Valley West in Virginia vs the state
10.0%Denial rate-5.94 pts vs state
16.7%Decision denial rate-3.58 pts vs state
50.0%Origination rate-9.52 pts vs state
5.56%Median rate-1.06 pts vs state
-0.41Rate spread (pts)-0.63 pts vs state
$250kMedian applicant income
10Loans originated
2Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 5 | 0.0% | 5.50% | #648 |
| 2024 | 75 | 26 | 5.3% | 6.13% | #313 |
| 2025 | 20 | 10 | 10.0% | 5.56% | #486 |
What Valley West lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Valley West applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chesapeake city | 3 | 1 | 1 | 33.3% |
| Caroline County | 2 | 1 | 0 | 0.0% |
| Hanover County | 1 | 1 | 0 | 0.0% |
| Virginia Beach city | 1 | 1 | 0 | 0.0% |
| Hampton city | 1 | 0 | 0 | 0.0% |
| Suffolk city | 1 | 1 | 0 | 0.0% |
| Newport News city | 1 | 1 | 0 | 0.0% |
| Rockbridge County | 1 | 0 | 1 | 100.0% |
| Loudoun County | 1 | 0 | 0 | 0.0% |
| Fairfax County | 1 | 0 | 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: 20 applications in 2025, of which 10 were originated and 2 denied.
10.0% of all applications, or 16.7% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Valley West originated in Virginia in 2025 was 5.56%, against a statewide median of 6.63%.
About this data. Figures are Valley West'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