Home Mortgage Alliance Corporation (HMAC) in Virginia vs the state
11.1%Denial rate-4.83 pts vs state
15.2%Decision denial rate-5.05 pts vs state
59.1%Origination rate-0.46 pts vs state
6.88%Median rate+0.25 pts vs state
0.97Rate spread (pts)+0.75 pts vs state
$100kMedian applicant income
101Loans originated
19Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 63 | 34 | 7.9% | 8.06% | #323 |
| 2024 | 116 | 76 | 4.3% | 7.19% | #263 |
| 2025 | 171 | 101 | 11.1% | 6.88% | #220 |
What Home Mortgage Alliance Corporation (HMAC) lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Home Mortgage Alliance Corporation (HMAC) applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chesterfield County | 31 | 22 | 2 | 6.5% |
| Prince William County | 23 | 12 | 2 | 8.7% |
| Fairfax County | 9 | 3 | 1 | 11.1% |
| Henrico County | 9 | 5 | 0 | 0.0% |
| Spotsylvania County | 8 | 5 | 0 | 0.0% |
| Richmond city | 8 | 6 | 1 | 12.5% |
| Hampton city | 7 | 4 | 0 | 0.0% |
| Stafford County | 7 | 4 | 2 | 28.6% |
| Caroline County | 6 | 5 | 1 | 16.7% |
| Chesapeake city | 5 | 1 | 1 | 20.0% |
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: 171 applications in 2025, of which 101 were originated and 19 denied.
11.1% of all applications, or 15.2% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Home Mortgage Alliance Corporation (HMAC) originated in Virginia in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Home Mortgage Alliance Corporation (HMAC)'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