GoodLeap in Virginia vs the state
24.2%Denial rate+8.21 pts vs state
29.0%Decision denial rate+8.77 pts vs state
46.3%Origination rate-13.19 pts vs state
6.13%Median rate-0.50 pts vs state
-0.08Rate spread (pts)-0.30 pts vs state
$85kMedian applicant income
353Loans originated
184Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 337 | 143 | 24.9% | 5.88% | #137 |
| 2024 | 577 | 280 | 20.8% | 5.88% | #97 |
| 2025 | 762 | 353 | 24.2% | 6.13% | #92 |
What GoodLeap lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most GoodLeap applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Virginia Beach city | 63 | 30 | 14 | 22.2% |
| Henrico County | 44 | 23 | 9 | 20.5% |
| Chesapeake city | 38 | 20 | 7 | 18.4% |
| Norfolk city | 34 | 16 | 13 | 38.2% |
| Hampton city | 29 | 13 | 7 | 24.1% |
| Roanoke city | 28 | 12 | 7 | 25.0% |
| Chesterfield County | 28 | 14 | 9 | 32.1% |
| Prince William County | 26 | 9 | 6 | 23.1% |
| Newport News city | 26 | 13 | 9 | 34.6% |
| Fairfax County | 23 | 9 | 4 | 17.4% |
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: 762 applications in 2025, of which 353 were originated and 184 denied.
24.2% of all applications, or 29.0% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans GoodLeap originated in Virginia in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are GoodLeap'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