 | 0 | 0.0% |
| Wise County | 2 | 0 | 0 | 0.0% |
| Pittsylvania County | 2 | 1 | 1 | 50.0% |
| Carroll County | 2 | 1 | 1 | 50.0% |
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: 45 applications in 2025, of which 22 were originated and 14 denied.
31.1% of all applications, or 38.9% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Consumer Real Estate Finance originated in Virginia in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Consumer Real Estate Finance'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