Sierra Pacific Mortgage Company in Virginia vs the state
10.6%Denial rate-5.34 pts vs state
13.6%Decision denial rate-6.68 pts vs state
66.8%Origination rate+7.26 pts vs state
6.63%Median rate0.00 pts vs state
0.28Rate spread (pts)+0.06 pts vs state
$114kMedian applicant income
189Loans originated
30Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 293 | 210 | 16.4% | 6.63% | #148 |
| 2024 | 246 | 178 | 11.0% | 6.63% | #182 |
| 2025 | 283 | 189 | 10.6% | 6.63% | #171 |
What Sierra Pacific Mortgage Company lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Sierra Pacific Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince William County | 40 | 23 | 6 | 15.0% |
| Fairfax County | 33 | 18 | 5 | 15.2% |
| Virginia Beach city | 25 | 17 | 3 | 12.0% |
| Loudoun County | 23 | 14 | 2 | 8.7% |
| Stafford County | 16 | 12 | 3 | 18.8% |
| Fauquier County | 12 | 1 | 1 | 8.3% |
| Chesapeake city | 12 | 10 | 0 | 0.0% |
| Henrico County | 11 | 8 | 1 | 9.1% |
| Portsmouth city | 8 | 6 | 1 | 12.5% |
| Spotsylvania County | 7 | 5 | 2 | 28.6% |
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: 283 applications in 2025, of which 189 were originated and 30 denied.
10.6% of all applications, or 13.6% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Sierra Pacific Mortgage Company originated in Virginia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Sierra Pacific Mortgage Company'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