Loandepot.Com in Virginia vs the state
21.1%Denial rate+5.11 pts vs state
25.6%Decision denial rate+5.35 pts vs state
59.3%Origination rate-0.26 pts vs state
6.99%Median rate+0.37 pts vs state
0.73Rate spread (pts)+0.51 pts vs state
$100kMedian applicant income
2,215Loans originated
787Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,286 | 1,316 | 25.0% | 6.25% | #30 |
| 2024 | 3,581 | 1,936 | 24.4% | 6.63% | #18 |
| 2025 | 3,738 | 2,215 | 21.1% | 6.99% | #18 |
What Loandepot.Com lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Loandepot.Com applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 307 | 194 | 50 | 16.3% |
| Loudoun County | 273 | 172 | 36 | 13.2% |
| Prince William County | 254 | 160 | 48 | 18.9% |
| Chesterfield County | 239 | 138 | 45 | 18.8% |
| Virginia Beach city | 206 | 127 | 36 | 17.5% |
| Chesapeake city | 150 | 94 | 41 | 27.3% |
| Henrico County | 150 | 95 | 27 | 18.0% |
| Frederick County | 126 | 95 | 13 | 10.3% |
| Caroline County | 102 | 67 | 16 | 15.7% |
| Stafford County | 96 | 62 | 16 | 16.7% |
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: 3,738 applications in 2025, of which 2,215 were originated and 787 denied.
21.1% of all applications, or 25.6% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Loandepot.Com originated in Virginia in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Loandepot.Com'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