Loudoun County
Virginia · FIPS 51107
According to CFPB HMDA 2024 application volume among U.S. counties, Loudoun County ranks #152 of 3,223, and #5 of 133 in Virginia.
Mortgage lending activity in Loudoun 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. Loudoun County, Virginia lenders denied 2,693 of the applications reported here, financing the rest at an average note rate of 7.23%, with applicants self-reporting average annual income of $38K. 376 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 12.7x, meaning typical borrowers took on mortgages of about 12.7 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 Loudoun County
In Loudoun County, lead originator Navy Federal Credit Union funded only 6.5% of 9,934 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 17.1% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Loudoun County's 18,708 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Loudoun County's $481,715 average loan (deduped against volume peers).
Lenders active in Loudoun County
Navy Federal Credit Union funded 647 of the 9,934 loans originated in Loudoun County, 6.5% of the county. 376 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Navy Federal Credit Union | 647 | 6.5% |
| 2 | Rocket Mortgage | 628 | 6.3% |
| 3 | Intercoastal Mortgage, LLC | 421 | 4.2% |
| 4 | Truist Bank | 410 | 4.1% |
| 5 | Atlantic Coast Mortgage, LLC | 388 | 3.9% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Loudoun 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 Loudoun 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.