Manassas Park City
Virginia · FIPS 51685
According to CFPB HMDA 2024 application volume among U.S. counties, Manassas Park City ranks #1,630 of 3,210, and #79 of 133 in Virginia.
Mortgage lending activity in Manassas Park 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 Park City, Virginia saw 774 HMDA-reported mortgage applications in 2024. Lenders originated 355 of those loans and denied 128, producing a denial rate of 16.5% and an approval (origination) rate of 45.9%. The average loan amount was $413,811 at an average note rate of 6.93%, with applicants self-reporting average annual income of $41K. 100 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 10.1x, meaning typical borrowers took on mortgages of about 10.1 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 Manassas Park City
In Manassas Park City, lead originator First Heritage Mortgage, LLC funded 19.7% of 355 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 31.5% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Manassas Park City's 774 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Manassas Park City's $413,811 average loan (deduped against volume peers).
Lenders active in Manassas Park City
First Heritage Mortgage, LLC funded 70 of the 355 loans originated in Manassas Park City, 19.7% of the county. 100 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | First Heritage Mortgage, LLC | 70 | 19.7% |
| 2 | Rocket Mortgage | 22 | 6.2% |
| 3 | United Wholesale Mortgage | 20 | 5.6% |
| 4 | Apple Federal Credit Union | 18 | 5.1% |
| 5 | Navy Federal Credit Union | 13 | 3.7% |
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 Manassas Park 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 Manassas Park 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.