Brunswick County
Virginia · FIPS 51025
According to CFPB HMDA 2024 application volume among U.S. counties, Brunswick County ranks #2,132 of 3,210, and #108 of 133 in Virginia.
Mortgage lending activity in Brunswick 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. Brunswick County, Virginia saw 421 HMDA-reported mortgage applications in 2024. Lenders originated 170 of those loans and denied 104, producing a denial rate of 24.7% and an approval (origination) rate of 40.4%. The average loan amount was $196,045 at an average note rate of 7.23%, with applicants self-reporting average annual income of $35K. 64 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 Brunswick County
In Brunswick County, lead originator Benchmark Community Bank funded 12.4% of 170 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 27.6% 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 Brunswick County's 421 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Brunswick County's $196,045 average loan (deduped against volume peers).
Lenders active in Brunswick County
Benchmark Community Bank funded 21 of the 170 loans originated in Brunswick County, 12.4% of the county. 64 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Benchmark Community Bank | 21 | 12.4% |
| 2 | Rocket Mortgage | 17 | 10.0% |
| 3 | Citizens Bank & Trust CO. | 9 | 5.3% |
| 4 | United Wholesale Mortgage | 8 | 4.7% |
| 5 | First Ciitizens Bank and Trust | 8 | 4.7% |
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 Brunswick 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 Brunswick 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.