Fbc Mortgage in Virginia vs the state
13.3%Denial rate-2.61 pts vs state
18.2%Decision denial rate-2.07 pts vs state
60.0%Origination rate+0.48 pts vs state
6.13%Median rate-0.50 pts vs state
0.30Rate spread (pts)+0.08 pts vs state
$213kMedian applicant income
9Loans originated
2Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 1 | 37.5% | 5.99% | #584 |
| 2024 | 42 | 27 | 4.8% | 6.38% | #390 |
| 2025 | 15 | 9 | 13.3% | 6.13% | #529 |
What Fbc Mortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Fbc Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 4 | 2 | 0 | 0.0% |
| Warren County | 2 | 2 | 0 | 0.0% |
| Loudoun County | 2 | 1 | 0 | 0.0% |
| Henrico County | 1 | 1 | 0 | 0.0% |
| Spotsylvania County | 1 | 0 | 1 | 100.0% |
| Hanover County | 1 | 1 | 0 | 0.0% |
| Frederick County | 1 | 0 | 0 | 0.0% |
| Richmond city | 1 | 1 | 0 | 0.0% |
| Mecklenburg County | 1 | 1 | 0 | 0.0% |
| Prince William County | 1 | 0 | 1 | 100.0% |
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: 15 applications in 2025, of which 9 were originated and 2 denied.
13.3% of all applications, or 18.2% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Fbc Mortgage originated in Virginia in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Fbc 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