Integrity Home Mortgage in Virginia vs the state
3.1%Denial rate-12.89 pts vs state
3.5%Decision denial rate-16.73 pts vs state
77.6%Origination rate+18.04 pts vs state
6.63%Median rate0.00 pts vs state
0.40Rate spread (pts)+0.18 pts vs state
$101kMedian applicant income
1,016Loans originated
40Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 939 | 716 | 3.3% | 6.75% | #69 |
| 2024 | 1,068 | 831 | 2.9% | 6.63% | #69 |
| 2025 | 1,310 | 1,016 | 3.1% | 6.63% | #60 |
What Integrity Home Mortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Integrity Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Frederick County | 156 | 117 | 5 | 3.2% |
| Rockingham County | 112 | 99 | 5 | 4.5% |
| Chesterfield County | 72 | 62 | 2 | 2.8% |
| Roanoke County | 65 | 58 | 1 | 1.5% |
| Henrico County | 62 | 48 | 2 | 3.2% |
| Shenandoah County | 61 | 52 | 2 | 3.3% |
| Winchester city | 51 | 39 | 1 | 2.0% |
| Roanoke city | 51 | 40 | 1 | 2.0% |
| Augusta County | 41 | 30 | 2 | 4.9% |
| Warren County | 40 | 26 | 1 | 2.5% |
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: 1,310 applications in 2025, of which 1,016 were originated and 40 denied.
3.1% of all applications, or 3.5% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Integrity Home Mortgage originated in Virginia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Integrity Home 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