Envoy Mortgage in Virginia vs the state
12.3%Denial rate-3.62 pts vs state
17.5%Decision denial rate-2.80 pts vs state
57.8%Origination rate-1.70 pts vs state
6.63%Median rate0.00 pts vs state
0.32Rate spread (pts)+0.10 pts vs state
$139kMedian applicant income
122Loans originated
26Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 52 | 33 | 7.7% | 6.50% | #359 |
| 2024 | 100 | 66 | 7.0% | 6.63% | #279 |
| 2025 | 211 | 122 | 12.3% | 6.63% | #201 |
What Envoy Mortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Envoy Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 28 | 17 | 2 | 7.1% |
| Prince William County | 24 | 14 | 3 | 12.5% |
| Loudoun County | 14 | 9 | 1 | 7.1% |
| Frederick County | 13 | 4 | 3 | 23.1% |
| Culpeper County | 12 | 6 | 4 | 33.3% |
| Page County | 11 | 5 | 3 | 27.3% |
| Shenandoah County | 11 | 6 | 0 | 0.0% |
| Arlington County | 10 | 5 | 2 | 20.0% |
| Accomack County | 8 | 6 | 0 | 0.0% |
| Spotsylvania County | 7 | 5 | 1 | 14.3% |
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: 211 applications in 2025, of which 122 were originated and 26 denied.
12.3% of all applications, or 17.5% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Envoy Mortgage originated in Virginia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Envoy Mortgage'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