Virginia · HMDA 2025
Mortgage lenders in Northampton County, VA
141 lenders reported 664 home-loan applications in Northampton County in 2025. 321 closed as loans ($111.5M), 95 were denied — a 21.6% denial rate on decided applications, above the Virginia rate of 20.2%. The three most active lenders handled 19% of applications, led by Atlantic Union Bank. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 664
- Loans originated
- 321
- Purchase / refinance
- 175 / 85
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Northampton County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Atlantic Union Bank 73 out of 100, Strong | 59 | 8.9% | 23.3% |
| 2 | Rocket Mortgage, LLC | 33 | 5.0% | — |
| 3 | Calvin B. Taylor Banking Company of Berlin, Maryland 81 out of 100, Strong | 31 | 4.7% | 16.9% |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 27 | 4.1% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 25 | 3.8% | — |
| 6 | VANDERBILT MORTGAGE AND FINANCE, INC. | 22 | 3.3% | — |
| 7 | Navy Federal Credit Union 66 out of 100, Moderate | 21 | 3.2% | 32.9% |
| 8 | NEWREZ LLC | 20 | 3.0% | — |
| 9 | Presidential Bank, FSB 51 out of 100, Below average | 20 | 3.0% | 6.9% |
| 10 | Truist Bank 63 out of 100, Moderate | 18 | 2.7% | 40.8% |
| 11 | PNC Bank, National Association 62 out of 100, Moderate | 18 | 2.7% | 33.8% |
| 12 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 11 | 1.7% | 14.1% |
| 13 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 11 | 1.7% | — |
| 14 | CROSSCOUNTRY MORTGAGE, INC. | 10 | 1.5% | — |
| 15 | TIDEWATER MORTGAGE SERVICES, INC. | 10 | 1.5% | — |
| 16 | NEW DAY FINANCIAL, LLC | 10 | 1.5% | — |
| 17 | Coastal Community Bank 35 out of 100, Low | 10 | 1.5% | 3.0% |
| 18 | Broker Solutions, Inc. | 9 | 1.4% | — |
| 19 | Bank of America, National Association 59 out of 100, Moderate | 8 | 1.2% | 44.7% |
| 20 | FIGURE LENDING LLC | 8 | 1.2% | — |
| 21 | SOUTHERN TRUST MORTGAGE, LLC | 8 | 1.2% | — |
| 22 | FREEDOM MORTGAGE CORPORATION | 8 | 1.2% | — |
| 23 | First Horizon Bank 64 out of 100, Moderate | 8 | 1.2% | 25.4% |
| 24 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 7 | 1.1% | 22.2% |
| 25 | AMERIHOME MORTGAGE COMPANY, LLC | 7 | 1.1% | — |
| 26 | CMG MORTGAGE, INC. | 6 | 0.9% | — |
| 27 | MOVEMENT MORTGAGE, LLC | 6 | 0.9% | — |
| 28 | Towne Bank 74 out of 100, Strong | 6 | 0.9% | 6.6% |
| 29 | Prosperity Home Mortgage, LLC | 6 | 0.9% | — |
| 30 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 6 | 0.9% | 45.9% |
| 31 | CAPITAL CENTER, L.L.C. | 6 | 0.9% | — |
| 32 | U.S. Bank National Association 55 out of 100, Moderate | 5 | 0.8% | 39.5% |
| 33 | GUARANTEED RATE AFFINITY, LLC | 5 | 0.8% | — |
| 34 | AMERICAN FINANCIAL RESOURCES, INC. | 5 | 0.8% | — |
| 35 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 5 | 0.8% | — |
| 36 | CALCON MUTUAL MORTGAGE LLC | 5 | 0.8% | — |
| 37 | Fulton Bank, National Association 65 out of 100, Moderate | 5 | 0.8% | 23.0% |
| 38 | Citizens Bank, National Association 54 out of 100, Below average | 4 | 0.6% | 32.5% |
| 39 | Fairway Independent Mortgage Corporation | 4 | 0.6% | — |
| 40 | Loandepot.Com, LLC | 4 | 0.6% | — |
Top 40 of 141 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Virginia
- Fairfax County 40,597 apps
- Virginia Beach city 23,030 apps
- Prince William County 22,278 apps
- Loudoun County 22,017 apps
- Chesterfield County 20,714 apps
- Henrico County 15,494 apps
- Chesapeake city 14,973 apps
- Norfolk city 10,756 apps
- Spotsylvania County 9,422 apps
- Stafford County 9,411 apps
- Richmond city 7,953 apps
- Newport News city 7,787 apps