King William County
Virginia · FIPS 51101
According to CFPB HMDA 2024 application volume among U.S. counties, King William County ranks #1,373 of 3,223, and #63 of 133 in Virginia.
Mortgage lending activity in King William County, Virginia based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. King William County, Virginia lenders denied 156 of the applications reported here, financing the rest at an average note rate of 7.14%, with applicants self-reporting average annual income of $38K. 114 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.0x, meaning typical borrowers took on mortgages of about 6.0 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in King William County
In King William County, lead originator Rocket Mortgage funded only 7.9% of 557 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 20.1% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to King William County's 1,066 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to King William County's $227,833 average loan (deduped against volume peers).
Lenders active in King William County
Rocket Mortgage funded 44 of the 557 loans originated in King William County, 7.9% of the county. 114 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rocket Mortgage | 44 | 7.9% |
| 2 | United Bank | 40 | 7.2% |
| 3 | Virginia Federal Credit Union | 28 | 5.0% |
| 4 | United Wholesale Mortgage | 19 | 3.4% |
| 5 | DHI Mortgage Company, LTD. | 18 | 3.2% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For King William County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for King William County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.