Mid-Island Mortgage in Virginia vs the state
18.8%Denial rate+2.81 pts vs state
25.0%Decision denial rate+4.75 pts vs state
56.3%Origination rate-3.27 pts vs state
6.25%Median rate-0.38 pts vs state
0.13Rate spread (pts)-0.09 pts vs state
$150kMedian applicant income
9Loans originated
3Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 28 | 16 | 10.7% | 6.75% | #438 |
| 2024 | 16 | 8 | 12.5% | 6.44% | #513 |
| 2025 | 16 | 9 | 18.8% | 6.25% | #516 |
What Mid-Island Mortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Mid-Island Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince William County | 3 | 3 | 0 | 0.0% |
| Loudoun County | 3 | 2 | 1 | 33.3% |
| Fairfax County | 2 | 1 | 0 | 0.0% |
| Westmoreland County | 1 | 0 | 1 | 100.0% |
| Cumberland County | 1 | 1 | 0 | 0.0% |
| Fredericksburg city | 1 | 1 | 0 | 0.0% |
| Northumberland County | 1 | 0 | 1 | 100.0% |
| Alexandria city | 1 | 0 | 0 | 0.0% |
| New Kent County | 1 | 0 | 0 | 0.0% |
| Roanoke city | 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: 16 applications in 2025, of which 9 were originated and 3 denied.
18.8% of all applications, or 25.0% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Mid-Island Mortgage originated in Virginia in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Mid-Island 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