Zillow Home Loans in Virginia vs the state
6.0%Denial rate-9.91 pts vs state
7.5%Decision denial rate-12.80 pts vs state
73.0%Origination rate+13.51 pts vs state
6.50%Median rate-0.13 pts vs state
0.22Rate spread (pts)0.00 pts vs state
$121kMedian applicant income
436Loans originated
36Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 161 | 120 | 4.4% | 6.63% | #209 |
| 2024 | 240 | 171 | 7.1% | 6.63% | #186 |
| 2025 | 597 | 436 | 6.0% | 6.50% | #102 |
What Zillow Home Loans lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Zillow Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 109 | 83 | 7 | 6.4% |
| Prince William County | 45 | 33 | 1 | 2.2% |
| Loudoun County | 41 | 29 | 6 | 14.6% |
| Chesterfield County | 27 | 18 | 0 | 0.0% |
| Stafford County | 22 | 16 | 1 | 4.5% |
| Alexandria city | 21 | 18 | 1 | 4.8% |
| Norfolk city | 20 | 14 | 2 | 10.0% |
| Spotsylvania County | 19 | 11 | 2 | 10.5% |
| Virginia Beach city | 17 | 11 | 1 | 5.9% |
| Henrico County | 14 | 12 | 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: 597 applications in 2025, of which 436 were originated and 36 denied.
6.0% of all applications, or 7.5% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Zillow Home Loans originated in Virginia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Zillow Home Loans'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