Total Mortgage Services in Virginia vs the state
4.4%Denial rate-11.59 pts vs state
6.0%Decision denial rate-14.25 pts vs state
68.1%Origination rate+8.60 pts vs state
6.75%Median rate+0.13 pts vs state
0.54Rate spread (pts)+0.32 pts vs state
$88kMedian applicant income
47Loans originated
3Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16 | 14 | 6.3% | 6.75% | #504 |
| 2024 | 51 | 28 | 9.8% | 6.94% | #368 |
| 2025 | 69 | 47 | 4.4% | 6.75% | #333 |
What Total Mortgage Services lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Total Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harrisonburg city | 11 | 7 | 0 | 0.0% |
| Albemarle County | 7 | 4 | 1 | 14.3% |
| Rockingham County | 7 | 4 | 0 | 0.0% |
| Waynesboro city | 7 | 6 | 1 | 14.3% |
| Culpeper County | 3 | 2 | 0 | 0.0% |
| Norfolk city | 2 | 1 | 0 | 0.0% |
| Chesterfield County | 2 | 1 | 0 | 0.0% |
| Rockbridge County | 2 | 1 | 0 | 0.0% |
| Halifax County | 2 | 0 | 1 | 50.0% |
| Augusta County | 2 | 2 | 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: 69 applications in 2025, of which 47 were originated and 3 denied.
4.4% of all applications, or 6.0% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Total Mortgage Services originated in Virginia in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Total Mortgage Services'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