Swbc Mortgage in Virginia vs the state
3.9%Denial rate-12.09 pts vs state
4.4%Decision denial rate-15.83 pts vs state
79.7%Origination rate+20.20 pts vs state
6.63%Median rate0.00 pts vs state
0.32Rate spread (pts)+0.10 pts vs state
$89kMedian applicant income
456Loans originated
22Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 404 | 327 | 3.5% | 6.75% | #119 |
| 2024 | 403 | 331 | 5.5% | 6.75% | #125 |
| 2025 | 572 | 456 | 3.9% | 6.63% | #104 |
What Swbc Mortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Swbc Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 54 | 41 | 0 | 0.0% |
| Chesterfield County | 48 | 38 | 4 | 8.3% |
| Roanoke County | 45 | 41 | 0 | 0.0% |
| Franklin County | 35 | 27 | 5 | 14.3% |
| Bedford County | 32 | 28 | 0 | 0.0% |
| Lynchburg city | 29 | 25 | 0 | 0.0% |
| Roanoke city | 28 | 26 | 1 | 3.6% |
| Prince William County | 26 | 17 | 2 | 7.7% |
| Henrico County | 20 | 16 | 1 | 5.0% |
| Loudoun County | 19 | 14 | 1 | 5.3% |
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: 572 applications in 2025, of which 456 were originated and 22 denied.
3.9% of all applications, or 4.4% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Swbc Mortgage originated in Virginia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Swbc 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