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2024 data HMDA 2024 disclosure official source

Pulaski County

1,305 mortgage applications, 18.5% denial rate. Verify FIPS 51155 with U.S. Census Bureau →

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Virginia · FIPS 51155

Local mortgage market. Pulaski County, Virginia saw 1,305 HMDA-reported mortgage applications in 2024. Lenders originated 680 of those loans and denied 242, producing a denial rate of 18.5% and an approval (origination) rate of 52.1%. The average loan amount was $169,092 at an average note rate of 7.31%, with applicants self-reporting average annual income of $35K. 101 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.8x, meaning typical borrowers took on mortgages of about 4.8 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 51155 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,305
Applications
680
Originated
18.5%
Denial Rate
52.1%
Approval Rate
$169,092
Avg Loan Amount
7.31%
Avg Interest Rate
$35K
Avg Applicant Income
4.8x
Loan-to-Income Ratio

Nearby Lenders in Pulaski 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 Truliant Federal Credit Union 66 9.7%
2 Atlantic Bay Mortgage Group 51 7.5%
3 Atlantic Union Bank 51 7.5%
4 ALCOVA Mortgage, LLC 48 7.1%
5 Rocket Mortgage 39 5.7%
Compare Truliant Federal Credit Union vs Atlantic Bay Mortgage Group →

Frequently Asked Questions

How many mortgage applications were filed in Pulaski County?
In the 2024 HMDA reporting year, 1,305 mortgage applications were filed in Pulaski County, Virginia. Of these, 680 were originated (approved and funded), while 242 were denied, resulting in a denial rate of 18.5%.
What is the mortgage denial rate in Pulaski County?
The mortgage denial rate in Pulaski County is 18.5%. The approval (origination) rate is 52.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Pulaski County?
The average mortgage loan amount in Pulaski County is $169,092. The average interest rate is 7.309%. The average applicant income is $35K.
What is the loan-to-income ratio in Pulaski County?
The average loan-to-income ratio in Pulaski County is 4.8x, meaning borrowers took on loans averaging 4.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Pulaski County?
The top mortgage lenders in Pulaski County by origination volume are Truliant Federal Credit Union, Atlantic Bay Mortgage Group, Atlantic Union Bank. In total, 101 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.