Buena Vista City
Virginia · FIPS 51530
According to CFPB HMDA 2024 application volume among U.S. counties, Buena Vista City ranks #2,548 of 3,210, and #125 of 133 in Virginia.
Mortgage lending activity in Buena Vista City, 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. Buena Vista City, Virginia saw 215 HMDA-reported mortgage applications in 2024. Lenders originated 107 of those loans and denied 40, producing a denial rate of 18.6% and an approval (origination) rate of 49.8%. The average loan amount was $146,907 at an average note rate of 6.97%, with applicants self-reporting average annual income of $37K. 42 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.0x, meaning typical borrowers took on mortgages of about 4.0 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Buena Vista City
In Buena Vista City, lead originator Atlantic Union Bank funded only 9.3% of 107 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 26.2% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Buena Vista City's 215 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Buena Vista City's $146,907 average loan (deduped against volume peers).
Lenders active in Buena Vista City
Atlantic Union Bank funded 10 of the 107 loans originated in Buena Vista City, 9.3% of the county. 42 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Atlantic Union Bank | 10 | 9.3% |
| 2 | ALCOVA Mortgage, LLC | 9 | 8.4% |
| 3 | City National Bank of WV | 9 | 8.4% |
| 4 | Atlantic Bay Mortgage Group | 8 | 7.5% |
| 5 | Rocket Mortgage | 8 | 7.5% |
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 Buena Vista City 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 Buena Vista City 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.