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2024 data HMDA 2024 disclosure official source

Amelia County

585 mortgage applications, 19.3% denial rate. Verify FIPS 51007 with U.S. Census Bureau →

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Virginia · FIPS 51007

Local mortgage market. Amelia County, Virginia saw 585 HMDA-reported mortgage applications in 2024. Lenders originated 290 of those loans and denied 113, producing a denial rate of 19.3% and an approval (origination) rate of 49.6%. The average loan amount was $228,128 at an average note rate of 7.08%, with applicants self-reporting average annual income of $38K. 91 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.

FIPS 51007 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

585
Applications
290
Originated
19.3%
Denial Rate
49.6%
Approval Rate
$228,128
Avg Loan Amount
7.08%
Avg Interest Rate
$38K
Avg Applicant Income
6.0x
Loan-to-Income Ratio

Nearby Lenders in Amelia County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Rocket Mortgage 19 6.6%
2 Virginia Federal Credit Union 18 6.2%
3 C&F Mortgage CORP 16 5.5%
4 ALCOVA Mortgage, LLC 14 4.8%
5 Truist Bank 12 4.1%
Compare Rocket Mortgage vs Virginia Federal Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Amelia County?
In the 2024 HMDA reporting year, 585 mortgage applications were filed in Amelia County, Virginia. Of these, 290 were originated (approved and funded), while 113 were denied, resulting in a denial rate of 19.3%.
What is the mortgage denial rate in Amelia County?
The mortgage denial rate in Amelia County is 19.3%. The approval (origination) rate is 49.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Amelia County?
The average mortgage loan amount in Amelia County is $228,128. The average interest rate is 7.083%. The average applicant income is $38K.
What is the loan-to-income ratio in Amelia County?
The average loan-to-income ratio in Amelia County is 6.0x, meaning borrowers took on loans averaging 6.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Amelia County?
The top mortgage lenders in Amelia County by origination volume are Rocket Mortgage, Virginia Federal Credit Union, C&F Mortgage CORP. In total, 91 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.