Union Home Mortgage in Virginia vs the state
7.3%Denial rate-8.64 pts vs state
9.1%Decision denial rate-11.19 pts vs state
71.3%Origination rate+11.78 pts vs state
6.38%Median rate-0.25 pts vs state
0.15Rate spread (pts)-0.07 pts vs state
$124kMedian applicant income
713Loans originated
73Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 701 | 542 | 4.6% | 6.88% | #83 |
| 2024 | 1,035 | 776 | 7.3% | 6.75% | #71 |
| 2025 | 1,000 | 713 | 7.3% | 6.38% | #75 |
What Union Home Mortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Union Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Virginia Beach city | 59 | 45 | 3 | 5.1% |
| Fairfax County | 58 | 39 | 4 | 6.9% |
| Prince William County | 54 | 33 | 8 | 14.8% |
| Loudoun County | 54 | 43 | 2 | 3.7% |
| Chesapeake city | 42 | 28 | 3 | 7.1% |
| Spotsylvania County | 38 | 21 | 3 | 7.9% |
| Portsmouth city | 34 | 20 | 3 | 8.8% |
| Bedford County | 31 | 20 | 5 | 16.1% |
| Norfolk city | 28 | 19 | 1 | 3.6% |
| Chesterfield County | 27 | 20 | 2 | 7.4% |
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: 1,000 applications in 2025, of which 713 were originated and 73 denied.
7.3% of all applications, or 9.1% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Union Home Mortgage originated in Virginia in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Union Home Mortgage'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