Accomack County
Virginia · FIPS 51001
According to CFPB HMDA 2024 application volume among U.S. counties, Accomack County ranks #1,206 of 3,223, and #53 of 133 in Virginia.
Mortgage lending activity in Accomack 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. Accomack County, Virginia lenders denied 255 of the applications reported here, financing the rest at an average note rate of 7.33%, with applicants self-reporting average annual income of $37K. 129 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 Accomack County
In Accomack County, lead originator Presidential Bank, FSB funded 11.1% of 622 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 24.1% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Accomack County's 1,350 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Accomack County's $221,430 average loan (deduped against volume peers).
Lenders active in Accomack County
Presidential Bank, FSB funded 69 of the 622 loans originated in Accomack County, 11.1% of the county. 129 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Presidential Bank, FSB | 69 | 11.1% |
| 2 | Rocket Mortgage | 42 | 6.8% |
| 3 | Calvin B. Taylor Banking Company | 39 | 6.3% |
| 4 | Atlantic Union Bank | 39 | 6.3% |
| 5 | Tidewater Mortgage Services, INC | 32 | 5.1% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Accomack 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 Accomack 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.