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Prince William County, Virginia · 2025

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

455 lenders acted on 19,210 mortgage applications for properties in Prince William County in 2025. 17.0% were denied (Virginia: 15.9%). Median rate on closed loans 6.50%; median loan $365,000; median property value $625,000.

19kApplications
17.0%Denial ratestate 15.9%
6.50%Median ratestate 6.63%
$365,000Median loan
$625,000Median property value

Largest lenders in Prince William County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Navy Federal Credit Union D 1,725887 18.7%8.25%
2 Rocket Mortgage C 1,173921 11.9%6.63%
3 United Shore Financial Services B 905626 12.6%6.13%
4 Truist Bank C 726348 33.3%6.38%
5 Pennymac Loan Services C 540278 13.5%7.00%
6 Freedom Mortgage B 536212 5.2%5.81%
7 Bank of America F 514186 36.8%6.13%
8 Newrez D 439129 16.9%6.75%
9 Apple Federal Credit Union D 432211 31.3%7.49%
10 Pentagon Federal Credit Union F 387191 30.5%7.63%
11 Atlantic Coast Mortgage A 378302 1.3%6.49%
12 First Heritage Mortgage A 367312 3.3%6.25%
13 Mortgage Research Center C 364175 17.0%5.88%
14 PNC Bank D 359197 25.1%6.00%
15 Coastal Community Bank C 30470 0.3%9.99%
16 Spring Eq D 29290 47.6%9.51%
17 CMG Mortgage A 285216 2.8%6.19%
18 Guaranteed Rate B 282166 5.0%6.13%
19 Loandepot.Com D 254160 18.9%6.63%
20 Crosscountry Mortgage B 219147 4.6%6.50%
21 NVR Mortgage Finance B 217145 25.8%6.13%
22 Movement Mortgage A 209145 3.4%6.25%
23 Fairway Independent Mortgage B 194137 4.6%6.49%
24 Northwest Federal Credit Union D 182119 20.3%7.00%
25 Manufacturers and Traders Trust C 18096 38.3%5.99%

Best approval odds in Prince William County

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

#LenderDecidedDecision denial rate
1Atlantic Bay Mortgage Group540.0%
2Coastal Community Bank2060.5%
3First Savings Mortgage781.3%
4Atlantic Coast Mortgage3271.5%
5Intercoastal Mortgage1242.4%
6NFM1013.0%
7CMG Mortgage2383.4%
8First Heritage Mortgage3263.7%
9Movement Mortgage1714.1%
10Prosperity Home Mortgage1124.5%

What Prince William County borrowers applied for

By loan purpose

Home purchase 7,155 37% · 7.7% denied
Refinance 3,292 17% · 14.1% denied
Cash-out refinance 3,601 19% · 19.8% denied
Home improvement 2,309 12% · 29.8% denied
Other / HELOC 2,853 15% · 29.8% denied

By loan type

Conventional 14,007 73% · 18.4% denied
FHA 2,042 11% · 19.1% denied
VA 3,153 16% · 9.5% denied
USDA / RHS 8 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 1,155 35%
Credit history 751 23%
Incomplete application 512 16%
Collateral 312 10%
Other 295 9%
Unverifiable information 123 4%
Insufficient cash 68 2%
Employment history 37 1%
Mortgage insurance denied 2 0%

Prince William County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202315,5178,56821.2%6.75%$315,000
202417,97610,04819.3%6.75%$335,000
202519,21010,73817.0%6.50%$365,000

Frequently asked questions

17.0% of applications in Prince William County were denied in 2025, against 15.9% statewide in Virginia.

Navy Federal Credit Union, with 1,725 applications in 2025 and a denial rate of 18.7%.

The median mortgage application in Prince William County in 2025 was for $365,000; the median property value on originated loans was $625,000.