Frederick County
Virginia · FIPS 51069
According to CFPB HMDA 2024 application volume among U.S. counties, Frederick County ranks #496 of 3,223, and #16 of 133 in Virginia.
Mortgage lending activity in Frederick 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. Frederick County, Virginia lenders denied 740 of the applications reported here, financing the rest at an average note rate of 7.12%, with applicants self-reporting average annual income of $38K. 242 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.5x, meaning typical borrowers took on mortgages of about 7.5 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 Frederick County
In Frederick County, lead originator Rocket Mortgage funded only 7.3% of 2,782 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 19.9% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Frederick County's 5,195 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Frederick County's $286,176 average loan (deduped against volume peers).
Lenders active in Frederick County
Rocket Mortgage funded 204 of the 2,782 loans originated in Frederick County, 7.3% of the county. 242 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rocket Mortgage | 204 | 7.3% |
| 2 | Navy Federal Credit Union | 186 | 6.7% |
| 3 | DHI Mortgage Company, LTD. | 163 | 5.9% |
| 4 | Integrity Home Mortgage Corporation | 114 | 4.1% |
| 5 | United Wholesale Mortgage | 104 | 3.7% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Frederick County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Frederick County borrowers. 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.