Lunenburg County
Virginia · FIPS 51111
According to CFPB HMDA 2024 application volume among U.S. counties, Lunenburg County ranks #2,208 of 3,210, and #112 of 133 in Virginia.
Mortgage lending activity in Lunenburg 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. Lunenburg County, Virginia saw 378 HMDA-reported mortgage applications in 2024. Lenders originated 185 of those loans and denied 69, producing a denial rate of 18.3% and an approval (origination) rate of 48.9%. The average loan amount was $175,952 at an average note rate of 7.05%, with applicants self-reporting average annual income of $34K. 57 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.2x, meaning typical borrowers took on mortgages of about 5.2 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 Lunenburg County
In Lunenburg County, lead originator Benchmark Community Bank funded 23.8% of 185 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 39.5% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Lunenburg County's 378 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Lunenburg County's $175,952 average loan (deduped against volume peers).
Lenders active in Lunenburg County
Benchmark Community Bank funded 44 of the 185 loans originated in Lunenburg County, 23.8% of the county. 57 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Benchmark Community Bank | 44 | 23.8% |
| 2 | Rocket Mortgage | 19 | 10.3% |
| 3 | Virginia Federal Credit Union | 10 | 5.4% |
| 4 | Mortgage Research Center | 9 | 4.9% |
| 5 | Freedom Mortgage Corporation | 7 | 3.8% |
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; does not constitute financial advice for Lunenburg County borrowers.
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 Lunenburg County 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. 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.