William Raveis Mortgage at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
35th13.3% deniedPricingmedian rate spread over APOR, weight 30%
76th0.06 ptsProcesswithdrawn + incomplete share, weight 15%
18th20.5%Closing coststotal loan costs ÷ loan amount, weight 10%
62nd1.59% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 980 | 674 | 9.2% | 11.7% | 6.63% | $211M |
| 2024 | 1,294 | 944 | 9.5% | 11.5% | 6.63% | $318M |
| 2025 | 1,221 | 834 | 10.6% | 13.3% | 6.50% | $308M |
What William Raveis Mortgage lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 48 investment properties.
Why William Raveis Mortgage denies applications
Primary reason reported for each of the 129 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at William Raveis Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 36 | 13 | 58.1% |
| $50k – $100k | 341 | 242 | 14.9% |
| $100k – $150k | 321 | 226 | 14.9% |
| $150k – $250k | 323 | 235 | 6.4% |
| Over $250k | 194 | 117 | 6.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 63 | 45 | 16.7% |
| 25–34 | 420 | 306 | 11.5% |
| 35–44 | 297 | 202 | 11.0% |
| 45–54 | 180 | 118 | 14.9% |
| 55–64 | 145 | 95 | 16.5% |
| 65–74 | 94 | 55 | 20.0% |
| Over 74 | 22 | 13 | 6.7% |
Where William Raveis Mortgage lends
11 states and 64 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Connecticut | 802 | 569 | 11.1% | 6.50% | #42 |
| Massachusetts | 238 | 166 | 7.1% | 6.63% | #138 |
| New York | 101 | 67 | 10.9% | 6.50% | #266 |
| Florida | 53 | 18 | 18.9% | 6.63% | #590 |
| New Jersey | 8 | 2 | 0.0% | 6.81% | #553 |
| Rhode Island | 6 | 5 | 16.7% | 6.50% | #224 |
| South Carolina | 5 | 3 | 0.0% | 6.63% | #645 |
Frequently asked questions
William Raveis Mortgage denied 13.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 35th percentile of small mortgage lenders.
The most common reason William Raveis Mortgage gave in 2025 was "debt-to-income ratio", cited on 34.9% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans William Raveis Mortgage originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was 0.06 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 95% of its applications were for home purchases, 3% for refinancing (including cash-out), and 1% for home improvement or other purposes. By loan type: 91% conventional, 7% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.