UIF in Virginia vs the state
10.2%Denial rate-5.75 pts vs state
14.3%Decision denial rate-5.96 pts vs state
61.1%Origination rate+1.59 pts vs state
6.81%Median rate+0.19 pts vs state
0.21Rate spread (pts)-0.01 pts vs state
$138kMedian applicant income
66Loans originated
11Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 67 | 48 | 6.0% | 6.93% | #318 |
| 2024 | 90 | 60 | 7.8% | 7.00% | #290 |
| 2025 | 108 | 66 | 10.2% | 6.81% | #283 |
What UIF lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most UIF applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince William County | 30 | 21 | 1 | 3.3% |
| Loudoun County | 21 | 13 | 3 | 14.3% |
| Fairfax County | 19 | 10 | 3 | 15.8% |
| Henrico County | 9 | 4 | 1 | 11.1% |
| Alexandria city | 4 | 2 | 0 | 0.0% |
| Chesterfield County | 4 | 3 | 1 | 25.0% |
| Manassas city | 4 | 4 | 0 | 0.0% |
| Stafford County | 3 | 2 | 1 | 33.3% |
| Spotsylvania County | 3 | 1 | 0 | 0.0% |
| Suffolk city | 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: 108 applications in 2025, of which 66 were originated and 11 denied.
10.2% of all applications, or 14.3% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans UIF originated in Virginia in 2025 was 6.81%, against a statewide median of 6.63%.
About this data. Figures are UIF'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