First Savings Bank in Virginia vs the state
39.4%Denial rate+23.45 pts vs state
46.4%Decision denial rate+26.18 pts vs state
45.5%Origination rate-14.07 pts vs state
7.63%Median rate+1.00 pts vs state
0.35Rate spread (pts)+0.12 pts vs state
$164kMedian applicant income
15Loans originated
13Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 73 | 34 | 2.7% | 6.88% | #309 |
| 2024 | 35 | 16 | 42.9% | 7.63% | #415 |
| 2025 | 33 | 15 | 39.4% | 7.63% | #429 |
What First Savings Bank lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most First Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Virginia Beach city | 4 | 2 | 2 | 50.0% |
| Westmoreland County | 3 | 0 | 3 | 100.0% |
| James City County | 3 | 0 | 1 | 33.3% |
| Norfolk city | 3 | 2 | 1 | 33.3% |
| Alexandria city | 2 | 1 | 1 | 50.0% |
| Fairfax County | 2 | 1 | 1 | 50.0% |
| Stafford County | 2 | 1 | 0 | 0.0% |
| Warren County | 1 | 1 | 0 | 0.0% |
| Accomack County | 1 | 0 | 1 | 100.0% |
| Fauquier County | 1 | 1 | 0 | 0.0% |
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: 33 applications in 2025, of which 15 were originated and 13 denied.
39.4% of all applications, or 46.4% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans First Savings Bank originated in Virginia in 2025 was 7.63%, against a statewide median of 6.63%.
About this data. Figures are First Savings Bank'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