Fidelity Direct Mortgage in Virginia vs the state
7.7%Denial rate-8.28 pts vs state
8.3%Decision denial rate-11.96 pts vs state
82.0%Origination rate+22.46 pts vs state
6.50%Median rate-0.13 pts vs state
0.35Rate spread (pts)+0.13 pts vs state
$117kMedian applicant income
182Loans originated
17Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 200 | 140 | 13.5% | 6.88% | #187 |
| 2024 | 247 | 180 | 7.3% | 6.75% | #181 |
| 2025 | 222 | 182 | 7.7% | 6.50% | #196 |
What Fidelity Direct Mortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Fidelity Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 33 | 25 | 3 | 9.1% |
| Prince William County | 27 | 22 | 3 | 11.1% |
| Stafford County | 12 | 9 | 1 | 8.3% |
| Bedford County | 11 | 10 | 0 | 0.0% |
| Loudoun County | 11 | 10 | 1 | 9.1% |
| Chesapeake city | 9 | 7 | 0 | 0.0% |
| Alexandria city | 9 | 7 | 1 | 11.1% |
| Lynchburg city | 8 | 8 | 0 | 0.0% |
| Suffolk city | 8 | 6 | 2 | 25.0% |
| Newport News 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: 222 applications in 2025, of which 182 were originated and 17 denied.
7.7% of all applications, or 8.3% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Fidelity Direct Mortgage originated in Virginia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Fidelity Direct 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