Georgia'S Own in Virginia vs the state
17.5%Denial rate+1.56 pts vs state
22.6%Decision denial rate+2.33 pts vs state
52.5%Origination rate-7.02 pts vs state
8.25%Median rate+1.63 pts vs state
1.14Rate spread (pts)+0.92 pts vs state
$239kMedian applicant income
21Loans originated
7Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 19 | 14 | 26.3% | 10.12% | #481 |
| 2024 | 33 | 17 | 30.3% | 10.50% | #417 |
| 2025 | 40 | 21 | 17.5% | 8.25% | #403 |
What Georgia'S Own lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Georgia'S Own applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Loudoun County | 14 | 7 | 1 | 7.1% |
| Fairfax County | 6 | 4 | 1 | 16.7% |
| Manassas city | 2 | 2 | 0 | 0.0% |
| Richmond city | 2 | 2 | 0 | 0.0% |
| Alexandria city | 2 | 2 | 0 | 0.0% |
| Fauquier County | 2 | 1 | 0 | 0.0% |
| Accomack County | 2 | 0 | 0 | 0.0% |
| Fluvanna County | 2 | 1 | 0 | 0.0% |
| Spotsylvania County | 1 | 0 | 1 | 100.0% |
| Roanoke County | 1 | 0 | 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: 40 applications in 2025, of which 21 were originated and 7 denied.
17.5% of all applications, or 22.6% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Georgia'S Own originated in Virginia in 2025 was 8.25%, against a statewide median of 6.63%.
About this data. Figures are Georgia'S Own'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