Mortgage Access in Virginia vs the state
8.2%Denial rate-7.76 pts vs state
9.9%Decision denial rate-10.36 pts vs state
74.6%Origination rate+15.03 pts vs state
6.50%Median rate-0.13 pts vs state
0.06Rate spread (pts)-0.17 pts vs state
$167kMedian applicant income
82Loans originated
9Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 130 | 101 | 2.3% | 6.63% | #236 |
| 2024 | 125 | 94 | 3.2% | 6.75% | #248 |
| 2025 | 110 | 82 | 8.2% | 6.50% | #281 |
What Mortgage Access lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Mortgage Access applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 29 | 22 | 3 | 10.3% |
| Loudoun County | 15 | 10 | 0 | 0.0% |
| Prince William County | 14 | 6 | 5 | 35.7% |
| Fauquier County | 6 | 5 | 0 | 0.0% |
| Alexandria city | 5 | 5 | 0 | 0.0% |
| Stafford County | 4 | 4 | 0 | 0.0% |
| Frederick County | 4 | 3 | 0 | 0.0% |
| Bedford County | 3 | 1 | 0 | 0.0% |
| Arlington County | 3 | 3 | 0 | 0.0% |
| Virginia Beach city | 3 | 3 | 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: 110 applications in 2025, of which 82 were originated and 9 denied.
8.2% of all applications, or 9.9% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Mortgage Access originated in Virginia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Mortgage Access'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