NBKC Bank in Virginia vs the state
9.0%Denial rate-6.95 pts vs state
13.3%Decision denial rate-6.98 pts vs state
58.1%Origination rate-1.46 pts vs state
6.13%Median rate-0.50 pts vs state
-0.34Rate spread (pts)-0.56 pts vs state
$150kMedian applicant income
252Loans originated
39Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 331 | 212 | 7.0% | 6.13% | #138 |
| 2024 | 427 | 266 | 9.6% | 6.13% | #122 |
| 2025 | 434 | 252 | 9.0% | 6.13% | #122 |
What NBKC Bank lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most NBKC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 73 | 39 | 6 | 8.2% |
| Prince William County | 37 | 21 | 2 | 5.4% |
| Loudoun County | 26 | 15 | 3 | 11.5% |
| Virginia Beach city | 25 | 17 | 1 | 4.0% |
| Chesapeake city | 21 | 11 | 2 | 9.5% |
| Chesterfield County | 20 | 9 | 2 | 10.0% |
| Albemarle County | 16 | 6 | 1 | 6.3% |
| Stafford County | 15 | 10 | 1 | 6.7% |
| Norfolk city | 13 | 9 | 2 | 15.4% |
| Spotsylvania County | 12 | 4 | 2 | 16.7% |
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: 434 applications in 2025, of which 252 were originated and 39 denied.
9.0% of all applications, or 13.3% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans NBKC Bank originated in Virginia in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are NBKC Bank'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