Library of Congress in Virginia vs the state
0.0%Denial rate-15.94 pts vs state
0.0%Decision denial rate-20.25 pts vs state
86.4%Origination rate+26.84 pts vs state
3.50%Median rate-3.13 pts vs state
—Rate spread (pts)
$132kMedian applicant income
19Loans originated
0Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 29 | 23 | 6.9% | 3.00% | #435 |
| 2024 | 28 | 26 | 7.1% | 3.50% | #440 |
| 2025 | 22 | 19 | 0.0% | 3.50% | #480 |
What Library of Congress lends in Virginia
By loan purpose
By loan type
Where in Virginia
Counties with the most Library of Congress applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 6 | 3 | 0 | 0.0% |
| Alexandria city | 3 | 3 | 0 | 0.0% |
| Orange County | 2 | 2 | 0 | 0.0% |
| Spotsylvania County | 2 | 2 | 0 | 0.0% |
| Stafford County | 1 | 1 | 0 | 0.0% |
| Hanover County | 1 | 1 | 0 | 0.0% |
| Albemarle County | 1 | 1 | 0 | 0.0% |
| Fluvanna County | 1 | 1 | 0 | 0.0% |
| Arlington County | 1 | 1 | 0 | 0.0% |
| Culpeper County | 1 | 1 | 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: 22 applications in 2025, of which 19 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Library of Congress originated in Virginia in 2025 was 3.50%, against a statewide median of 6.63%.
About this data. Figures are Library of Congress'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