Nations Direct Mortgage in Virginia vs the state
7.0%Denial rate-8.92 pts vs state
8.7%Decision denial rate-11.55 pts vs state
73.7%Origination rate+14.16 pts vs state
6.49%Median rate-0.13 pts vs state
0.15Rate spread (pts)-0.07 pts vs state
$147kMedian applicant income
168Loans originated
16Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 269 | 190 | 11.9% | 6.63% | #157 |
| 2024 | 298 | 220 | 8.1% | 6.63% | #159 |
| 2025 | 228 | 168 | 7.0% | 6.49% | #195 |
What Nations Direct Mortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Nations Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 55 | 38 | 3 | 5.5% |
| Prince William County | 55 | 41 | 4 | 7.3% |
| Loudoun County | 14 | 10 | 1 | 7.1% |
| Stafford County | 11 | 10 | 1 | 9.1% |
| Virginia Beach city | 9 | 8 | 0 | 0.0% |
| Chesterfield County | 7 | 5 | 0 | 0.0% |
| Frederick County | 7 | 5 | 0 | 0.0% |
| Hampton city | 7 | 4 | 1 | 14.3% |
| Henrico County | 6 | 6 | 0 | 0.0% |
| Richmond city | 5 | 4 | 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: 228 applications in 2025, of which 168 were originated and 16 denied.
7.0% of all applications, or 8.7% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Nations Direct Mortgage originated in Virginia in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Nations Direct 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