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2024 data HMDA 2024 disclosure official source

Williamsburg City

393 mortgage applications, 20.9% denial rate. Verify FIPS 51830 with U.S. Census Bureau →

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Virginia · FIPS 51830

Local mortgage market. Williamsburg City, Virginia saw 393 HMDA-reported mortgage applications in 2024. Lenders originated 181 of those loans and denied 82, producing a denial rate of 20.9% and an approval (origination) rate of 46.1%. The average loan amount was $275,331 at an average note rate of 7.12%, with applicants self-reporting average annual income of $37K. 70 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 7.4x, meaning typical borrowers took on mortgages of about 7.4 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 51830 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

393
Applications
181
Originated
20.9%
Denial Rate
46.1%
Approval Rate
$275,331
Avg Loan Amount
7.12%
Avg Interest Rate
$37K
Avg Applicant Income
7.4x
Loan-to-Income Ratio

Nearby Lenders in Williamsburg 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 Navy Federal Credit Union 12 6.6%
2 Atlantic Bay Mortgage Group 11 6.1%
3 Prosperity Home Mortgage, LLC 10 5.5%
4 TowneBank 8 4.4%
5 1st Advantage Federal Credit U 7 3.9%
Compare Navy Federal Credit Union vs Atlantic Bay Mortgage Group →

Frequently Asked Questions

How many mortgage applications were filed in Williamsburg City?
In the 2024 HMDA reporting year, 393 mortgage applications were filed in Williamsburg City, Virginia. Of these, 181 were originated (approved and funded), while 82 were denied, resulting in a denial rate of 20.9%.
What is the mortgage denial rate in Williamsburg City?
The mortgage denial rate in Williamsburg City is 20.9%. The approval (origination) rate is 46.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Williamsburg City?
The average mortgage loan amount in Williamsburg City is $275,331. The average interest rate is 7.119%. The average applicant income is $37K.
What is the loan-to-income ratio in Williamsburg City?
The average loan-to-income ratio in Williamsburg City is 7.4x, meaning borrowers took on loans averaging 7.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Williamsburg City?
The top mortgage lenders in Williamsburg City by origination volume are Navy Federal Credit Union, Atlantic Bay Mortgage Group, Prosperity Home Mortgage, LLC. In total, 70 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.