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Fairfax County, Virginia · 2025

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

537 lenders acted on 34,679 mortgage applications for properties in Fairfax County in 2025. 14.9% were denied (Virginia: 15.9%). Median rate on closed loans 6.50%; median loan $415,000; median property value $805,000.

35kApplications
14.9%Denial ratestate 15.9%
6.50%Median ratestate 6.63%
$415,000Median loan
$805,000Median property value

Largest lenders in Fairfax County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Navy Federal Credit Union D 2,4881,251 17.0%7.75%
2 Truist Bank C 1,664950 28.9%6.24%
3 Rocket Mortgage C 1,6281,243 12.7%6.50%
4 Bank of America F 1,347551 29.0%6.13%
5 United Shore Financial Services B 1,292981 10.3%6.25%
6 Pennymac Loan Services C 844496 7.6%6.25%
7 Pentagon Federal Credit Union F 812436 25.9%7.63%
8 PNC Bank D 786449 24.6%7.27%
9 Crosscountry Mortgage B 760536 1.7%6.49%
10 Guaranteed Rate B 691408 2.6%6.25%
11 Apple Federal Credit Union D 664386 19.6%7.49%
12 Atlantic Coast Mortgage A 643526 1.4%6.49%
13 Newrez D 565188 15.2%6.25%
14 First Heritage Mortgage A 509419 2.4%6.38%
15 Freedom Mortgage B 502192 4.6%5.88%
16 Intercoastal Mortgage A 464368 2.8%6.38%
17 Spring Eq D 461106 50.3%9.55%
18 Citizens Bank C 458305 19.2%7.40%
19 CMG Mortgage A 450317 1.6%6.25%
20 Mortgage Research Center C 434185 18.2%5.88%
21 Manufacturers and Traders Trust C 423267 17.5%5.75%
22 Movement Mortgage A 414290 4.6%6.38%
23 First Savings Mortgage A 379307 0.5%6.38%
24 JPMorgan Chase Bank B 368228 6.8%6.38%
25 Prosperity Home Mortgage A 368303 1.9%6.38%

Best approval odds in Fairfax County

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

#LenderDecidedDecision denial rate
1Emet Lending Group850.0%
2Atlantic Bay Mortgage Group1610.6%
3First Savings Mortgage3090.7%
4Alcova Mortgage681.5%
5Atlantic Coast Mortgage5591.6%
6Bay Equity591.7%
7Jams-011061.9%
8CMG Mortgage3472.0%
9Guaranteed Rate Affinity1352.2%
10Prosperity Home Mortgage3102.3%

What Fairfax County borrowers applied for

By loan purpose

Home purchase 14,567 42% · 5.5% denied
Refinance 6,441 19% · 14.3% denied
Cash-out refinance 4,585 13% · 20.5% denied
Home improvement 4,696 14% · 26.1% denied
Other / HELOC 4,390 13% · 29.5% denied

By loan type

Conventional 29,215 84% · 15.9% denied
FHA 1,449 4% · 16.8% denied
VA 4,014 12% · 7.2% denied
USDA / RHS 1 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 2,025 39%
Incomplete application 884 17%
Credit history 836 16%
Collateral 576 11%
Other 485 9%
Unverifiable information 206 4%
Insufficient cash 92 2%
Employment history 50 1%

Fairfax County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202327,12116,23917.3%6.75%$365,000
202430,76718,47216.4%6.75%$385,000
202534,67920,77714.9%6.50%$415,000

Frequently asked questions

14.9% of applications in Fairfax County were denied in 2025, against 15.9% statewide in Virginia.

Navy Federal Credit Union, with 2,488 applications in 2025 and a denial rate of 17.0%.

The median mortgage application in Fairfax County in 2025 was for $415,000; the median property value on originated loans was $805,000.