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Frederick County, Virginia · 2025

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

301 lenders acted on 4,794 mortgage applications for properties in Frederick County in 2025. 15.1% were denied (Virginia: 15.9%). Median rate on closed loans 6.63%; median loan $275,000; median property value $445,000.

4.8kApplications
15.1%Denial ratestate 15.9%
6.63%Median ratestate 6.63%
$275,000Median loan
$445,000Median property value

Largest lenders in Frederick County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Navy Federal Credit Union D 372226 12.6%7.95%
2 Rocket Mortgage C 291217 16.2%6.88%
3 Dhi Mortgage Company B 280208 5.0%5.99%
4 Truist Bank C 190102 30.5%6.72%
5 Crosscountry Mortgage B 190145 3.2%6.63%
6 United Shore Financial Services B 186135 12.4%6.25%
7 Integrity Home Mortgage B 156117 3.2%6.63%
8 Pennymac Loan Services C 14885 8.1%7.75%
9 Bank of Clarke D 12977 17.1%—
10 Loandepot.Com D 12695 10.3%6.38%
11 Apple Federal Credit Union D 10462 26.0%7.49%
12 Freedom Mortgage B 10248 5.9%6.25%
13 Intercoastal Mortgage A 8680 0.0%6.50%
14 Atlantic Coast Mortgage A 8372 1.2%6.63%
15 Newrez D 8026 20.0%6.75%
16 Mortgage Research Center C 7630 11.8%5.99%
17 First Bank C 6350 15.9%—
18 Homeamerican Mortgage A 6141 9.8%5.00%
19 City National Bank of West Virginia C 5434 25.9%6.32%
20 Guild Mortgage A 5236 3.9%6.75%
21 AmeriSave Mortgage D 4718 53.2%8.44%
22 Bank of America F 4617 37.0%6.25%
23 Lakeview Loan Servicing C 469 63.0%6.63%
24 Fairway Independent Mortgage B 4638 2.2%6.43%
25 Spring Eq D 4319 41.9%9.28%

Best approval odds in Frederick County

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

#LenderDecidedDecision denial rate
1Intercoastal Mortgage820.0%
2Atlantic Coast Mortgage791.3%
3Integrity Home Mortgage1303.9%
4Crosscountry Mortgage1514.0%
5Dhi Mortgage Company2226.3%
6Freedom Mortgage629.7%
7Homeamerican Mortgage5311.3%
8Loandepot.Com11111.7%
9Pennymac Loan Services9812.2%
10United Shore Financial Services16214.2%

What Frederick County borrowers applied for

By loan purpose

Home purchase 2,280 48% · 8.4% denied
Refinance 622 13% · 13.5% denied
Cash-out refinance 886 18% · 19.2% denied
Home improvement 426 9% · 26.1% denied
Other / HELOC 580 12% · 28.5% denied

By loan type

Conventional 3,480 73% · 16.1% denied
FHA 764 16% · 15.1% denied
VA 514 11% · 8.6% denied
USDA / RHS 36 1% · 5.6% denied

Why applications were denied

Credit history 193 28%
Debt-to-income ratio 192 28%
Incomplete application 100 15%
Other 71 10%
Collateral 67 10%
Unverifiable information 37 5%
Insufficient cash 18 3%
Employment history 11 2%

Frederick County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20233,8052,30119.1%6.88%$245,000
20244,4112,79416.8%6.75%$265,000
20254,7942,99215.1%6.63%$275,000

Frequently asked questions

15.1% of applications in Frederick County were denied in 2025, against 15.9% statewide in Virginia.

Navy Federal Credit Union, with 372 applications in 2025 and a denial rate of 12.6%.

The median mortgage application in Frederick County in 2025 was for $275,000; the median property value on originated loans was $445,000.