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2024 data HMDA 2024 disclosure official source

Fluvanna County

1,502 mortgage applications, 17.4% denial rate. Verify FIPS 51065 with U.S. Census Bureau →

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Virginia · FIPS 51065

Local mortgage market. Fluvanna County, Virginia saw 1,502 HMDA-reported mortgage applications in 2024. Lenders originated 764 of those loans and denied 261, producing a denial rate of 17.4% and an approval (origination) rate of 50.9%. The average loan amount was $226,644 at an average note rate of 7.24%, with applicants self-reporting average annual income of $38K. 135 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 51065 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,502
Applications
764
Originated
17.4%
Denial Rate
50.9%
Approval Rate
$226,644
Avg Loan Amount
7.24%
Avg Interest Rate
$38K
Avg Applicant Income
6.0x
Loan-to-Income Ratio

Nearby Lenders in Fluvanna 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 Uva Community Credit Union 104 13.6%
2 Rocket Mortgage 68 8.9%
3 Atlantic Coast Mortgage, LLC 42 5.5%
4 Atlantic Union Bank 26 3.4%
5 United Wholesale Mortgage 24 3.1%
Compare Uva Community Credit Union vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Fluvanna County?
In the 2024 HMDA reporting year, 1,502 mortgage applications were filed in Fluvanna County, Virginia. Of these, 764 were originated (approved and funded), while 261 were denied, resulting in a denial rate of 17.4%.
What is the mortgage denial rate in Fluvanna County?
The mortgage denial rate in Fluvanna County is 17.4%. The approval (origination) rate is 50.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Fluvanna County?
The average mortgage loan amount in Fluvanna County is $226,644. The average interest rate is 7.242%. The average applicant income is $38K.
What is the loan-to-income ratio in Fluvanna County?
The average loan-to-income ratio in Fluvanna 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 Fluvanna County?
The top mortgage lenders in Fluvanna County by origination volume are Uva Community Credit Union, Rocket Mortgage, Atlantic Coast Mortgage, LLC. In total, 135 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.