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Manassas city, Virginia · 2025

Mortgage lenders in Manassas city, VA: denial rates and top lenders (2025)

183 lenders acted on 1,344 mortgage applications for properties in Manassas city in 2025. 20.2% were denied (Virginia: 15.9%). Median rate on closed loans 6.50%; median loan $315,000; median property value $545,000.

1.3kApplications
20.2%Denial ratestate 15.9%
6.50%Median ratestate 6.63%
$315,000Median loan
$545,000Median property value

Largest lenders in Manassas city

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Navy Federal Credit Union D 8742 23.0%7.75%
2 Truist Bank C 7729 44.2%6.20%
3 Rocket Mortgage C 7761 10.4%6.50%
4 United Shore Financial Services B 6546 16.9%6.50%
5 CMG Mortgage A 4127 2.4%6.00%
6 Apple Federal Credit Union D 3519 31.4%7.49%
7 Pennymac Loan Services C 3318 12.1%6.94%
8 PNC Bank D 3310 36.4%0.25%
9 Atlantic Coast Mortgage A 3124 3.2%6.49%
10 Freedom Mortgage B 3011 10.0%6.38%
11 Bank of America F 295 55.2%6.38%
12 Newrez D 299 6.9%6.50%
13 Northwest Federal Credit Union D 2614 38.5%6.88%
14 First Equity Mortgage C 2310 26.1%6.31%
15 Spring Eq D 214 52.4%8.79%
16 Lower C 2010 10.0%5.69%
17 Movement Mortgage A 1915 5.3%6.13%
18 Loandepot.Com D 1910 36.8%7.06%
19 Guaranteed Rate B 188 16.7%6.20%
20 Pentagon Federal Credit Union F 1812 16.7%6.94%
21 Lakeview Loan Servicing C 174 47.1%5.94%
22 Crosscountry Mortgage B 1611 0.0%6.58%
23 Vellum Mortgage A 1514 0.0%6.69%
24 Figure Lending C 154 53.3%9.08%
25 Manufacturers and Traders Trust C 143 64.3%5.99%

Best approval odds in Manassas city

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

#LenderDecidedDecision denial rate
1Rocket Mortgage7111.3%
2United Shore Financial Services5819.0%
3Navy Federal Credit Union6232.3%
4Truist Bank6750.8%

What Manassas city borrowers applied for

By loan purpose

Home purchase 545 41% · 8.3% denied
Refinance 214 16% · 16.4% denied
Cash-out refinance 252 19% · 23.0% denied
Home improvement 136 10% · 43.4% denied
Other / HELOC 197 15% · 38.1% denied

By loan type

Conventional 1,037 77% · 22.2% denied
FHA 161 12% · 17.4% denied
VA 145 11% · 9.7% denied
USDA / RHS 1 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 98 36%
Credit history 56 21%
Incomplete application 48 18%
Collateral 26 10%
Other 22 8%
Unverifiable information 14 5%
Insufficient cash 5 2%
Employment history 3 1%

Manassas city by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20231,15367220.2%6.88%$255,000
20241,28477518.2%6.75%$305,000
20251,34473120.2%6.50%$315,000

Frequently asked questions

20.2% of applications in Manassas city were denied in 2025, against 15.9% statewide in Virginia.

Navy Federal Credit Union, with 87 applications in 2025 and a denial rate of 23.0%.

The median mortgage application in Manassas city in 2025 was for $315,000; the median property value on originated loans was $545,000.