Investor Mortgage Finance in Virginia vs the state
14.7%Denial rate-1.23 pts vs state
18.3%Decision denial rate-2.00 pts vs state
65.9%Origination rate+6.36 pts vs state
7.29%Median rate+0.66 pts vs state
—Rate spread (pts)
—Median applicant income
112Loans originated
25Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 193 | 131 | 14.0% | 7.55% | #207 |
| 2025 | 170 | 112 | 14.7% | 7.29% | #223 |
What Investor Mortgage Finance lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
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: 170 applications in 2025, of which 112 were originated and 25 denied.
14.7% of all applications, or 18.3% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Investor Mortgage Finance originated in Virginia in 2025 was 7.29%, against a statewide median of 6.63%.
About this data. Figures are Investor Mortgage Finance'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