North American Savings Bank in Virginia vs the state
7.7%Denial rate-8.25 pts vs state
9.2%Decision denial rate-11.02 pts vs state
75.6%Origination rate+16.12 pts vs state
6.13%Median rate-0.50 pts vs state
-0.49Rate spread (pts)-0.71 pts vs state
$142kMedian applicant income
59Loans originated
6Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 88 | 59 | 10.2% | 5.99% | #278 |
| 2024 | 85 | 64 | 4.7% | 5.93% | #299 |
| 2025 | 78 | 59 | 7.7% | 6.13% | #314 |
What North American Savings Bank lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most North American Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hampton city | 9 | 8 | 0 | 0.0% |
| York County | 8 | 7 | 0 | 0.0% |
| Newport News city | 7 | 6 | 0 | 0.0% |
| Suffolk city | 5 | 3 | 1 | 20.0% |
| Isle of Wight County | 5 | 4 | 0 | 0.0% |
| Chesapeake city | 4 | 2 | 1 | 25.0% |
| Gloucester County | 4 | 4 | 0 | 0.0% |
| Fairfax County | 4 | 2 | 1 | 25.0% |
| Chesterfield County | 3 | 2 | 0 | 0.0% |
| Henrico County | 2 | 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: 78 applications in 2025, of which 59 were originated and 6 denied.
7.7% of all applications, or 9.2% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans North American Savings Bank originated in Virginia in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are North American Savings 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