Guaranteed Rate Affinity in Virginia vs the state
2.7%Denial rate-13.24 pts vs state
3.5%Decision denial rate-16.73 pts vs state
72.8%Origination rate+13.30 pts vs state
6.38%Median rate-0.25 pts vs state
-0.04Rate spread (pts)-0.26 pts vs state
$184kMedian applicant income
351Loans originated
13Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 376 | 291 | 4.0% | 6.50% | #127 |
| 2024 | 398 | 307 | 1.3% | 6.55% | #129 |
| 2025 | 482 | 351 | 2.7% | 6.38% | #117 |
What Guaranteed Rate Affinity lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Guaranteed Rate Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 163 | 130 | 3 | 1.8% |
| Loudoun County | 76 | 51 | 2 | 2.6% |
| Prince William County | 59 | 43 | 3 | 5.1% |
| Alexandria city | 39 | 28 | 0 | 0.0% |
| Stafford County | 19 | 15 | 0 | 0.0% |
| Arlington County | 13 | 9 | 0 | 0.0% |
| Spotsylvania County | 11 | 5 | 0 | 0.0% |
| Frederick County | 9 | 6 | 0 | 0.0% |
| Fauquier County | 7 | 4 | 1 | 14.3% |
| Orange County | 6 | 3 | 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: 482 applications in 2025, of which 351 were originated and 13 denied.
2.7% of all applications, or 3.5% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Guaranteed Rate Affinity originated in Virginia in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Guaranteed Rate Affinity'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