Emm Loans in Virginia vs the state
2.1%Denial rate-13.83 pts vs state
2.3%Decision denial rate-17.94 pts vs state
85.5%Origination rate+25.93 pts vs state
6.38%Median rate-0.25 pts vs state
0.17Rate spread (pts)-0.05 pts vs state
$102kMedian applicant income
364Loans originated
9Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 307 | 263 | 2.0% | 6.50% | #143 |
| 2024 | 232 | 185 | 5.6% | 6.50% | #188 |
| 2025 | 426 | 364 | 2.1% | 6.38% | #123 |
What Emm Loans lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Emm Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Virginia Beach city | 62 | 52 | 1 | 1.6% |
| Chesapeake city | 39 | 36 | 0 | 0.0% |
| Lynchburg city | 34 | 32 | 0 | 0.0% |
| Bedford County | 29 | 27 | 0 | 0.0% |
| Norfolk city | 27 | 23 | 0 | 0.0% |
| Carroll County | 25 | 24 | 0 | 0.0% |
| Hampton city | 18 | 11 | 1 | 5.6% |
| Campbell County | 17 | 14 | 0 | 0.0% |
| Henrico County | 14 | 14 | 0 | 0.0% |
| Portsmouth city | 13 | 12 | 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: 426 applications in 2025, of which 364 were originated and 9 denied.
2.1% of all applications, or 2.3% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Emm Loans originated in Virginia in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Emm Loans'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