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2024 data HMDA 2024 disclosure official source

Grayson County

398 mortgage applications, 23.1% denial rate. Verify FIPS 51077 with U.S. Census Bureau →

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Virginia · FIPS 51077

Local mortgage market. Grayson County, Virginia saw 398 HMDA-reported mortgage applications in 2024. Lenders originated 200 of those loans and denied 92, producing a denial rate of 23.1% and an approval (origination) rate of 50.3%. The average loan amount was $139,724 at an average note rate of 7.16%, with applicants self-reporting average annual income of $36K. 64 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.9x, meaning typical borrowers took on mortgages of about 3.9 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 51077 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

398
Applications
200
Originated
23.1%
Denial Rate
50.3%
Approval Rate
$139,724
Avg Loan Amount
7.16%
Avg Interest Rate
$36K
Avg Applicant Income
3.9x
Loan-to-Income Ratio

Nearby Lenders in Grayson 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 Skyline National Bank 41 20.5%
2 Rocket Mortgage 16 8.0%
3 Truliant Federal Credit Union 11 5.5%
4 EMM Loans LLC 10 5.0%
5 Truist Bank 10 5.0%
Compare Skyline National Bank vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Grayson County?
In the 2024 HMDA reporting year, 398 mortgage applications were filed in Grayson County, Virginia. Of these, 200 were originated (approved and funded), while 92 were denied, resulting in a denial rate of 23.1%.
What is the mortgage denial rate in Grayson County?
The mortgage denial rate in Grayson County is 23.1%. The approval (origination) rate is 50.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Grayson County?
The average mortgage loan amount in Grayson County is $139,724. The average interest rate is 7.157%. The average applicant income is $36K.
What is the loan-to-income ratio in Grayson County?
The average loan-to-income ratio in Grayson County is 3.9x, meaning borrowers took on loans averaging 3.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Grayson County?
The top mortgage lenders in Grayson County by origination volume are Skyline National Bank, Rocket Mortgage, Truliant Federal Credit Union. In total, 64 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.