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2024 data HMDA 2024 disclosure official source

Prince William County

20,323 mortgage applications, 17.0% denial rate. Verify FIPS 51153 with U.S. Census Bureau →

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Virginia · FIPS 51153

Local mortgage market. Prince William County, Virginia saw 20,323 HMDA-reported mortgage applications in 2024. Lenders originated 10,024 of those loans and denied 3,464, producing a denial rate of 17.0% and an approval (origination) rate of 49.3%. The average loan amount was $384,568 at an average note rate of 7.25%, with applicants self-reporting average annual income of $40K. 398 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 9.6x, meaning typical borrowers took on mortgages of about 9.6 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 51153 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

20,323
Applications
10,024
Originated
17.0%
Denial Rate
49.3%
Approval Rate
$384,568
Avg Loan Amount
7.25%
Avg Interest Rate
$40K
Avg Applicant Income
9.6x
Loan-to-Income Ratio

Nearby Lenders in Prince William 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 Navy Federal Credit Union 896 8.9%
2 Rocket Mortgage 687 6.9%
3 United Wholesale Mortgage 531 5.3%
4 First Heritage Mortgage, LLC 338 3.4%
5 Truist Bank 239 2.4%
Compare Navy Federal Credit Union vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Prince William County?
In the 2024 HMDA reporting year, 20,323 mortgage applications were filed in Prince William County, Virginia. Of these, 10,024 were originated (approved and funded), while 3,464 were denied, resulting in a denial rate of 17.0%.
What is the mortgage denial rate in Prince William County?
The mortgage denial rate in Prince William County is 17.0%. The approval (origination) rate is 49.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Prince William County?
The average mortgage loan amount in Prince William County is $384,568. The average interest rate is 7.247%. The average applicant income is $40K.
What is the loan-to-income ratio in Prince William County?
The average loan-to-income ratio in Prince William County is 9.6x, meaning borrowers took on loans averaging 9.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Prince William County?
The top mortgage lenders in Prince William County by origination volume are Navy Federal Credit Union, Rocket Mortgage, United Wholesale Mortgage. In total, 398 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.