United Shore Financial Services in Virginia vs the state
10.4%Denial rate-5.51 pts vs state
12.2%Decision denial rate-8.07 pts vs state
72.4%Origination rate+12.91 pts vs state
6.12%Median rate-0.50 pts vs state
-0.08Rate spread (pts)-0.30 pts vs state
$107kMedian applicant income
10,136Loans originated
1,459Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7,445 | 5,751 | 9.9% | 6.50% | #4 |
| 2024 | 10,563 | 7,798 | 10.8% | 6.25% | #4 |
| 2025 | 13,994 | 10,136 | 10.4% | 6.12% | #3 |
What United Shore Financial Services lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 1,292 | 981 | 133 | 10.3% |
| Virginia Beach city | 998 | 748 | 79 | 7.9% |
| Prince William County | 905 | 626 | 114 | 12.6% |
| Chesterfield County | 782 | 566 | 88 | 11.3% |
| Loudoun County | 763 | 585 | 58 | 7.6% |
| Chesapeake city | 688 | 486 | 72 | 10.5% |
| Norfolk city | 635 | 441 | 55 | 8.7% |
| Henrico County | 546 | 408 | 54 | 9.9% |
| Stafford County | 465 | 337 | 50 | 10.8% |
| Spotsylvania County | 395 | 292 | 39 | 9.9% |
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% |
| 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% |
| Vanderbilt Mortgage and Finance | F | 5,850 | 40.0% | 9.25% |
Frequently asked questions
Virginia: 13,994 applications in 2025, of which 10,136 were originated and 1,459 denied.
10.4% of all applications, or 12.2% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans United Shore Financial Services originated in Virginia in 2025 was 6.12%, against a statewide median of 6.63%.
About this data. Figures are United Shore Financial 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