LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans in Virginia vs the state
7.5%Denial rate-8.41 pts vs state
11.8%Decision denial rate-8.45 pts vs state
48.7%Origination rate-10.78 pts vs state
6.00%Median rate-0.63 pts vs state
-0.29Rate spread (pts)-0.51 pts vs state
$178kMedian applicant income
233Loans originated
36Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 44 | 12 | 4.6% | 6.81% | #378 |
| 2024 | 151 | 76 | 5.3% | 6.00% | #229 |
| 2025 | 478 | 233 | 7.5% | 6.00% | #119 |
What LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 73 | 37 | 5 | 6.8% |
| Loudoun County | 68 | 34 | 3 | 4.4% |
| Prince William County | 39 | 15 | 4 | 10.3% |
| Henrico County | 27 | 11 | 3 | 11.1% |
| Chesterfield County | 27 | 15 | 2 | 7.4% |
| Virginia Beach city | 26 | 15 | 1 | 3.8% |
| Arlington County | 20 | 8 | 1 | 5.0% |
| Richmond city | 17 | 9 | 0 | 0.0% |
| Hanover County | 16 | 9 | 2 | 12.5% |
| Alexandria city | 13 | 8 | 1 | 7.7% |
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: 478 applications in 2025, of which 233 were originated and 36 denied.
7.5% of all applications, or 11.8% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans originated in Virginia in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans'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