Nation One Mortgage in Virginia vs the state
1.3%Denial rate-14.65 pts vs state
1.5%Decision denial rate-18.77 pts vs state
85.8%Origination rate+26.29 pts vs state
6.63%Median rate0.00 pts vs state
0.47Rate spread (pts)+0.25 pts vs state
$82kMedian applicant income
133Loans originated
2Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 165 | 133 | 2.4% | 6.63% | #208 |
| 2024 | 176 | 143 | 0.6% | 6.63% | #217 |
| 2025 | 155 | 133 | 1.3% | 6.63% | #236 |
What Nation One Mortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Nation One Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lynchburg city | 32 | 24 | 1 | 3.1% |
| Roanoke city | 18 | 14 | 1 | 5.6% |
| Campbell County | 17 | 17 | 0 | 0.0% |
| Roanoke County | 15 | 11 | 0 | 0.0% |
| Bedford County | 12 | 10 | 0 | 0.0% |
| Amherst County | 8 | 8 | 0 | 0.0% |
| Appomattox County | 8 | 7 | 0 | 0.0% |
| Chesapeake city | 5 | 5 | 0 | 0.0% |
| Pittsylvania County | 4 | 3 | 0 | 0.0% |
| Cumberland County | 3 | 2 | 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: 155 applications in 2025, of which 133 were originated and 2 denied.
1.3% of all applications, or 1.5% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Nation One Mortgage originated in Virginia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Nation One 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