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2024 data HMDA 2024 disclosure official source

Manassas City

1,499 mortgage applications, 15.5% denial rate. Verify FIPS 51683 with U.S. Census Bureau →

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Virginia · FIPS 51683

Local mortgage market. Manassas City, Virginia saw 1,499 HMDA-reported mortgage applications in 2024. Lenders originated 772 of those loans and denied 233, producing a denial rate of 15.5% and an approval (origination) rate of 51.5%. The average loan amount was $597,668 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.

FIPS 51683 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,499
Applications
772
Originated
15.5%
Denial Rate
51.5%
Approval Rate
$597,668
Avg Loan Amount
7.11%
Avg Interest Rate
$39K
Avg Applicant Income
15.3x
Loan-to-Income Ratio

Nearby Lenders in Manassas City

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 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%
Compare Rocket Mortgage vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Manassas City?
In the 2024 HMDA reporting year, 1,499 mortgage applications were filed in Manassas City, Virginia. Of these, 772 were originated (approved and funded), while 233 were denied, resulting in a denial rate of 15.5%.
What is the mortgage denial rate in Manassas City?
The mortgage denial rate in Manassas City is 15.5%. The approval (origination) rate is 51.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Manassas City?
The average mortgage loan amount in Manassas City is $597,668. The average interest rate is 7.107%. The average applicant income is $39K.
What is the loan-to-income ratio in Manassas City?
The average loan-to-income ratio in Manassas City is 15.3x, meaning borrowers took on loans averaging 15.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Manassas City?
The top mortgage lenders in Manassas City by origination volume are Rocket Mortgage, United Wholesale Mortgage, Navy Federal Credit Union. In total, 149 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.