Old Dominion National Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
97th0.0% deniedPricingmedian rate spread over APOR, weight 30%
88th-0.12 ptsProcesswithdrawn + incomplete share, weight 15%
77th5.4%Closing coststotal loan costs ÷ loan amount, weight 10%
87th0.92% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 194 | 175 | 2.1% | 2.2% | 6.13% | $147M |
| 2024 | 151 | 137 | 2.7% | 2.8% | 6.38% | $142M |
| 2025 | 148 | 140 | 0.0% | 0.0% | 6.25% | $132M |
What Old Dominion National Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 42 investment properties.
Who gets approved at Old Dominion National Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $150k – $250k | 21 | 20 | 0.0% |
| Over $250k | 56 | 52 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 27 | 22 | 0.0% |
| 35–44 | 29 | 29 | 0.0% |
| 45–54 | 21 | 19 | 0.0% |
| 55–64 | 27 | 27 | 0.0% |
Where Old Dominion National Bank lends
10 states and 32 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Virginia | 59 | 58 | 0.0% | 6.37% | #351 |
| Pennsylvania | 57 | 53 | 0.0% | 6.13% | #470 |
| District of Columbia | 11 | 8 | 0.0% | 7.44% | #173 |
| Maryland | 10 | 10 | 0.0% | 6.50% | #468 |
Frequently asked questions
Old Dominion National Bank denied 0.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 97th percentile of small mortgage lenders.
The median interest rate on loans Old Dominion National Bank originated in 2025 was 6.25%, and its median rate spread over the average prime offer rate was -0.12 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 92% of its applications were for home purchases, 8% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 99% conventional, 0% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.