Mortgage lending in Northampton County, Virginia
Lenders in Northampton County, Virginia reported 593 mortgage applications for 2025, according to the CFPB.
593 mortgage applications and 321 loans originated in 2025; the denial rate was 21.6% of 439 applications decided. The median loan was about $285,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Northampton County, VA.
- 593
- Applications
- 321
- Loans originated
- 21.6%
- Denial rate
- 95 denied of 439 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 593 | 321 |
| 2024 | 573 | 305 |
| 2023 | 569 | 307 |
| 2022 | 704 | 387 |
| 2021 | 957 | 583 |
| 2020 | 911 | 562 |
| 2019 | 579 | 315 |
| 2018 | 534 | 297 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Atlantic Union Bank | 39 | 59 |
| Rocket Mortgage | 24 | 33 |
| Calvin B. Taylor Banking Company | 18 | 31 |
| United Wholesale Mortgage | 17 | 26 |
| Presidential Bank, FSB | 13 | 20 |
| PNC Bank N.A. | 8 | 18 |
| Navy Federal Credit Union | 7 | 21 |
| Atlantic Bay Mortgage Group | 7 | 11 |
| Truist Bank | 6 | 16 |
| TowneBank | 5 | 6 |
| Prosperity Home Mortgage, LLC | 5 | 6 |
| Crosscountry Mortgage, LLC | 5 | 10 |
| Bank of America NA | 5 | 7 |
| First Horizon Bank | 5 | 8 |
| Pennymac Loan Services LLC | 5 | 12 |
| Capital Center LLC | 4 | 6 |
| Tidewater Mortgage Services, Inc | 4 | 10 |
| C&F Mortgage Corporation | 4 | 4 |
| New American Funding, LLC. | 4 | 9 |
| Pentagon Federal Credit Union | 4 | 6 |
| CMG Mortgage Inc | 4 | 6 |
| Fairway Independent Mort Corp | 4 | 4 |
| Calcon Mutual Mortgage LLC | 4 | 5 |
| Fulton Bank, National Association | 4 | 5 |
| Figure Lending LLC | 3 | 4 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | 67 | no rate: base under 50 |
| White | 404 | 18.4% of 310 decided |
| 2 or more minority races | under 10 | |
| Joint | under 10 | |
| Race Not Available | 107 | 21.4% of 70 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 449 | 20.2% of 341 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 120 | 26.3% of 80 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 178 | 29.7% of 128 decided |
| Female | 127 | 23.5% of 102 decided |
| Joint | 237 | 13.4% of 179 decided |
| Sex Not Available | 51 | no rate: base under 50 |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 388 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved