Geneva Financial in Virginia vs the state
2.8%Denial rate-13.12 pts vs state
4.2%Decision denial rate-16.08 pts vs state
63.4%Origination rate+3.86 pts vs state
6.88%Median rate+0.25 pts vs state
0.33Rate spread (pts)+0.11 pts vs state
$110kMedian applicant income
45Loans originated
2Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 219 | 147 | 0.9% | 6.88% | #180 |
| 2024 | 133 | 87 | 4.5% | 7.13% | #243 |
| 2025 | 71 | 45 | 2.8% | 6.88% | #327 |
What Geneva Financial lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Geneva Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 10 | 5 | 1 | 10.0% |
| Hampton city | 6 | 3 | 0 | 0.0% |
| Newport News city | 5 | 4 | 0 | 0.0% |
| Loudoun County | 5 | 2 | 0 | 0.0% |
| Suffolk city | 4 | 3 | 0 | 0.0% |
| Warren County | 4 | 3 | 0 | 0.0% |
| Virginia Beach city | 4 | 2 | 0 | 0.0% |
| Shenandoah County | 2 | 2 | 0 | 0.0% |
| Prince William County | 2 | 0 | 1 | 50.0% |
| Frederick County | 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: 71 applications in 2025, of which 45 were originated and 2 denied.
2.8% of all applications, or 4.2% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Geneva Financial originated in Virginia in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Geneva 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