Augusta County
Virginia · FIPS 51015
According to CFPB HMDA 2024 application volume among U.S. counties, Augusta County ranks #710 of 3,210, and #26 of 133 in Virginia.
Mortgage lending activity in Augusta 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. Augusta County, Virginia saw 3,048 HMDA-reported mortgage applications in 2024. Lenders originated 1,630 of those loans and denied 536, producing a denial rate of 17.6% and an approval (origination) rate of 53.5%. The average loan amount was $208,724 at an average note rate of 7.34%, with applicants self-reporting average annual income of $37K. 157 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Augusta County
In Augusta County, lead originator Dupont Community Credit Union funded 18.7% of 1,630 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 31.3% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Augusta County's 3,048 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Augusta County's $208,724 average loan (deduped against volume peers).
Lenders active in Augusta County
Dupont Community Credit Union funded 305 of the 1,630 loans originated in Augusta County, 18.7% of the county. 157 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Dupont Community Credit Union | 305 | 18.7% |
| 2 | ALCOVA Mortgage, LLC | 113 | 6.9% |
| 3 | Rocket Mortgage | 93 | 5.7% |
| 4 | City National Bank of WV | 91 | 5.6% |
| 5 | Atlantic Union Bank | 83 | 5.1% |
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; does not constitute financial advice for Augusta County borrowers.
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 Augusta County 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. 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.