Manassas City
Virginia · FIPS 51683
According to CFPB HMDA 2024 application volume among U.S. counties, Manassas City ranks #1,122 of 3,223, and #49 of 133 in Virginia.
Mortgage lending activity in Manassas 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. Manassas City, Virginia lenders denied 233 of the applications reported here, financing the rest at an average note rate of 7.11%, with applicants self-reporting average annual income of $39K. 149 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 15.3x, meaning typical borrowers took on mortgages of about 15.3 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 Manassas City
In Manassas City, lead originator Rocket Mortgage funded only 7.8% of 772 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 19.7% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Manassas City's 1,499 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Manassas City's $597,668 average loan (deduped against volume peers).
Lenders active in Manassas City
Rocket Mortgage funded 60 of the 772 loans originated in Manassas City, 7.8% of the county. 149 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rocket Mortgage | 60 | 7.8% |
| 2 | United Wholesale Mortgage | 51 | 6.6% |
| 3 | Navy Federal Credit Union | 41 | 5.3% |
| 4 | Apple Federal Credit Union | 28 | 3.6% |
| 5 | Truist Bank | 26 | 3.4% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Manassas City, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Manassas City 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.