Wise County
Virginia · FIPS 51195
According to CFPB HMDA 2024 application volume among U.S. counties, Wise County ranks #1,615 of 3,223, and #77 of 133 in Virginia.
Mortgage lending activity in Wise 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. Wise County, Virginia lenders denied 207 of the applications reported here, financing the rest at an average note rate of 7.59%, with applicants self-reporting average annual income of $37K. 66 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.4x, meaning typical borrowers took on mortgages of about 3.4 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 Wise County
In Wise County, lead originator Eastman Credit Union funded 28.7% of 373 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 45.3% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Wise County's 806 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Wise County's $126,787 average loan (deduped against volume peers).
Lenders active in Wise County
Eastman Credit Union funded 107 of the 373 loans originated in Wise County, 28.7% of the county. 66 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Eastman Credit Union | 107 | 28.7% |
| 2 | Rocket Mortgage | 32 | 8.6% |
| 3 | The First Bank & Trust Company | 30 | 8.0% |
| 4 | Powell Valley National Bank | 22 | 5.9% |
| 5 | Appalachian Community Federal Credit Union | 19 | 5.1% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Wise County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Wise County borrowers. 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.