United Bank in Virginia vs the state
15.8%Denial rate-0.15 pts vs state
18.1%Decision denial rate-2.11 pts vs state
70.7%Origination rate+11.16 pts vs state
6.49%Median rate-0.13 pts vs state
0.16Rate spread (pts)-0.06 pts vs state
$123kMedian applicant income
1,374Loans originated
307Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 660 | 393 | 34.4% | 9.00% | #85 |
| 2024 | 2,277 | 1,666 | 12.4% | 6.63% | #34 |
| 2025 | 1,944 | 1,374 | 15.8% | 6.49% | #43 |
What United Bank lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most United Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 277 | 177 | 57 | 20.6% |
| Loudoun County | 149 | 107 | 21 | 14.1% |
| Richmond city | 131 | 98 | 17 | 13.0% |
| Chesterfield County | 130 | 104 | 10 | 7.7% |
| Henrico County | 123 | 89 | 14 | 11.4% |
| Prince William County | 116 | 73 | 20 | 17.2% |
| Hanover County | 101 | 80 | 12 | 11.9% |
| Rockingham County | 80 | 62 | 12 | 15.0% |
| Arlington County | 64 | 50 | 9 | 14.1% |
| Alexandria city | 50 | 34 | 7 | 14.0% |
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: 1,944 applications in 2025, of which 1,374 were originated and 307 denied.
15.8% of all applications, or 18.1% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans United Bank originated in Virginia in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are United 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