V.i.p. Mortgage in Virginia vs the state
7.1%Denial rate-8.80 pts vs state
9.6%Decision denial rate-10.63 pts vs state
67.1%Origination rate+7.62 pts vs state
6.25%Median rate-0.38 pts vs state
0.08Rate spread (pts)-0.14 pts vs state
$109kMedian applicant income
47Loans originated
5Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 37 | 27 | 5.4% | 6.75% | #404 |
| 2025 | 70 | 47 | 7.1% | 6.25% | #332 |
What V.i.p. Mortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most V.i.p. Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chesterfield County | 11 | 7 | 1 | 9.1% |
| Lee County | 11 | 9 | 0 | 0.0% |
| Fairfax County | 8 | 3 | 3 | 37.5% |
| Chesapeake city | 6 | 5 | 0 | 0.0% |
| Prince William County | 6 | 4 | 0 | 0.0% |
| Caroline County | 4 | 2 | 1 | 25.0% |
| Portsmouth city | 3 | 2 | 0 | 0.0% |
| Suffolk city | 3 | 3 | 0 | 0.0% |
| Prince George County | 3 | 3 | 0 | 0.0% |
| Virginia Beach city | 3 | 2 | 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: 70 applications in 2025, of which 47 were originated and 5 denied.
7.1% of all applications, or 9.6% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans V.i.p. Mortgage originated in Virginia in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are V.i.p. 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