Genesis Capital in Virginia vs the state
6.1%Denial rate-9.82 pts vs state
6.1%Decision denial rate-14.13 pts vs state
93.9%Origination rate+34.36 pts vs state
8.50%Median rate+1.88 pts vs state
—Rate spread (pts)
—Median applicant income
46Loans originated
3Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 25 | 25 | 0.0% | 9.99% | #449 |
| 2024 | 21 | 20 | 4.8% | 9.99% | #473 |
| 2025 | 49 | 46 | 6.1% | 8.50% | #378 |
What Genesis Capital lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Genesis Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 8 | 5 | 3 | 37.5% |
| Virginia Beach city | 5 | 5 | 0 | 0.0% |
| Prince William County | 5 | 5 | 0 | 0.0% |
| Henrico County | 3 | 3 | 0 | 0.0% |
| Loudoun County | 3 | 3 | 0 | 0.0% |
| Alexandria city | 2 | 2 | 0 | 0.0% |
| Petersburg city | 2 | 2 | 0 | 0.0% |
| Newport News city | 2 | 2 | 0 | 0.0% |
| Spotsylvania County | 2 | 2 | 0 | 0.0% |
| Chesapeake city | 2 | 2 | 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: 49 applications in 2025, of which 46 were originated and 3 denied.
6.1% of all applications, or 6.1% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Genesis Capital originated in Virginia in 2025 was 8.50%, against a statewide median of 6.63%.
About this data. Figures are Genesis Capital'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