Williamsburg City
Virginia · FIPS 51830
According to CFPB HMDA 2024 application volume among U.S. counties, Williamsburg City ranks #2,179 of 3,210, and #111 of 133 in Virginia.
Mortgage lending activity in Williamsburg 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. 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Williamsburg City
In Williamsburg City, lead originator Navy Federal Credit Union funded only 6.6% of 181 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 18.2% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Williamsburg City's 393 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Williamsburg City's $275,331 average loan (deduped against volume peers).
Lenders active in Williamsburg City
Navy Federal Credit Union funded 12 of the 181 loans originated in Williamsburg City, 6.6% of the county. 70 lenders reported activity here.
| # | 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% |
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 Williamsburg 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 Williamsburg 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.