United Trust Bank in Virginia vs the state
11.9%Denial rate-4.04 pts vs state
11.9%Decision denial rate-8.35 pts vs state
88.1%Origination rate+28.58 pts vs state
6.50%Median rate-0.13 pts vs state
0.46Rate spread (pts)+0.24 pts vs state
$80kMedian applicant income
37Loans originated
5Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 12 | 10 | 16.7% | 7.13% | #536 |
| 2025 | 42 | 37 | 11.9% | 6.50% | #395 |
What United Trust Bank lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most United Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Virginia Beach city | 6 | 5 | 1 | 16.7% |
| Spotsylvania County | 4 | 3 | 1 | 25.0% |
| Tazewell County | 3 | 3 | 0 | 0.0% |
| Chesterfield County | 3 | 3 | 0 | 0.0% |
| Henrico County | 2 | 2 | 0 | 0.0% |
| Smyth County | 2 | 2 | 0 | 0.0% |
| Hampton city | 2 | 2 | 0 | 0.0% |
| Chesapeake city | 2 | 2 | 0 | 0.0% |
| Fredericksburg city | 1 | 1 | 0 | 0.0% |
| Pittsylvania 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: 42 applications in 2025, of which 37 were originated and 5 denied.
11.9% of all applications, or 11.9% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans United Trust Bank originated in Virginia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are United Trust 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