Homeamerican Mortgage in Virginia vs the state
8.0%Denial rate-7.98 pts vs state
8.8%Decision denial rate-11.44 pts vs state
72.7%Origination rate+13.14 pts vs state
5.00%Median rate-1.63 pts vs state
-1.21Rate spread (pts)-1.43 pts vs state
$149kMedian applicant income
210Loans originated
23Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 220 | 139 | 11.8% | 5.88% | #179 |
| 2024 | 379 | 276 | 8.4% | 5.50% | #130 |
| 2025 | 289 | 210 | 8.0% | 5.00% | #167 |
What Homeamerican Mortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Homeamerican Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 77 | 49 | 9 | 11.7% |
| Frederick County | 61 | 41 | 6 | 9.8% |
| Fauquier County | 47 | 42 | 3 | 6.4% |
| Caroline County | 35 | 25 | 1 | 2.9% |
| Stafford County | 27 | 19 | 2 | 7.4% |
| Spotsylvania County | 16 | 11 | 2 | 12.5% |
| Culpeper County | 12 | 12 | 0 | 0.0% |
| Chesterfield County | 7 | 5 | 0 | 0.0% |
| King William County | 6 | 5 | 0 | 0.0% |
| Loudoun 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: 289 applications in 2025, of which 210 were originated and 23 denied.
8.0% of all applications, or 8.8% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Homeamerican Mortgage originated in Virginia in 2025 was 5.00%, against a statewide median of 6.63%.
About this data. Figures are Homeamerican 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