Member Advantage Mortgage in Virginia vs the state
23.4%Denial rate+7.44 pts vs state
32.1%Decision denial rate+11.89 pts vs state
16.9%Origination rate-42.64 pts vs state
6.00%Median rate-0.63 pts vs state
0.19Rate spread (pts)-0.03 pts vs state
$116kMedian applicant income
13Loans originated
18Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 84 | 16 | 38.1% | 6.38% | #286 |
| 2024 | 93 | 39 | 22.6% | 6.63% | #288 |
| 2025 | 77 | 13 | 23.4% | 6.00% | #316 |
What Member Advantage Mortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Member Advantage Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George County | 12 | 3 | 2 | 16.7% |
| Rockingham County | 7 | 0 | 2 | 28.6% |
| Chesterfield County | 6 | 1 | 0 | 0.0% |
| Hopewell city | 6 | 1 | 2 | 33.3% |
| Fairfax County | 6 | 1 | 0 | 0.0% |
| Alexandria city | 4 | 1 | 1 | 25.0% |
| Dinwiddie County | 4 | 1 | 1 | 25.0% |
| Prince William County | 4 | 0 | 2 | 50.0% |
| Page County | 3 | 1 | 0 | 0.0% |
| Colonial Heights city | 3 | 0 | 2 | 66.7% |
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: 77 applications in 2025, of which 13 were originated and 18 denied.
23.4% of all applications, or 32.1% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Member Advantage Mortgage originated in Virginia in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are Member Advantage Mortgage'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