Liberty in Virginia vs the state
7.5%Denial rate-8.46 pts vs state
9.7%Decision denial rate-10.52 pts vs state
68.7%Origination rate+9.19 pts vs state
7.00%Median rate+0.38 pts vs state
0.32Rate spread (pts)+0.10 pts vs state
$140kMedian applicant income
101Loans originated
11Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 77 | 50 | 15.6% | 7.75% | #297 |
| 2024 | 125 | 91 | 12.8% | 7.25% | #250 |
| 2025 | 147 | 101 | 7.5% | 7.00% | #246 |
What Liberty lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Liberty applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chesterfield County | 25 | 19 | 2 | 8.0% |
| Virginia Beach city | 7 | 3 | 2 | 28.6% |
| Fairfax County | 6 | 4 | 0 | 0.0% |
| Richmond city | 5 | 1 | 1 | 20.0% |
| Prince George County | 5 | 3 | 2 | 40.0% |
| Prince William County | 5 | 2 | 0 | 0.0% |
| Hanover County | 5 | 3 | 0 | 0.0% |
| Louisa County | 4 | 4 | 0 | 0.0% |
| Powhatan County | 4 | 4 | 0 | 0.0% |
| Henrico County | 4 | 4 | 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: 147 applications in 2025, of which 101 were originated and 11 denied.
7.5% of all applications, or 9.7% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Liberty originated in Virginia in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Liberty'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