Virginia’s FHA denial rate in 2025 was 21.6% across 31,545 decisioned applications — ranking #29 of 52 states. Among high-volume lenders, the lowest observed denial rate was Atlantic Bay Mortgage Group at 3.6%; the highest was Amerisave Mortgage Company at 75.6%. The institutional spread inside Virginia is 21.0×: the same FHA application faces a 3.6% observed denial rate at one high-volume door and 75.6% at another — two real endpoints of the federal record, same state, same program. Source: complete CFPB HMDA 2025 federal record.
Cells require 100+ decisioned applications. Sorted softest first. Observed rates — not endorsements.
| Lender | Virginia FHA apps | Denial rate |
|---|---|---|
| Atlantic Bay Mortgage Group | 915 | 3.6% |
| Alcova Mortgage, LLC | 757 | 4.0% |
| Atlantic Coast Mortgage, LLC | 550 | 5.1% |
| Crosscountry Mortgage, LLC | 585 | 6.8% |
| Movement Mortgage, LLC | 1,090 | 6.9% |
| American Neighborhood Mortgage A | 653 | 7.2% |
| Freedom Mortgage Corporation | 1,327 | 17.6% |
| United Wholesale Mortgage | 2,382 | 21.7% |
| Pennymac Loan Services LLC | 997 | 22.3% |
| Rocket Mortgage | 2,845 | 26.3% |
| Loandepot.Com LLC | 583 | 35.7% |
| Nvr Mortgage Finance, Inc. | 1,225 | 36.6% |
| Newrez LLC | 593 | 56.7% |
| Lakeview Loan Servicing, LLC | 576 | 59.7% |
| Amerisave Mortgage Company | 679 | 75.6% |
Applications under $150K were denied 37.9% of the time versus 18.8% for loans of $250K+ — a 2.0× penalty on the smallest loans. National context: the small-loan penalty.
The Home Mortgage Disclosure Act requires every U.S. mortgage lender to report every application — outcome, amount, and denial reason — to federal regulators annually. It is government-verified, covers all lenders equally, and cannot be gamed. These tables are processed directly from that record.
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