East Coast Capital in Virginia vs the state
4.6%Denial rate-11.39 pts vs state
8.3%Decision denial rate-11.92 pts vs state
50.0%Origination rate-9.52 pts vs state
8.94%Median rate+2.31 pts vs state
2.78Rate spread (pts)+2.56 pts vs state
$150kMedian applicant income
22Loans originated
2Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 13 | 8 | 7.7% | 7.44% | #534 |
| 2025 | 44 | 22 | 4.6% | 8.94% | #392 |
What East Coast Capital lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most East Coast Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince William County | 8 | 3 | 1 | 12.5% |
| Fairfax County | 6 | 5 | 0 | 0.0% |
| Henrico County | 3 | 0 | 0 | 0.0% |
| Halifax County | 3 | 1 | 0 | 0.0% |
| Chesterfield County | 3 | 1 | 0 | 0.0% |
| Winchester city | 2 | 0 | 1 | 50.0% |
| Stafford County | 2 | 0 | 0 | 0.0% |
| Loudoun County | 2 | 1 | 0 | 0.0% |
| Hampton city | 1 | 0 | 0 | 0.0% |
| Williamsburg city | 1 | 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: 44 applications in 2025, of which 22 were originated and 2 denied.
4.6% of all applications, or 8.3% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans East Coast Capital originated in Virginia in 2025 was 8.94%, against a statewide median of 6.63%.
About this data. Figures are East Coast Capital'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