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2024 data HMDA 2024 disclosure official source

Appomattox County

751 mortgage applications, 18.6% denial rate. Verify FIPS 51011 with U.S. Census Bureau →

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Virginia · FIPS 51011

Local mortgage market. Appomattox County, Virginia saw 751 HMDA-reported mortgage applications in 2024. Lenders originated 372 of those loans and denied 140, producing a denial rate of 18.6% and an approval (origination) rate of 49.5%. The average loan amount was $201,498 at an average note rate of 7.08%, with applicants self-reporting average annual income of $36K. 98 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.6x, meaning typical borrowers took on mortgages of about 5.6 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 51011 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

751
Applications
372
Originated
18.6%
Denial Rate
49.5%
Approval Rate
$201,498
Avg Loan Amount
7.08%
Avg Interest Rate
$36K
Avg Applicant Income
5.6x
Loan-to-Income Ratio

Nearby Lenders in Appomattox 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 The Farmers Bank of Appomattox 52 14.0%
2 Rocket Mortgage 30 8.1%
3 Truist Bank 19 5.1%
4 United Wholesale Mortgage 14 3.8%
5 ALCOVA Mortgage, LLC 13 3.5%
Compare The Farmers Bank of Appomattox vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Appomattox County?
In the 2024 HMDA reporting year, 751 mortgage applications were filed in Appomattox County, Virginia. Of these, 372 were originated (approved and funded), while 140 were denied, resulting in a denial rate of 18.6%.
What is the mortgage denial rate in Appomattox County?
The mortgage denial rate in Appomattox County is 18.6%. The approval (origination) rate is 49.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Appomattox County?
The average mortgage loan amount in Appomattox County is $201,498. The average interest rate is 7.084%. The average applicant income is $36K.
What is the loan-to-income ratio in Appomattox County?
The average loan-to-income ratio in Appomattox County is 5.6x, meaning borrowers took on loans averaging 5.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Appomattox County?
The top mortgage lenders in Appomattox County by origination volume are The Farmers Bank of Appomattox, Rocket Mortgage, Truist Bank. In total, 98 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.