Pulaski County
Virginia · FIPS 51155
According to CFPB HMDA 2024 application volume among U.S. counties, Pulaski County ranks #1,225 of 3,210, and #56 of 133 in Virginia.
Mortgage lending activity in Pulaski 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. 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Pulaski County
In Pulaski County, lead originator Truliant Federal Credit Union funded only 9.7% of 680 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 24.7% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Pulaski County's 1,305 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Pulaski County's $169,092 average loan (deduped against volume peers).
Lenders active in Pulaski County
Truliant Federal Credit Union funded 66 of the 680 loans originated in Pulaski County, 9.7% of the county. 101 lenders reported activity here.
| # | 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% |
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 Pulaski 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 Pulaski 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.