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2024 data HMDA 2024 disclosure official source

Arlington County

4,720 mortgage applications, 10.8% denial rate. Verify FIPS 51013 with U.S. Census Bureau →

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Virginia · FIPS 51013

Local mortgage market. Arlington County, Virginia saw 4,720 HMDA-reported mortgage applications in 2024. Lenders originated 2,716 of those loans and denied 512, producing a denial rate of 10.8% and an approval (origination) rate of 57.5%. The average loan amount was $824,720 at an average note rate of 6.89%, with applicants self-reporting average annual income of $35K. 262 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 23.6x, meaning typical borrowers took on mortgages of about 23.6 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 51013 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

4,720
Applications
2,716
Originated
10.8%
Denial Rate
57.5%
Approval Rate
$824,720
Avg Loan Amount
6.89%
Avg Interest Rate
$35K
Avg Applicant Income
23.6x
Loan-to-Income Ratio

Nearby Lenders in Arlington 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 Navy Federal Credit Union 121 4.5%
2 First Savings Mortgage Corporation 102 3.8%
3 Rocket Mortgage 101 3.7%
4 Truist Bank 82 3.0%
5 Bank of America NA 80 2.9%
Compare Navy Federal Credit Union vs First Savings Mortgage Corporation →

Frequently Asked Questions

How many mortgage applications were filed in Arlington County?
In the 2024 HMDA reporting year, 4,720 mortgage applications were filed in Arlington County, Virginia. Of these, 2,716 were originated (approved and funded), while 512 were denied, resulting in a denial rate of 10.8%.
What is the mortgage denial rate in Arlington County?
The mortgage denial rate in Arlington County is 10.8%. The approval (origination) rate is 57.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Arlington County?
The average mortgage loan amount in Arlington County is $824,720. The average interest rate is 6.895%. The average applicant income is $35K.
What is the loan-to-income ratio in Arlington County?
The average loan-to-income ratio in Arlington County is 23.6x, meaning borrowers took on loans averaging 23.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Arlington County?
The top mortgage lenders in Arlington County by origination volume are Navy Federal Credit Union, First Savings Mortgage Corporation, Rocket Mortgage. In total, 262 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.