Homexpress Mortgage in Virginia vs the state
40.5%Denial rate+24.56 pts vs state
40.5%Decision denial rate+20.25 pts vs state
59.1%Origination rate-0.43 pts vs state
7.50%Median rate+0.88 pts vs state
1.22Rate spread (pts)+1.00 pts vs state
$199kMedian applicant income
143Loans originated
98Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 106 | 70 | 32.1% | 8.50% | #256 |
| 2024 | 144 | 77 | 43.1% | 8.00% | #233 |
| 2025 | 242 | 143 | 40.5% | 7.50% | #187 |
What Homexpress Mortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Homexpress Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 17 | 12 | 5 | 29.4% |
| Richmond city | 15 | 10 | 5 | 33.3% |
| Virginia Beach city | 15 | 9 | 6 | 40.0% |
| Fauquier County | 14 | 2 | 12 | 85.7% |
| Roanoke city | 11 | 4 | 7 | 63.6% |
| Loudoun County | 9 | 7 | 2 | 22.2% |
| Henrico County | 9 | 6 | 3 | 33.3% |
| Danville city | 8 | 7 | 1 | 12.5% |
| Norfolk city | 8 | 3 | 4 | 50.0% |
| Petersburg city | 8 | 4 | 4 | 50.0% |
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: 242 applications in 2025, of which 143 were originated and 98 denied.
40.5% of all applications, or 40.5% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Homexpress Mortgage originated in Virginia in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Homexpress 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