James City County
Virginia · FIPS 51095
According to CFPB HMDA 2024 application volume among U.S. counties, James City County ranks #617 of 3,223, and #22 of 133 in Virginia.
Mortgage lending activity in James City 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. James City County, Virginia lenders denied 451 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in James City County
In James City County, lead originator Langley Federal Credit Union funded only 6.6% of 2,155 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 19.5% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to James City County's 3,820 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to James City County's $394,364 average loan (deduped against volume peers).
Lenders active in James City County
Langley Federal Credit Union funded 143 of the 2,155 loans originated in James City County, 6.6% of the county. 206 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For James City 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 James City 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.