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Arlington County, Virginia · 2025

Mortgage lenders in Arlington County, VA: denial rates and top lenders (2025)

323 lenders acted on 4,865 mortgage applications for properties in Arlington County in 2025. 11.1% were denied (Virginia: 15.9%). Median rate on closed loans 6.38%; median loan $465,000; median property value $995,000.

4.9kApplications
11.1%Denial ratestate 15.9%
6.38%Median ratestate 6.63%
$465,000Median loan
$995,000Median property value

Largest lenders in Arlington County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Navy Federal Credit Union D 247109 19.8%7.75%
2 Truist Bank C 198116 30.3%6.19%
3 Bank of America F 180101 20.6%5.99%
4 Rocket Mortgage C 162128 12.4%6.50%
5 Guaranteed Rate B 154104 3.9%6.44%
6 First Savings Mortgage A 136114 2.9%6.50%
7 United Shore Financial Services B 135104 8.2%6.06%
8 Crosscountry Mortgage B 12386 0.8%6.24%
9 Atlantic Coast Mortgage A 11796 2.6%6.38%
10 Pentagon Federal Credit Union F 11463 27.2%7.63%
11 JPMorgan Chase Bank B 9762 10.3%6.25%
12 Pennymac Loan Services C 9661 6.3%6.12%
13 Intercoastal Mortgage A 8767 1.2%6.50%
14 Fairway Independent Mortgage B 8063 5.0%6.50%
15 CMG Mortgage A 7456 2.7%6.13%
16 Movement Mortgage A 7457 1.4%6.50%
17 TD Bank D 7450 16.2%7.44%
18 PNC Bank D 7145 14.1%7.18%
19 Bank-Fund Staff Federal Credit Union A 7052 7.1%6.50%
20 Citizens Bank C 7046 18.6%7.28%
21 Wells Fargo Bank B 6744 6.0%5.88%
22 United Bank C 6450 14.1%6.31%
23 Freedom Mortgage B 6430 1.6%6.06%
24 Newrez D 6122 4.9%6.00%
25 Citibank B 5843 12.1%6.00%

Best approval odds in Arlington County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Crosscountry Mortgage881.1%
2Intercoastal Mortgage751.3%
3Movement Mortgage601.7%
4Atlantic Coast Mortgage1032.9%
5CMG Mortgage603.3%
6First Savings Mortgage1183.4%
7Guaranteed Rate1105.5%
8Fairway Independent Mortgage676.0%
9Pennymac Loan Services708.6%
10Bank-Fund Staff Federal Credit Union588.6%

What Arlington County borrowers applied for

By loan purpose

Home purchase 2,533 52% · 4.8% denied
Refinance 895 18% · 10.6% denied
Cash-out refinance 467 10% · 16.7% denied
Home improvement 510 10% · 25.9% denied
Other / HELOC 460 9% · 24.6% denied

By loan type

Conventional 4,219 87% · 11.5% denied
FHA 120 2% · 14.2% denied
VA 526 11% · 7.2% denied

Why applications were denied

Debt-to-income ratio 182 34%
Collateral 95 18%
Incomplete application 76 14%
Other 75 14%
Credit history 69 13%
Unverifiable information 22 4%
Insufficient cash 10 2%
Employment history 5 1%

Arlington County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20233,9262,60811.8%6.60%$405,000
20244,1372,71412.4%6.63%$425,000
20254,8653,20111.1%6.38%$465,000

Frequently asked questions

11.1% of applications in Arlington County were denied in 2025, against 15.9% statewide in Virginia.

Navy Federal Credit Union, with 247 applications in 2025 and a denial rate of 19.8%.

The median mortgage application in Arlington County in 2025 was for $465,000; the median property value on originated loans was $995,000.