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Poquoson city, Virginia · 2025

Mortgage lenders in Poquoson city, VA: denial rates and top lenders (2025)

112 lenders acted on 732 mortgage applications for properties in Poquoson city in 2025. 13.8% were denied (Virginia: 15.9%). Median rate on closed loans 6.50%; median loan $325,000; median property value $505,000.

732Applications
13.8%Denial ratestate 15.9%
6.50%Median ratestate 6.63%
$325,000Median loan
$505,000Median property value

Largest lenders in Poquoson city

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 LANGLEY Federal Credit Union C 8773 11.5%6.99%
2 NVR Mortgage Finance B 8354 18.1%5.93%
3 Rocket Mortgage C 3627 16.7%7.25%
4 Mortgage Research Center C 3311 27.3%6.25%
5 Atlantic Bay Mortgage Group A 3227 0.0%6.25%
6 Newport News Shipbuilding Employees Credit Union, Inc. DBA Bayport Credit Union C 2921 10.3%7.49%
7 United Shore Financial Services B 2822 7.1%6.06%
8 Pennymac Loan Services C 227 13.6%5.88%
9 Truist Bank C 2210 22.7%7.64%
10 Navy Federal Credit Union D 219 19.1%6.38%
11 Freedom Mortgage B 198 10.5%6.25%
12 Newrez D 195 10.5%6.63%
13 American Neighborhood Mortgage Acceptance Company B 1711 0.0%6.50%
14 Towne Bank B 1511 0.0%6.99%
15 1st Advantage Federal Credit Union B 139 30.8%6.74%
16 Movement Mortgage A 1210 8.3%6.84%
17 First Heritage Mortgage A 108 10.0%6.63%
18 Calcon Mutual Mortgage D 97 0.0%6.49%
19 Loandepot.Com D 96 22.2%6.69%
20 Vanderbilt Mortgage and Finance F 91 44.4%11.25%
21 Village Capital & Investment C 84 12.5%5.75%
22 AmeriSave Mortgage D 71 71.4%8.88%
23 CMG Mortgage A 65 0.0%6.50%
24 Southern Trust Mortgage B 65 0.0%6.63%
25 Prosperity Home Mortgage A 64 16.7%5.88%

Best approval odds in Poquoson city

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

#LenderDecidedDecision denial rate
1LANGLEY Federal Credit Union8312.1%
2NVR Mortgage Finance6921.7%

What Poquoson city borrowers applied for

By loan purpose

Home purchase 352 48% · 10.2% denied
Refinance 126 17% · 12.7% denied
Cash-out refinance 97 13% · 21.7% denied
Home improvement 70 10% · 5.7% denied
Other / HELOC 87 12% · 27.6% denied

By loan type

Conventional 418 57% · 13.9% denied
FHA 67 9% · 14.9% denied
VA 247 34% · 13.4% denied

Why applications were denied

Debt-to-income ratio 29 29%
Credit history 29 29%
Other 15 15%
Incomplete application 12 12%
Collateral 9 9%
Unverifiable information 3 3%
Employment history 2 2%
Insufficient cash 2 2%

Poquoson city by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202360939014.8%6.75%$285,000
20246664639.9%6.50%$305,000
202573245713.8%6.50%$325,000

Frequently asked questions

13.8% of applications in Poquoson city were denied in 2025, against 15.9% statewide in Virginia.

LANGLEY Federal Credit Union, with 87 applications in 2025 and a denial rate of 11.5%.

The median mortgage application in Poquoson city in 2025 was for $325,000; the median property value on originated loans was $505,000.