Everett Financial in Virginia vs the state
7.7%Denial rate-8.22 pts vs state
11.6%Decision denial rate-8.68 pts vs state
58.0%Origination rate-1.50 pts vs state
6.75%Median rate+0.13 pts vs state
0.62Rate spread (pts)+0.40 pts vs state
$100kMedian applicant income
188Loans originated
25Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 234 | 38 | 17.1% | 7.13% | #170 |
| 2024 | 362 | 266 | 4.7% | 6.81% | #136 |
| 2025 | 324 | 188 | 7.7% | 6.75% | #152 |
What Everett Financial lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Everett Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Warren County | 38 | 29 | 2 | 5.3% |
| Frederick County | 27 | 20 | 1 | 3.7% |
| Fairfax County | 20 | 8 | 1 | 5.0% |
| Prince William County | 17 | 7 | 2 | 11.8% |
| Shenandoah County | 16 | 11 | 2 | 12.5% |
| Stafford County | 11 | 6 | 0 | 0.0% |
| Norfolk city | 9 | 4 | 1 | 11.1% |
| Loudoun County | 9 | 4 | 1 | 11.1% |
| Spotsylvania County | 9 | 3 | 1 | 11.1% |
| Hampton city | 8 | 6 | 1 | 12.5% |
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: 324 applications in 2025, of which 188 were originated and 25 denied.
7.7% of all applications, or 11.6% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Everett Financial originated in Virginia in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Everett Financial'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