Longbridge Financial in Virginia vs the state
8.0%Denial rate-7.94 pts vs state
9.4%Decision denial rate-10.85 pts vs state
69.1%Origination rate+9.62 pts vs state
6.13%Median rate-0.50 pts vs state
—Rate spread (pts)
$35kMedian applicant income
121Loans originated
14Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 85 | 55 | 10.6% | 7.48% | #285 |
| 2024 | 71 | 53 | 11.3% | 6.78% | #320 |
| 2025 | 175 | 121 | 8.0% | 6.13% | #219 |
What Longbridge Financial lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Longbridge Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Henrico County | 17 | 12 | 2 | 11.8% |
| Chesterfield County | 15 | 14 | 0 | 0.0% |
| Fairfax County | 12 | 8 | 1 | 8.3% |
| Virginia Beach city | 10 | 6 | 1 | 10.0% |
| Hanover County | 8 | 5 | 1 | 12.5% |
| Prince William County | 7 | 4 | 0 | 0.0% |
| Richmond city | 6 | 4 | 0 | 0.0% |
| Louisa County | 6 | 4 | 0 | 0.0% |
| Hampton city | 6 | 6 | 0 | 0.0% |
| Bedford County | 5 | 3 | 2 | 40.0% |
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: 175 applications in 2025, of which 121 were originated and 14 denied.
8.0% of all applications, or 9.4% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Longbridge Financial originated in Virginia in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Longbridge Financial'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