Mutual of Omaha Mortgage in Virginia vs the state
18.2%Denial rate+2.27 pts vs state
22.5%Decision denial rate+2.29 pts vs state
59.7%Origination rate+0.15 pts vs state
6.38%Median rate-0.25 pts vs state
0.19Rate spread (pts)-0.03 pts vs state
$84kMedian applicant income
839Loans originated
256Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 805 | 454 | 26.5% | 6.98% | #78 |
| 2024 | 1,183 | 700 | 21.4% | 6.63% | #59 |
| 2025 | 1,406 | 839 | 18.2% | 6.38% | #58 |
What Mutual of Omaha Mortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Mutual of Omaha Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 116 | 83 | 16 | 13.8% |
| Chesterfield County | 90 | 51 | 18 | 20.0% |
| Prince William County | 72 | 44 | 9 | 12.5% |
| Virginia Beach city | 68 | 44 | 7 | 10.3% |
| Chesapeake city | 59 | 38 | 15 | 25.4% |
| Henrico County | 48 | 29 | 9 | 18.8% |
| Newport News city | 46 | 23 | 10 | 21.7% |
| Loudoun County | 44 | 30 | 9 | 20.5% |
| Norfolk city | 43 | 25 | 5 | 11.6% |
| Hampton city | 39 | 19 | 12 | 30.8% |
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: 1,406 applications in 2025, of which 839 were originated and 256 denied.
18.2% of all applications, or 22.5% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Mutual of Omaha Mortgage originated in Virginia in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Mutual of Omaha 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