Traditional Mortgage Acceptance in Virginia vs the state
7.4%Denial rate-8.53 pts vs state
8.7%Decision denial rate-11.55 pts vs state
77.8%Origination rate+18.26 pts vs state
5.88%Median rate-0.75 pts vs state
—Rate spread (pts)
$26kMedian applicant income
21Loans originated
2Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 9 | 0.0% | 7.15% | #567 |
| 2024 | 9 | 8 | 11.1% | 6.94% | #571 |
| 2025 | 27 | 21 | 7.4% | 5.88% | #455 |
What Traditional Mortgage Acceptance lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Traditional Mortgage Acceptance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Greene County | 3 | 2 | 0 | 0.0% |
| Lynchburg city | 2 | 0 | 1 | 50.0% |
| Prince Edward County | 2 | 2 | 0 | 0.0% |
| Hampton city | 2 | 1 | 0 | 0.0% |
| Harrisonburg city | 2 | 1 | 1 | 50.0% |
| Bristol city | 2 | 2 | 0 | 0.0% |
| Culpeper County | 1 | 1 | 0 | 0.0% |
| Newport News city | 1 | 1 | 0 | 0.0% |
| Fairfax County | 1 | 1 | 0 | 0.0% |
| Mecklenburg County | 1 | 1 | 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: 27 applications in 2025, of which 21 were originated and 2 denied.
7.4% of all applications, or 8.7% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Traditional Mortgage Acceptance originated in Virginia in 2025 was 5.88%, against a statewide median of 6.63%.
About this data. Figures are Traditional Mortgage Acceptance'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