Plaza Home Mortgage in Virginia vs the state
34.6%Denial rate+18.61 pts vs state
39.4%Decision denial rate+19.17 pts vs state
51.4%Origination rate-8.12 pts vs state
6.63%Median rate0.00 pts vs state
0.44Rate spread (pts)+0.22 pts vs state
$95kMedian applicant income
183Loans originated
123Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 177 | 86 | 20.3% | 6.63% | #199 |
| 2024 | 402 | 170 | 33.6% | 6.63% | #126 |
| 2025 | 356 | 183 | 34.6% | 6.63% | #142 |
What Plaza Home Mortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Plaza Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Henrico County | 28 | 16 | 8 | 28.6% |
| Prince William County | 23 | 10 | 8 | 34.8% |
| Loudoun County | 20 | 12 | 8 | 40.0% |
| Chesterfield County | 19 | 12 | 5 | 26.3% |
| Richmond city | 18 | 6 | 9 | 50.0% |
| Fairfax County | 16 | 8 | 6 | 37.5% |
| Virginia Beach city | 16 | 10 | 5 | 31.3% |
| Chesapeake city | 14 | 7 | 7 | 50.0% |
| Newport News city | 13 | 4 | 6 | 46.2% |
| Lancaster County | 10 | 4 | 3 | 30.0% |
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: 356 applications in 2025, of which 183 were originated and 123 denied.
34.6% of all applications, or 39.4% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Plaza Home Mortgage originated in Virginia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Plaza Home 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