Tazewell County
Virginia · FIPS 51185
According to CFPB HMDA 2024 application volume among U.S. counties, Tazewell County ranks #1,524 of 3,210, and #72 of 133 in Virginia.
Mortgage lending activity in Tazewell 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. Tazewell County, Virginia saw 894 HMDA-reported mortgage applications in 2024. Lenders originated 392 of those loans and denied 214, producing a denial rate of 23.9% and an approval (origination) rate of 43.8%. The average loan amount was $133,613 at an average note rate of 7.32%, with applicants self-reporting average annual income of $36K. 72 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.7x, meaning typical borrowers took on mortgages of about 3.7 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 Tazewell County
In Tazewell County, lead originator Atlantic Union Bank funded 15.1% of 392 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 35.7% 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 Tazewell County's 894 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Tazewell County's $133,613 average loan (deduped against volume peers).
Lenders active in Tazewell County
Atlantic Union Bank funded 59 of the 392 loans originated in Tazewell County, 15.1% of the county. 72 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Atlantic Union Bank | 59 | 15.1% |
| 2 | Movement Mortgage, LLC | 49 | 12.5% |
| 3 | Rocket Mortgage | 32 | 8.2% |
| 4 | National Bank of Blacksburg | 22 | 5.6% |
| 5 | First Sentinel Bank | 18 | 4.6% |
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 Tazewell 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 Tazewell 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.