Intercoastal Mortgage in Virginia vs the state
2.1%Denial rate-13.82 pts vs state
2.3%Decision denial rate-17.92 pts vs state
82.3%Origination rate+22.79 pts vs state
6.38%Median rate-0.25 pts vs state
-0.03Rate spread (pts)-0.25 pts vs state
$194kMedian applicant income
1,359Loans originated
35Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,633 | 1,327 | 1.1% | 6.38% | #42 |
| 2024 | 1,737 | 1,487 | 0.9% | 6.50% | #46 |
| 2025 | 1,651 | 1,359 | 2.1% | 6.38% | #51 |
What Intercoastal Mortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Intercoastal Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Loudoun County | 484 | 412 | 10 | 2.1% |
| Fairfax County | 464 | 368 | 13 | 2.8% |
| Prince William County | 134 | 109 | 3 | 2.2% |
| Arlington County | 87 | 67 | 1 | 1.1% |
| Frederick County | 86 | 80 | 0 | 0.0% |
| Fauquier County | 76 | 69 | 1 | 1.3% |
| Alexandria city | 52 | 45 | 1 | 1.9% |
| Stafford County | 29 | 26 | 0 | 0.0% |
| Warren County | 15 | 9 | 0 | 0.0% |
| Manassas city | 14 | 9 | 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: 1,651 applications in 2025, of which 1,359 were originated and 35 denied.
2.1% of all applications, or 2.3% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Intercoastal Mortgage originated in Virginia in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Intercoastal 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