Zippy Loans in Virginia vs the state
16.7%Denial rate+0.73 pts vs state
25.0%Decision denial rate+4.75 pts vs state
50.0%Origination rate-9.52 pts vs state
8.85%Median rate+2.22 pts vs state
0.03Rate spread (pts)-0.19 pts vs state
$66kMedian applicant income
3Loans originated
1Denied
What Zippy Loans lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Zippy Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dinwiddie County | 2 | 2 | 0 | 0.0% |
| Frederick 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: 6 applications in 2025, of which 3 were originated and 1 denied.
16.7% of all applications, or 25.0% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Zippy Loans originated in Virginia in 2025 was 8.85%, against a statewide median of 6.63%.
About this data. Figures are Zippy 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