The Loan Store in Virginia vs the state
11.2%Denial rate-4.76 pts vs state
12.4%Decision denial rate-7.89 pts vs state
67.0%Origination rate+7.43 pts vs state
6.88%Median rate+0.25 pts vs state
0.59Rate spread (pts)+0.37 pts vs state
$132kMedian applicant income
545Loans originated
91Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 370 | 218 | 12.4% | 6.88% | #135 |
| 2025 | 814 | 545 | 11.2% | 6.88% | #89 |
What The Loan Store lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most The Loan Store applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chesterfield County | 109 | 75 | 12 | 11.0% |
| Fairfax County | 89 | 58 | 9 | 10.1% |
| Henrico County | 65 | 51 | 6 | 9.2% |
| Prince William County | 64 | 36 | 7 | 10.9% |
| Virginia Beach city | 48 | 36 | 2 | 4.2% |
| Loudoun County | 48 | 33 | 9 | 18.8% |
| Richmond city | 40 | 28 | 3 | 7.5% |
| Norfolk city | 22 | 15 | 0 | 0.0% |
| Chesapeake city | 20 | 17 | 2 | 10.0% |
| Newport News city | 19 | 12 | 3 | 15.8% |
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: 814 applications in 2025, of which 545 were originated and 91 denied.
11.2% of all applications, or 12.4% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans The Loan Store originated in Virginia in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are The Loan Store'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