Instamortgage in Virginia vs the state
4.6%Denial rate-11.39 pts vs state
4.9%Decision denial rate-15.31 pts vs state
84.1%Origination rate+24.57 pts vs state
6.13%Median rate-0.50 pts vs state
-0.03Rate spread (pts)-0.25 pts vs state
$134kMedian applicant income
74Loans originated
4Denied
What Instamortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Instamortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 44 | 36 | 2 | 4.5% |
| Prince William County | 12 | 9 | 1 | 8.3% |
| Chesterfield County | 5 | 5 | 0 | 0.0% |
| Loudoun County | 5 | 5 | 0 | 0.0% |
| Alexandria city | 3 | 2 | 1 | 33.3% |
| Franklin County | 2 | 2 | 0 | 0.0% |
| Fairfax city | 2 | 2 | 0 | 0.0% |
| Manassas Park city | 2 | 2 | 0 | 0.0% |
| Henrico County | 2 | 2 | 0 | 0.0% |
| Arlington 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: 88 applications in 2025, of which 74 were originated and 4 denied.
4.6% of all applications, or 4.9% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Instamortgage originated in Virginia in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Instamortgage'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