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2024 data HMDA 2024 disclosure official source

Greensville County

261 mortgage applications, 23.0% denial rate. Verify FIPS 51081 with U.S. Census Bureau →

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Virginia · FIPS 51081

Local mortgage market. Greensville County, Virginia saw 261 HMDA-reported mortgage applications in 2024. Lenders originated 105 of those loans and denied 60, producing a denial rate of 23.0% and an approval (origination) rate of 40.2%. The average loan amount was $147,490 at an average note rate of 7.17%, with applicants self-reporting average annual income of $37K. 54 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.0x, meaning typical borrowers took on mortgages of about 4.0 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 51081 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

261
Applications
105
Originated
23.0%
Denial Rate
40.2%
Approval Rate
$147,490
Avg Loan Amount
7.17%
Avg Interest Rate
$37K
Avg Applicant Income
4.0x
Loan-to-Income Ratio

Nearby Lenders in Greensville 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 Virginia Federal Credit Union 8 7.6%
2 Mortgage Research Center 6 5.7%
3 Truist Bank 6 5.7%
4 JPMorgan Chase Bank, NA 5 4.8%
5 Rocket Mortgage 4 3.8%
Compare Virginia Federal Credit Union vs Mortgage Research Center →

Frequently Asked Questions

How many mortgage applications were filed in Greensville County?
In the 2024 HMDA reporting year, 261 mortgage applications were filed in Greensville County, Virginia. Of these, 105 were originated (approved and funded), while 60 were denied, resulting in a denial rate of 23.0%.
What is the mortgage denial rate in Greensville County?
The mortgage denial rate in Greensville County is 23.0%. The approval (origination) rate is 40.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Greensville County?
The average mortgage loan amount in Greensville County is $147,490. The average interest rate is 7.167%. The average applicant income is $37K.
What is the loan-to-income ratio in Greensville County?
The average loan-to-income ratio in Greensville County is 4.0x, meaning borrowers took on loans averaging 4.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Greensville County?
The top mortgage lenders in Greensville County by origination volume are Virginia Federal Credit Union, Mortgage Research Center, Truist Bank. In total, 54 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.