Stockton Mortgage in Virginia vs the state
28.8%Denial rate+12.81 pts vs state
63.9%Decision denial rate+43.64 pts vs state
16.3%Origination rate-43.27 pts vs state
6.75%Median rate+0.13 pts vs state
0.87Rate spread (pts)+0.65 pts vs state
$73kMedian applicant income
13Loans originated
23Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 49 | 10 | 16.3% | 6.50% | #367 |
| 2024 | 63 | 14 | 14.3% | 6.69% | #334 |
| 2025 | 80 | 13 | 28.8% | 6.75% | #308 |
What Stockton Mortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Stockton Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| James City County | 4 | 0 | 1 | 25.0% |
| Chesterfield County | 4 | 0 | 1 | 25.0% |
| Hampton city | 4 | 0 | 0 | 0.0% |
| Louisa County | 4 | 1 | 0 | 0.0% |
| Norfolk city | 3 | 0 | 0 | 0.0% |
| Colonial Heights city | 3 | 1 | 2 | 66.7% |
| Virginia Beach city | 3 | 0 | 1 | 33.3% |
| Prince Edward County | 3 | 1 | 1 | 33.3% |
| Stafford County | 3 | 0 | 1 | 33.3% |
| Albemarle County | 3 | 1 | 2 | 66.7% |
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: 80 applications in 2025, of which 13 were originated and 23 denied.
28.8% of all applications, or 63.9% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Stockton Mortgage originated in Virginia in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Stockton 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