Waynesboro City
Virginia · FIPS 51820
According to CFPB HMDA 2024 application volume among U.S. counties, Waynesboro City ranks #1,321 of 3,223, and #62 of 133 in Virginia.
Mortgage lending activity in Waynesboro 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. Waynesboro City, Virginia lenders denied 147 of the applications reported here, financing the rest at an average note rate of 7.22%, with applicants self-reporting average annual income of $38K. 106 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.9x, meaning typical borrowers took on mortgages of about 5.9 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 Waynesboro City
In Waynesboro City, lead originator Dupont Community Credit Union funded 15.9% of 628 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 28.0% 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 Waynesboro City's 1,137 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Waynesboro City's $224,595 average loan (deduped against volume peers).
Lenders active in Waynesboro City
Dupont Community Credit Union funded 100 of the 628 loans originated in Waynesboro City, 15.9% of the county. 106 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Dupont Community Credit Union | 100 | 15.9% |
| 2 | Rocket Mortgage | 40 | 6.4% |
| 3 | Cmg Mortgage INC | 36 | 5.7% |
| 4 | Uva Community Credit Union | 33 | 5.3% |
| 5 | City National Bank of WV | 29 | 4.6% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Waynesboro 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 Waynesboro 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.