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2024 data HMDA 2024 disclosure official source

Warren County

2,263 mortgage applications, 15.6% denial rate. Verify FIPS 51187 with U.S. Census Bureau →

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Virginia · FIPS 51187

Local mortgage market. Warren County, Virginia saw 2,263 HMDA-reported mortgage applications in 2024. Lenders originated 1,168 of those loans and denied 352, producing a denial rate of 15.6% and an approval (origination) rate of 51.6%. The average loan amount was $264,183 at an average note rate of 7.30%, with applicants self-reporting average annual income of $38K. 187 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 7.0x, meaning typical borrowers took on mortgages of about 7.0 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 51187 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,263
Applications
1,168
Originated
15.6%
Denial Rate
51.6%
Approval Rate
$264,183
Avg Loan Amount
7.30%
Avg Interest Rate
$38K
Avg Applicant Income
7.0x
Loan-to-Income Ratio

Nearby Lenders in Warren 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 Rocket Mortgage 98 8.4%
2 Navy Federal Credit Union 74 6.3%
3 United Wholesale Mortgage 44 3.8%
4 Truist Bank 37 3.2%
5 Atlantic Coast Mortgage, LLC 31 2.7%
Compare Rocket Mortgage vs Navy Federal Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Warren County?
In the 2024 HMDA reporting year, 2,263 mortgage applications were filed in Warren County, Virginia. Of these, 1,168 were originated (approved and funded), while 352 were denied, resulting in a denial rate of 15.6%.
What is the mortgage denial rate in Warren County?
The mortgage denial rate in Warren County is 15.6%. The approval (origination) rate is 51.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Warren County?
The average mortgage loan amount in Warren County is $264,183. The average interest rate is 7.296%. The average applicant income is $38K.
What is the loan-to-income ratio in Warren County?
The average loan-to-income ratio in Warren County is 7.0x, meaning borrowers took on loans averaging 7.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Warren County?
The top mortgage lenders in Warren County by origination volume are Rocket Mortgage, Navy Federal Credit Union, United Wholesale Mortgage. In total, 187 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.