The Union Bank in Virginia vs the state
16.7%Denial rate+0.73 pts vs state
20.0%Decision denial rate-0.25 pts vs state
66.7%Origination rate+7.15 pts vs state
—Median rate
—Rate spread (pts)
$127kMedian applicant income
4Loans originated
1Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 0 | 50.0% | — | #596 |
| 2024 | 6 | 3 | 33.3% | 6.75% | #619 |
| 2025 | 6 | 4 | 16.7% | — | #638 |
What The Union Bank lends in Virginia
By loan purpose
By loan type
Where in Virginia
Counties with the most The Union Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Stafford County | 2 | 1 | 1 | 50.0% |
| York County | 1 | 1 | 0 | 0.0% |
| Arlington County | 1 | 1 | 0 | 0.0% |
| Bedford County | 1 | 1 | 0 | 0.0% |
| Fairfax County | 1 | 0 | 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: 6 applications in 2025, of which 4 were originated and 1 denied.
16.7% of all applications, or 20.0% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are The Union 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