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King William County, Virginia · 2025

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

141 lenders acted on 1,004 mortgage applications for properties in King William County in 2025. 14.1% were denied (Virginia: 15.9%). Median rate on closed loans 6.50%; median loan $255,000; median property value $365,000.

1.0kApplications
14.1%Denial ratestate 15.9%
6.50%Median ratestate 6.63%
$255,000Median loan
$365,000Median property value

Largest lenders in King William County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rocket Mortgage C 5440 13.0%6.69%
2 Virginia Credit Union D 5340 15.1%6.38%
3 NVR Mortgage Finance B 5232 30.8%5.99%
4 Vanderbilt Mortgage and Finance F 4429 4.6%6.38%
5 United Bank C 4340 2.3%6.38%
6 Freedom Mortgage B 348 8.8%6.19%
7 C & F Mortgage A 3231 0.0%6.38%
8 Navy Federal Credit Union D 3013 16.7%7.75%
9 United Shore Financial Services B 2822 7.1%6.04%
10 Pennymac Loan Services C 2713 11.1%7.25%
11 Movement Mortgage A 2617 3.9%6.75%
12 Dhi Mortgage Company B 2313 21.7%4.88%
13 Citizens and Farmers Bank D 2216 18.2%—
14 Spring Eq D 189 33.3%9.93%
15 Newrez D 186 22.2%8.13%
16 Mortgage Research Center C 1815 11.1%6.13%
17 Truist Bank C 179 35.3%7.25%
18 Atlantic Union Bank C 1710 41.2%7.50%
19 LANGLEY Federal Credit Union C 1714 17.7%6.49%
20 Prosperity Home Mortgage A 1714 0.0%6.50%
21 Capital Center C 178 23.5%6.56%
22 Bank of America F 143 28.6%6.24%
23 Towne First Mortgage B 1414 0.0%6.69%
24 Loandepot.Com D 136 30.8%7.81%
25 Towne Bank B 1312 0.0%6.63%

Best approval odds in King William County

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

#LenderDecidedDecision denial rate
1Rocket Mortgage5014.0%

What King William County borrowers applied for

By loan purpose

Home purchase 449 45% · 7.8% denied
Refinance 136 14% · 8.8% denied
Cash-out refinance 178 18% · 17.4% denied
Home improvement 98 10% · 26.5% denied
Other / HELOC 143 14% · 26.6% denied

By loan type

Conventional 632 63% · 14.1% denied
FHA 234 23% · 16.7% denied
VA 121 12% · 11.6% denied
USDA / RHS 17 2% · 0.0% denied

Why applications were denied

Credit history 42 30%
Debt-to-income ratio 40 29%
Incomplete application 21 15%
Collateral 17 12%
Other 10 7%
Insufficient cash 5 4%
Unverifiable information 4 3%
Employment history 1 1%

King William County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202373244320.6%6.91%$205,000
202489755717.4%6.75%$225,000
20251,00465714.1%6.50%$255,000

Frequently asked questions

14.1% of applications in King William County were denied in 2025, against 15.9% statewide in Virginia.

Rocket Mortgage, with 54 applications in 2025 and a denial rate of 13.0%.

The median mortgage application in King William County in 2025 was for $255,000; the median property value on originated loans was $365,000.