Reliance First Capital in Virginia vs the state
4.6%Denial rate-11.32 pts vs state
5.4%Decision denial rate-14.86 pts vs state
79.8%Origination rate+20.31 pts vs state
6.50%Median rate-0.13 pts vs state
0.72Rate spread (pts)+0.50 pts vs state
$71kMedian applicant income
190Loans originated
11Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 221 | 184 | 2.3% | 6.63% | #178 |
| 2024 | 264 | 219 | 3.8% | 6.75% | #174 |
| 2025 | 238 | 190 | 4.6% | 6.50% | #192 |
What Reliance First Capital lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Reliance First Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chesterfield County | 14 | 12 | 0 | 0.0% |
| Henrico County | 13 | 13 | 0 | 0.0% |
| Fairfax County | 12 | 9 | 1 | 8.3% |
| Prince William County | 12 | 10 | 0 | 0.0% |
| Richmond city | 9 | 7 | 1 | 11.1% |
| Norfolk city | 8 | 6 | 2 | 25.0% |
| Loudoun County | 7 | 5 | 0 | 0.0% |
| Pittsylvania County | 6 | 6 | 0 | 0.0% |
| Roanoke County | 6 | 5 | 1 | 16.7% |
| Franklin County | 5 | 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: 238 applications in 2025, of which 190 were originated and 11 denied.
4.6% of all applications, or 5.4% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Reliance First Capital originated in Virginia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Reliance First Capital'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