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2024 data HMDA 2024 disclosure official source

York County

2,928 mortgage applications, 11.7% denial rate. Verify FIPS 51199 with U.S. Census Bureau →

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Virginia · FIPS 51199

Local mortgage market. York County, Virginia saw 2,928 HMDA-reported mortgage applications in 2024. Lenders originated 1,653 of those loans and denied 342, producing a denial rate of 11.7% and an approval (origination) rate of 56.5%. The average loan amount was $303,907 at an average note rate of 7.03%, with applicants self-reporting average annual income of $37K. 168 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 8.2x, meaning typical borrowers took on mortgages of about 8.2 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 51199 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,928
Applications
1,653
Originated
11.7%
Denial Rate
56.5%
Approval Rate
$303,907
Avg Loan Amount
7.03%
Avg Interest Rate
$37K
Avg Applicant Income
8.2x
Loan-to-Income Ratio

Nearby Lenders in York 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 Langley Federal Credit Union 196 11.9%
2 BayPort Credit Union 129 7.8%
3 Atlantic Bay Mortgage Group 92 5.6%
4 Rocket Mortgage 88 5.3%
5 Navy Federal Credit Union 86 5.2%
Compare Langley Federal Credit Union vs BayPort Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in York County?
In the 2024 HMDA reporting year, 2,928 mortgage applications were filed in York County, Virginia. Of these, 1,653 were originated (approved and funded), while 342 were denied, resulting in a denial rate of 11.7%.
What is the mortgage denial rate in York County?
The mortgage denial rate in York County is 11.7%. The approval (origination) rate is 56.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in York County?
The average mortgage loan amount in York County is $303,907. The average interest rate is 7.030%. The average applicant income is $37K.
What is the loan-to-income ratio in York County?
The average loan-to-income ratio in York County is 8.2x, meaning borrowers took on loans averaging 8.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in York County?
The top mortgage lenders in York County by origination volume are Langley Federal Credit Union, BayPort Credit Union, Atlantic Bay Mortgage Group. In total, 168 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.