Largest lenders in James City County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Navy Federal Credit Union | D | 199 | 97 | 17.6% | 7.75% |
| 2 | Rocket Mortgage | C | 183 | 151 | 8.2% | 6.88% |
| 3 | LANGLEY Federal Credit Union | C | 178 | 145 | 12.4% | 6.99% |
| 4 | 1st Advantage Federal Credit Union | B | 172 | 118 | 22.7% | 5.99% |
| 5 | Prosperity Home Mortgage | A | 135 | 105 | 1.5% | 6.38% |
| 6 | Atlantic Bay Mortgage Group | A | 130 | 110 | 0.8% | 6.63% |
| 7 | Truist Bank | C | 115 | 72 | 27.8% | 6.97% |
| 8 | Bank of America | F | 111 | 46 | 26.1% | 6.18% |
| 9 | Pennymac Loan Services | C | 110 | 60 | 16.4% | 6.37% |
| 10 | Newport News Shipbuilding Employees Credit Union, Inc. DBA Bayport Credit Union | C | 108 | 75 | 10.2% | 7.25% |
| 11 | United Shore Financial Services | B | 107 | 81 | 9.4% | 5.95% |
| 12 | Movement Mortgage | A | 107 | 67 | 1.9% | 6.38% |
| 13 | Freedom Mortgage | B | 97 | 38 | 8.3% | 6.13% |
| 14 | Towne Bank | B | 95 | 78 | 5.3% | 7.13% |
| 15 | Mortgage Research Center | C | 85 | 28 | 22.4% | 6.06% |
| 16 | Lennar Mortgage | A | 76 | 55 | 5.3% | 6.38% |
| 17 | Towne Mortgage | B | 62 | 42 | 1.6% | 6.25% |
| 18 | Ameris Bank | B | 57 | 44 | 1.8% | 6.38% |
| 19 | Newrez | D | 57 | 18 | 7.0% | 6.75% |
| 20 | American Neighborhood Mortgage Acceptance Company | B | 55 | 45 | 3.6% | 6.75% |
| 21 | Citizens and Farmers Bank | D | 49 | 34 | 20.4% | — |
| 22 | Spring Eq | D | 37 | 14 | 37.8% | 8.70% |
| 23 | Loandepot.Com | D | 34 | 17 | 23.5% | 6.99% |
| 24 | Fulton Bank | C | 31 | 21 | 9.7% | 6.63% |
| 25 | New Day Financial | F | 31 | 3 | 16.1% | 6.49% |
Best approval odds in James City County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Atlantic Bay Mortgage Group | 112 | 0.9% |
| 2 | Prosperity Home Mortgage | 108 | 1.9% |
| 3 | Movement Mortgage | 76 | 2.6% |
| 4 | Towne Bank | 85 | 5.9% |
| 5 | Lennar Mortgage | 59 | 6.8% |
| 6 | Rocket Mortgage | 171 | 8.8% |
| 7 | United Shore Financial Services | 93 | 10.8% |
| 8 | Newport News Shipbuilding Employees Credit Union, Inc. DBA Bayport Credit Union | 90 | 12.2% |
| 9 | LANGLEY Federal Credit Union | 170 | 12.9% |
| 10 | Freedom Mortgage | 53 | 15.1% |
What James City County borrowers applied for
By loan purpose
By loan type
Why applications were denied
James City County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 3,100 | 1,903 | 14.8% | 6.75% | $235,000 |
| 2024 | 3,393 | 2,156 | 13.3% | 6.75% | $255,000 |
| 2025 | 3,715 | 2,304 | 13.6% | 6.56% | $265,000 |
Frequently asked questions
13.6% of applications in James City County were denied in 2025, against 15.9% statewide in Virginia.
Navy Federal Credit Union, with 199 applications in 2025 and a denial rate of 17.6%.
The median mortgage application in James City County in 2025 was for $265,000; the median property value on originated loans was $515,000.