The Dart Bank in Virginia vs the state
7.6%Denial rate-8.36 pts vs state
7.9%Decision denial rate-12.36 pts vs state
77.3%Origination rate+17.75 pts vs state
6.25%Median rate-0.38 pts vs state
-0.05Rate spread (pts)-0.27 pts vs state
$124kMedian applicant income
153Loans originated
15Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 55 | 39 | 20.0% | 6.13% | #352 |
| 2025 | 198 | 153 | 7.6% | 6.25% | #205 |
What The Dart Bank lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most The Dart Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 44 | 34 | 4 | 9.1% |
| Prince William County | 26 | 18 | 2 | 7.7% |
| Loudoun County | 22 | 19 | 1 | 4.5% |
| Alexandria city | 12 | 10 | 1 | 8.3% |
| Henrico County | 9 | 6 | 2 | 22.2% |
| Stafford County | 8 | 5 | 2 | 25.0% |
| Chesterfield County | 7 | 6 | 1 | 14.3% |
| Arlington County | 7 | 6 | 0 | 0.0% |
| Fauquier County | 6 | 4 | 1 | 16.7% |
| Warren County | 4 | 3 | 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: 198 applications in 2025, of which 153 were originated and 15 denied.
7.6% of all applications, or 7.9% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans The Dart Bank originated in Virginia in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are The Dart Bank'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