Harrisonburg City
Virginia · FIPS 51660
According to CFPB HMDA 2024 application volume among U.S. counties, Harrisonburg City ranks #1,459 of 3,210, and #69 of 133 in Virginia.
Mortgage lending activity in Harrisonburg 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. Harrisonburg City, Virginia saw 960 HMDA-reported mortgage applications in 2024. Lenders originated 577 of those loans and denied 130, producing a denial rate of 13.5% and an approval (origination) rate of 60.1%. The average loan amount was $261,844 at an average note rate of 7.14%, with applicants self-reporting average annual income of $37K. 103 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.1x, meaning typical borrowers took on mortgages of about 7.1 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 Harrisonburg City
In Harrisonburg City, lead originator Park View Federal Credit Union funded 13.0% of 577 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 33.3% 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 Harrisonburg City's 960 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Harrisonburg City's $261,844 average loan (deduped against volume peers).
Lenders active in Harrisonburg City
Park View Federal Credit Union funded 75 of the 577 loans originated in Harrisonburg City, 13.0% of the county. 103 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Park View Federal Credit Union | 75 | 13.0% |
| 2 | Nvr Mortgage Finance, INC. | 65 | 11.3% |
| 3 | Farmers & Merchants Bank | 52 | 9.0% |
| 4 | Dupont Community Credit Union | 29 | 5.0% |
| 5 | Movement Mortgage, LLC | 27 | 4.7% |
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 Harrisonburg 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 Harrisonburg 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.