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2024 data HMDA 2024 disclosure official source

James City County

3,820 mortgage applications, 11.8% denial rate. Verify FIPS 51095 with U.S. Census Bureau →

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Virginia · FIPS 51095

Local mortgage market. James City County, Virginia saw 3,820 HMDA-reported mortgage applications in 2024. Lenders originated 2,155 of those loans and denied 451, producing a denial rate of 11.8% and an approval (origination) rate of 56.4%. The average loan amount was $394,364 at an average note rate of 7.12%, with applicants self-reporting average annual income of $37K. 206 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 10.7x, meaning typical borrowers took on mortgages of about 10.7 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 51095 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,820
Applications
2,155
Originated
11.8%
Denial Rate
56.4%
Approval Rate
$394,364
Avg Loan Amount
7.12%
Avg Interest Rate
$37K
Avg Applicant Income
10.7x
Loan-to-Income Ratio

Nearby Lenders in James City 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 Langley Federal Credit Union 143 6.6%
2 Lennar Mortgage, LLC 139 6.5%
3 Navy Federal Credit Union 139 6.5%
4 1st Advantage Federal Credit U 104 4.8%
5 BayPort Credit Union 92 4.3%
Compare Langley Federal Credit Union vs Lennar Mortgage, LLC →

Frequently Asked Questions

How many mortgage applications were filed in James City County?
In the 2024 HMDA reporting year, 3,820 mortgage applications were filed in James City County, Virginia. Of these, 2,155 were originated (approved and funded), while 451 were denied, resulting in a denial rate of 11.8%.
What is the mortgage denial rate in James City County?
The mortgage denial rate in James City County is 11.8%. The approval (origination) rate is 56.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in James City County?
The average mortgage loan amount in James City County is $394,364. The average interest rate is 7.117%. The average applicant income is $37K.
What is the loan-to-income ratio in James City County?
The average loan-to-income ratio in James City County is 10.7x, meaning borrowers took on loans averaging 10.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in James City County?
The top mortgage lenders in James City County by origination volume are Langley Federal Credit Union, Lennar Mortgage, LLC, Navy Federal Credit Union. In total, 206 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.