Mortgage lending in Northumberland County, Virginia
Lenders in Northumberland County, Virginia reported 798 mortgage applications for 2025, according to the CFPB.
798 mortgage applications and 415 loans originated in 2025; the denial rate was 24.2% of 583 applications decided. The median loan was about $245,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the low-income housing hub: Northumberland County, VA.
- 798
- Applications
- 415
- Loans originated
- 24.2%
- Denial rate
- 141 denied of 583 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 798 | 415 |
| 2024 | 670 | 374 |
| 2023 | 611 | 338 |
| 2022 | 787 | 493 |
| 2021 | 1,283 | 826 |
| 2020 | 1,317 | 862 |
| 2019 | 710 | 431 |
| 2018 | 630 | 344 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 43 | 64 |
| Primis Bank | 39 | 52 |
| United Bank VA | 23 | 34 |
| C&F Mortgage Corporation | 17 | 21 |
| Atlantic Union Bank | 17 | 27 |
| Capital Center LLC | 11 | 17 |
| Navy Federal Credit Union | 11 | 31 |
| United Wholesale Mortgage | 11 | 19 |
| Freedom Mortgage Corporation | 10 | 20 |
| TowneBank | 9 | 12 |
| Truist Bank | 9 | 17 |
| American Financial Resources LLC | 7 | 9 |
| Atlantic Bay Mortgage Group | 7 | 7 |
| Chesapeake Bank | 6 | 16 |
| Atlantic Coast Mortgage, LLC | 6 | 9 |
| Wells Fargo Bank NA | 6 | 7 |
| Pennymac Loan Services LLC | 6 | 17 |
| Movement Mortgage, LLC | 5 | 12 |
| Newrez LLC | 5 | 13 |
| NFM, Inc | 5 | 9 |
| Bank of America NA | 5 | 9 |
| American Financial Network, Inc. | 4 | 4 |
| Virginia Federal Credit Union | 4 | 9 |
| Guild Mortgage Company | 4 | 5 |
| Mortgage Research Center | 4 | 14 |
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 | 142 | 41.9% of 86 decided |
| White | 496 | 18.8% of 389 decided |
| 2 or more minority races | under 10 | |
| Joint | 13 | no rate: base under 50 |
| Race Not Available | 134 | 31.5% of 89 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 636 | 22.5% of 480 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 138 | 33.7% of 86 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 231 | 24.2% of 157 decided |
| Female | 216 | 28.7% of 157 decided |
| Joint | 282 | 17.2% of 221 decided |
| Sex Not Available | 69 | 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. 643 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