Home Loan Investment Bank in Virginia vs the state
19.1%Denial rate+3.11 pts vs state
33.3%Decision denial rate+13.08 pts vs state
38.1%Origination rate-21.42 pts vs state
7.47%Median rate+0.84 pts vs state
2.15Rate spread (pts)+1.93 pts vs state
$175kMedian applicant income
8Loans originated
4Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 28 | 6 | 25.0% | 8.73% | #439 |
| 2024 | 31 | 10 | 35.5% | 8.10% | #429 |
| 2025 | 21 | 8 | 19.1% | 7.47% | #482 |
What Home Loan Investment Bank lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Home Loan Investment Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince William County | 6 | 1 | 2 | 33.3% |
| Pittsylvania County | 3 | 1 | 0 | 0.0% |
| Manassas city | 2 | 2 | 0 | 0.0% |
| Alexandria city | 1 | 0 | 0 | 0.0% |
| Orange County | 1 | 1 | 0 | 0.0% |
| Accomack County | 1 | 0 | 0 | 0.0% |
| Amherst County | 1 | 0 | 1 | 100.0% |
| Southampton County | 1 | 0 | 0 | 0.0% |
| Bedford County | 1 | 1 | 0 | 0.0% |
| King and Queen County | 1 | 1 | 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: 21 applications in 2025, of which 8 were originated and 4 denied.
19.1% of all applications, or 33.3% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Home Loan Investment Bank originated in Virginia in 2025 was 7.47%, against a statewide median of 6.63%.
About this data. Figures are Home Loan Investment Bank'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