Moria Development in Virginia vs the state
4.5%Denial rate-11.49 pts vs state
5.6%Decision denial rate-14.67 pts vs state
75.0%Origination rate+15.48 pts vs state
6.49%Median rate-0.13 pts vs state
0.05Rate spread (pts)-0.17 pts vs state
$132kMedian applicant income
219Loans originated
13Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 86 | 62 | 9.3% | 7.00% | #283 |
| 2024 | 541 | 391 | 3.5% | 6.63% | #100 |
| 2025 | 292 | 219 | 4.5% | 6.49% | #165 |
What Moria Development lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Moria Development applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Spotsylvania County | 44 | 33 | 1 | 2.3% |
| Stafford County | 27 | 19 | 0 | 0.0% |
| Prince William County | 17 | 17 | 0 | 0.0% |
| Fairfax County | 16 | 12 | 0 | 0.0% |
| Virginia Beach city | 14 | 8 | 1 | 7.1% |
| Chesterfield County | 12 | 9 | 0 | 0.0% |
| Caroline County | 11 | 6 | 0 | 0.0% |
| Rockingham County | 10 | 7 | 0 | 0.0% |
| Norfolk city | 9 | 8 | 0 | 0.0% |
| Fredericksburg city | 9 | 6 | 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: 292 applications in 2025, of which 219 were originated and 13 denied.
4.5% of all applications, or 5.6% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Moria Development originated in Virginia in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Moria Development'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