Kind Lending in Virginia vs the state
27.0%Denial rate+11.07 pts vs state
29.8%Decision denial rate+9.55 pts vs state
62.8%Origination rate+3.27 pts vs state
6.63%Median rate0.00 pts vs state
0.14Rate spread (pts)-0.08 pts vs state
$138kMedian applicant income
523Loans originated
225Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 297 | 186 | 25.3% | 6.63% | #146 |
| 2024 | 694 | 439 | 23.5% | 6.63% | #86 |
| 2025 | 833 | 523 | 27.0% | 6.63% | #87 |
What Kind Lending lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 97 | 59 | 29 | 29.9% |
| Prince William County | 75 | 42 | 24 | 32.0% |
| Loudoun County | 56 | 33 | 18 | 32.1% |
| Chesterfield County | 41 | 24 | 15 | 36.6% |
| Virginia Beach city | 41 | 26 | 10 | 24.4% |
| Stafford County | 40 | 29 | 10 | 25.0% |
| Henrico County | 34 | 22 | 11 | 32.4% |
| Spotsylvania County | 31 | 18 | 12 | 38.7% |
| Rockingham County | 24 | 17 | 7 | 29.2% |
| Chesapeake city | 23 | 13 | 7 | 30.4% |
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: 833 applications in 2025, of which 523 were originated and 225 denied.
27.0% of all applications, or 29.8% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Kind Lending originated in Virginia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Kind Lending'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