Wythe County
Virginia · FIPS 51197
According to CFPB HMDA 2024 application volume among U.S. counties, Wythe County ranks #1,417 of 3,210, and #65 of 133 in Virginia.
Mortgage lending activity in Wythe 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. Wythe County, Virginia saw 1,013 HMDA-reported mortgage applications in 2024. Lenders originated 524 of those loans and denied 239, producing a denial rate of 23.6% and an approval (origination) rate of 51.7%. The average loan amount was $149,857 at an average note rate of 7.48%, with applicants self-reporting average annual income of $37K. 85 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.1x, meaning typical borrowers took on mortgages of about 4.1 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 Wythe County
In Wythe County, lead originator Truliant Federal Credit Union funded 16.4% of 524 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 34.5% 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 Wythe County's 1,013 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Wythe County's $149,857 average loan (deduped against volume peers).
Lenders active in Wythe County
Truliant Federal Credit Union funded 86 of the 524 loans originated in Wythe County, 16.4% of the county. 85 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Truliant Federal Credit Union | 86 | 16.4% |
| 2 | Atlantic Bay Mortgage Group | 48 | 9.2% |
| 3 | The Bank of Marion | 47 | 9.0% |
| 4 | Rocket Mortgage | 29 | 5.5% |
| 5 | Renasant Bank | 27 | 5.2% |
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 Wythe 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 Wythe 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.