Wilmington Savings Fund Society in Virginia vs the state
10.8%Denial rate-5.13 pts vs state
13.8%Decision denial rate-6.46 pts vs state
67.6%Origination rate+8.05 pts vs state
6.50%Median rate-0.13 pts vs state
0.03Rate spread (pts)-0.19 pts vs state
$147kMedian applicant income
25Loans originated
4Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 5 | 0.0% | 6.50% | #629 |
| 2024 | 7 | 6 | 0.0% | 8.00% | #592 |
| 2025 | 37 | 25 | 10.8% | 6.50% | #415 |
What Wilmington Savings Fund Society lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Wilmington Savings Fund Society applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 9 | 7 | 1 | 11.1% |
| Loudoun County | 5 | 3 | 0 | 0.0% |
| Accomack County | 4 | 2 | 1 | 25.0% |
| Northampton County | 2 | 1 | 0 | 0.0% |
| Henrico County | 2 | 2 | 0 | 0.0% |
| Fauquier County | 2 | 1 | 0 | 0.0% |
| Emporia city | 1 | 1 | 0 | 0.0% |
| Prince William County | 1 | 0 | 0 | 0.0% |
| King William County | 1 | 1 | 0 | 0.0% |
| Manassas Park city | 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: 37 applications in 2025, of which 25 were originated and 4 denied.
10.8% of all applications, or 13.8% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Wilmington Savings Fund Society originated in Virginia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Wilmington Savings Fund Society'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