Find a better mortgage lender

Loudoun County, Virginia · 2025

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

464 lenders acted on 18,882 mortgage applications for properties in Loudoun County in 2025. 14.6% were denied (Virginia: 15.9%). Median rate on closed loans 6.50%; median loan $445,000; median property value $855,000.

19kApplications
14.6%Denial ratestate 15.9%
6.50%Median ratestate 6.63%
$445,000Median loan
$855,000Median property value

Largest lenders in Loudoun County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Navy Federal Credit Union D 1,179645 15.5%7.95%
2 Rocket Mortgage C 1,023814 11.7%6.75%
3 Truist Bank C 869511 25.1%6.25%
4 United Shore Financial Services B 763585 7.6%6.13%
5 Bank of America F 605264 29.1%6.24%
6 Atlantic Coast Mortgage A 514427 1.0%6.50%
7 Pennymac Loan Services C 493260 10.8%6.38%
8 Intercoastal Mortgage A 484412 2.1%6.49%
9 Guaranteed Rate B 403225 4.0%6.25%
10 Northwest Federal Credit Union D 373242 18.2%7.00%
11 PNC Bank D 342207 26.0%7.77%
12 Pentagon Federal Credit Union F 338188 24.9%7.75%
13 Spring Eq D 28889 45.5%9.35%
14 Manufacturers and Traders Trust C 283189 19.4%5.88%
15 Apple Federal Credit Union D 283151 25.8%7.49%
16 Newrez D 281100 12.1%6.44%
17 Freedom Mortgage B 279116 5.4%5.88%
18 Coastal Community Bank C 27964 5.0%10.24%
19 Loandepot.Com D 273172 13.2%7.63%
20 CMG Mortgage A 267173 4.9%6.38%
21 United Nations Federal Credit Union B 249158 9.2%5.63%
22 Crosscountry Mortgage B 242170 2.9%6.50%
23 First Heritage Mortgage A 233194 0.4%6.48%
24 Pulte Mortgage A 204133 6.9%6.13%
25 Atlantic Union Bank C 195118 27.7%7.25%

Best approval odds in Loudoun County

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

#LenderDecidedDecision denial rate
1Jams-01650.0%
2First Heritage Mortgage1960.5%
3NFM1370.7%
4Fairway Independent Mortgage901.1%
5Atlantic Coast Mortgage4501.1%
6First Savings Mortgage512.0%
7Intercoastal Mortgage4412.3%
8Embrace Home Loans613.3%
9Prosperity Home Mortgage1083.7%
10Guaranteed Rate Affinity533.8%

What Loudoun County borrowers applied for

By loan purpose

Home purchase 7,468 40% · 5.7% denied
Refinance 3,849 20% · 13.0% denied
Cash-out refinance 2,588 14% · 20.0% denied
Home improvement 2,414 13% · 25.1% denied
Other / HELOC 2,563 14% · 27.4% denied

By loan type

Conventional 16,412 87% · 14.9% denied
FHA 1,074 6% · 18.3% denied
VA 1,393 7% · 7.5% denied
USDA / RHS 3 0% · 33.3% denied

Why applications were denied

Debt-to-income ratio 1,115 41%
Credit history 503 18%
Incomplete application 434 16%
Other 252 9%
Collateral 240 9%
Unverifiable information 100 4%
Insufficient cash 57 2%
Employment history 36 1%

Loudoun County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202314,3208,37718.4%6.88%$365,000
202416,6149,94816.2%6.88%$405,000
202518,88211,50114.6%6.50%$445,000

Frequently asked questions

14.6% of applications in Loudoun County were denied in 2025, against 15.9% statewide in Virginia.

Navy Federal Credit Union, with 1,179 applications in 2025 and a denial rate of 15.5%.

The median mortgage application in Loudoun County in 2025 was for $445,000; the median property value on originated loans was $855,000.