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2024 data HMDA 2024 disclosure official source

Greenbrier County

975 mortgage applications, 23.1% denial rate. Verify FIPS 54025 with U.S. Census Bureau →

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West Virginia · FIPS 54025

Local mortgage market. Greenbrier County, West Virginia saw 975 HMDA-reported mortgage applications in 2024. Lenders originated 471 of those loans and denied 225, producing a denial rate of 23.1% and an approval (origination) rate of 48.3%. The average loan amount was $168,333 at an average note rate of 7.12%, with applicants self-reporting average annual income of $36K. 70 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.7x, meaning typical borrowers took on mortgages of about 4.7 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 54025 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

975
Applications
471
Originated
23.1%
Denial Rate
48.3%
Approval Rate
$168,333
Avg Loan Amount
7.12%
Avg Interest Rate
$36K
Avg Applicant Income
4.7x
Loan-to-Income Ratio

Nearby Lenders in Greenbrier County

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 City National Bank of WV 111 23.6%
2 ALCOVA Mortgage, LLC 68 14.4%
3 Peoples Bank 55 11.7%
4 Rocket Mortgage 38 8.1%
5 Truist Bank 23 4.9%
Compare City National Bank of WV vs ALCOVA Mortgage, LLC →

Frequently Asked Questions

How many mortgage applications were filed in Greenbrier County?
In the 2024 HMDA reporting year, 975 mortgage applications were filed in Greenbrier County, West Virginia. Of these, 471 were originated (approved and funded), while 225 were denied, resulting in a denial rate of 23.1%.
What is the mortgage denial rate in Greenbrier County?
The mortgage denial rate in Greenbrier County is 23.1%. The approval (origination) rate is 48.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Greenbrier County?
The average mortgage loan amount in Greenbrier County is $168,333. The average interest rate is 7.118%. The average applicant income is $36K.
What is the loan-to-income ratio in Greenbrier County?
The average loan-to-income ratio in Greenbrier County is 4.7x, meaning borrowers took on loans averaging 4.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Greenbrier County?
The top mortgage lenders in Greenbrier County by origination volume are City National Bank of WV, ALCOVA Mortgage, LLC, Peoples Bank. 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.