Equity Prime Mortgage in Virginia vs the state
12.9%Denial rate-3.06 pts vs state
26.0%Decision denial rate+5.75 pts vs state
36.5%Origination rate-22.98 pts vs state
6.63%Median rate0.00 pts vs state
0.21Rate spread (pts)-0.01 pts vs state
$92kMedian applicant income
315Loans originated
111Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 167 | 93 | 4.8% | 6.75% | #207 |
| 2024 | 300 | 184 | 7.0% | 6.75% | #157 |
| 2025 | 862 | 315 | 12.9% | 6.63% | #86 |
What Equity Prime Mortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Equity Prime Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Virginia Beach city | 65 | 21 | 10 | 15.4% |
| Chesapeake city | 51 | 25 | 6 | 11.8% |
| Chesterfield County | 47 | 20 | 3 | 6.4% |
| Prince William County | 43 | 10 | 8 | 18.6% |
| Newport News city | 38 | 14 | 3 | 7.9% |
| Hampton city | 36 | 18 | 5 | 13.9% |
| Henrico County | 32 | 5 | 5 | 15.6% |
| Norfolk city | 29 | 13 | 1 | 3.4% |
| Suffolk city | 27 | 8 | 2 | 7.4% |
| Portsmouth city | 26 | 6 | 4 | 15.4% |
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: 862 applications in 2025, of which 315 were originated and 111 denied.
12.9% of all applications, or 26.0% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Equity Prime Mortgage originated in Virginia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Equity Prime 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