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Stafford County, Virginia · 2025

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

360 lenders acted on 8,099 mortgage applications for properties in Stafford County in 2025. 17.5% were denied (Virginia: 15.9%). Median rate on closed loans 6.49%; median loan $375,000; median property value $575,000.

8.1kApplications
17.5%Denial ratestate 15.9%
6.49%Median ratestate 6.63%
$375,000Median loan
$575,000Median property value

Largest lenders in Stafford County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Navy Federal Credit Union D 853433 21.8%8.25%
2 Rocket Mortgage C 524394 14.7%6.63%
3 United Shore Financial Services B 465337 10.8%5.99%
4 Freedom Mortgage B 295150 4.4%5.75%
5 Mortgage Research Center C 268123 17.9%5.99%
6 Pennymac Loan Services C 252131 11.5%6.25%
7 Atlantic Coast Mortgage A 204173 0.5%6.38%
8 Truist Bank C 18180 43.1%6.38%
9 Movement Mortgage A 169133 2.4%6.25%
10 Newrez D 16856 13.7%7.43%
11 Bank of America F 16549 40.6%6.49%
12 Guaranteed Rate B 146102 6.2%6.20%
13 Spring Eq D 14038 50.0%9.23%
14 CMG Mortgage A 139110 3.6%6.00%
15 NVR Mortgage Finance B 12088 21.7%5.99%
16 Lakeview Loan Servicing C 11729 53.9%6.13%
17 Coastal Community Bank C 11529 1.7%10.24%
18 Pentagon Federal Credit Union F 11163 22.5%7.63%
19 PNC Bank D 10661 21.7%6.75%
20 Loandepot.Com D 9662 16.7%7.50%
21 Atlantic Union Bank C 9063 18.9%7.50%
22 Apple Federal Credit Union D 8845 26.1%7.74%
23 Crosscountry Mortgage B 8157 4.9%6.38%
24 AmeriSave Mortgage D 7429 56.8%8.50%
25 Fairway Independent Mortgage B 7256 1.4%6.43%

Best approval odds in Stafford County

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

#LenderDecidedDecision denial rate
1Atlantic Coast Mortgage1830.6%
2Fairway Independent Mortgage571.8%
3Coastal Community Bank872.3%
4Movement Mortgage1452.8%
5CMG Mortgage1204.2%
6Crosscountry Mortgage626.5%
7Freedom Mortgage1966.6%
8Guaranteed Rate1138.0%
9Nationstar Mortgage628.1%
10United Shore Financial Services40812.3%

What Stafford County borrowers applied for

By loan purpose

Home purchase 2,965 37% · 10.1% denied
Refinance 1,533 19% · 13.1% denied
Cash-out refinance 1,603 20% · 19.7% denied
Home improvement 784 10% · 29.5% denied
Other / HELOC 1,214 15% · 30.7% denied

By loan type

Conventional 4,749 59% · 21.8% denied
FHA 899 11% · 17.7% denied
VA 2,445 30% · 9.2% denied
USDA / RHS 6 0% · 16.7% denied

Why applications were denied

Debt-to-income ratio 397 28%
Credit history 374 26%
Incomplete application 251 18%
Collateral 153 11%
Other 137 10%
Unverifiable information 59 4%
Insufficient cash 33 2%
Employment history 13 1%
Mortgage insurance denied 1 0%

Stafford County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20236,7593,71120.9%6.75%$335,000
20247,6094,32718.6%6.75%$345,000
20258,0994,60817.5%6.49%$375,000

Frequently asked questions

17.5% of applications in Stafford County were denied in 2025, against 15.9% statewide in Virginia.

Navy Federal Credit Union, with 853 applications in 2025 and a denial rate of 21.8%.

The median mortgage application in Stafford County in 2025 was for $375,000; the median property value on originated loans was $575,000.