Stafford County
Virginia · FIPS 51179
According to CFPB HMDA 2024 application volume among U.S. counties, Stafford County ranks #327 of 3,210, and #9 of 133 in Virginia.
Mortgage lending activity in Stafford 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. Stafford County, Virginia saw 8,664 HMDA-reported mortgage applications in 2024. Lenders originated 4,319 of those loans and denied 1,416, producing a denial rate of 16.3% and an approval (origination) rate of 49.8%. The average loan amount was $370,482 at an average note rate of 7.24%, with applicants self-reporting average annual income of $39K. 278 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 9.5x, meaning typical borrowers took on mortgages of about 9.5 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 Stafford County
In Stafford County, lead originator Navy Federal Credit Union funded 11.1% of 4,319 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 24.5% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Stafford County's 8,664 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Stafford County's $370,482 average loan (deduped against volume peers).
Lenders active in Stafford County
Navy Federal Credit Union funded 478 of the 4,319 loans originated in Stafford County, 11.1% of the county. 278 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Navy Federal Credit Union | 478 | 11.1% |
| 2 | Rocket Mortgage | 326 | 7.5% |
| 3 | United Wholesale Mortgage | 253 | 5.9% |
| 4 | Nvr Mortgage Finance, INC. | 153 | 3.5% |
| 5 | Atlantic Coast Mortgage, LLC | 148 | 3.4% |
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 Stafford 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 Stafford 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.