Guild Mortgage in Virginia vs the state
4.2%Denial rate-11.74 pts vs state
5.3%Decision denial rate-14.92 pts vs state
69.7%Origination rate+10.17 pts vs state
6.50%Median rate-0.13 pts vs state
0.11Rate spread (pts)-0.11 pts vs state
$120kMedian applicant income
1,028Loans originated
62Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 497 | 323 | 6.4% | 6.75% | #102 |
| 2024 | 1,204 | 859 | 3.8% | 6.63% | #57 |
| 2025 | 1,475 | 1,028 | 4.2% | 6.50% | #57 |
What Guild Mortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Guild Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 184 | 126 | 3 | 1.6% |
| Chesterfield County | 83 | 55 | 4 | 4.8% |
| Loudoun County | 71 | 41 | 3 | 4.2% |
| Virginia Beach city | 60 | 47 | 0 | 0.0% |
| Prince William County | 60 | 40 | 2 | 3.3% |
| Frederick County | 52 | 36 | 2 | 3.8% |
| Alexandria city | 45 | 34 | 1 | 2.2% |
| Henrico County | 42 | 32 | 2 | 4.8% |
| Richmond city | 38 | 27 | 1 | 2.6% |
| Albemarle County | 38 | 26 | 1 | 2.6% |
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: 1,475 applications in 2025, of which 1,028 were originated and 62 denied.
4.2% of all applications, or 5.3% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Guild Mortgage originated in Virginia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Guild Mortgage'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