Lima One Capital in Virginia vs the state
8.9%Denial rate-7.09 pts vs state
10.2%Decision denial rate-10.01 pts vs state
77.6%Origination rate+18.08 pts vs state
9.40%Median rate+2.78 pts vs state
—Rate spread (pts)
—Median applicant income
149Loans originated
17Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 156 | 156 | 0.0% | 8.90% | #212 |
| 2024 | 204 | 150 | 13.2% | 10.20% | #199 |
| 2025 | 192 | 149 | 8.9% | 9.40% | #210 |
What Lima One Capital lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Lima One Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Spotsylvania County | 17 | 17 | 0 | 0.0% |
| Louisa County | 17 | 16 | 0 | 0.0% |
| Fairfax County | 17 | 14 | 0 | 0.0% |
| Newport News city | 13 | 11 | 1 | 7.7% |
| Richmond city | 10 | 8 | 1 | 10.0% |
| Petersburg city | 10 | 8 | 1 | 10.0% |
| Chesapeake city | 10 | 9 | 0 | 0.0% |
| Chesterfield County | 8 | 5 | 2 | 25.0% |
| Orange County | 7 | 7 | 0 | 0.0% |
| Norfolk city | 7 | 5 | 1 | 14.3% |
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: 192 applications in 2025, of which 149 were originated and 17 denied.
8.9% of all applications, or 10.2% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Lima One Capital originated in Virginia in 2025 was 9.40%, against a statewide median of 6.63%.
About this data. Figures are Lima One Capital'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