Ross Mortgage in Virginia vs the state
6.8%Denial rate-9.10 pts vs state
9.4%Decision denial rate-10.84 pts vs state
65.0%Origination rate+5.44 pts vs state
6.75%Median rate+0.13 pts vs state
0.37Rate spread (pts)+0.15 pts vs state
$100kMedian applicant income
76Loans originated
8Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 85 | 64 | 7.1% | 6.75% | #284 |
| 2024 | 104 | 75 | 0.0% | 6.63% | #270 |
| 2025 | 117 | 76 | 6.8% | 6.75% | #271 |
What Ross Mortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Ross Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Culpeper County | 14 | 9 | 0 | 0.0% |
| Albemarle County | 11 | 8 | 0 | 0.0% |
| Norton city | 6 | 2 | 1 | 16.7% |
| Fluvanna County | 6 | 4 | 1 | 16.7% |
| Orange County | 6 | 2 | 0 | 0.0% |
| Louisa County | 5 | 3 | 0 | 0.0% |
| Scott County | 5 | 4 | 1 | 20.0% |
| Madison County | 5 | 4 | 1 | 20.0% |
| Wise County | 5 | 3 | 0 | 0.0% |
| Lee County | 4 | 2 | 2 | 50.0% |
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: 117 applications in 2025, of which 76 were originated and 8 denied.
6.8% of all applications, or 9.4% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Ross Mortgage originated in Virginia in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Ross 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