Mortgage lending in Southampton County, Virginia
Lenders in Southampton County, Virginia reported 664 mortgage applications for 2025, according to the CFPB.
664 mortgage applications and 381 loans originated in 2025; the denial rate was 24.2% of 533 applications decided. The median loan was about $215,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the low-income housing hub: Southampton County-Franklin city, VA HUD Nonmetro FMR Area.
- 664
- Applications
- 381
- Loans originated
- 24.2%
- Denial rate
- 129 denied of 533 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 664 | 381 |
| 2024 | 623 | 353 |
| 2023 | 546 | 306 |
| 2022 | 670 | 382 |
| 2021 | 1,051 | 648 |
| 2020 | 827 | 526 |
| 2019 | 601 | 343 |
| 2018 | 594 | 318 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Bronco Federal Credit Union | 52 | 65 |
| Rocket Mortgage | 29 | 46 |
| American Neighborhood Mortgage Acceptance Company | 22 | 25 |
| Mortgage Research Center | 18 | 34 |
| United Wholesale Mortgage | 16 | 27 |
| TowneBank | 13 | 18 |
| Atlantic Bay Mortgage Group | 12 | 15 |
| Movement Mortgage, LLC | 10 | 13 |
| Towne Mortgage Company | 10 | 11 |
| DHI Mortgage Company, LTD. | 9 | 11 |
| C&F Mortgage Corporation | 9 | 9 |
| Southern Trust Mortgage, LLC | 9 | 13 |
| Navy Federal Credit Union | 8 | 24 |
| Newrez LLC | 8 | 14 |
| Primis Bank | 8 | 11 |
| Pennymac Loan Services LLC | 8 | 12 |
| Freedom Mortgage Corporation | 7 | 21 |
| Crosscountry Mortgage, LLC | 7 | 14 |
| Langley Federal Credit Union | 5 | 10 |
| Virginia Federal Credit Union | 4 | 6 |
| Valon Mortgage | 4 | 4 |
| Village Capital & Investment | 4 | 6 |
| Truist Bank | 4 | 10 |
| Southern Bank and Trust Company | 3 | 3 |
| HomeBridge Financial Services, Inc | 3 | 3 |
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 | 100 | 41.0% of 78 decided |
| White | 442 | 19.8% of 363 decided |
| 2 or more minority races | under 10 | |
| Joint | 10 | no rate: base under 50 |
| Race Not Available | 98 | 24.4% of 78 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 538 | 23.1% of 441 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 100 | 28.0% of 75 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 275 | 23.4% of 218 decided |
| Female | 140 | 28.4% of 116 decided |
| Joint | 202 | 22.3% of 166 decided |
| Sex Not Available | 47 | 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. 955 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