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2024 data HMDA 2024 disclosure official source

Northampton County

638 mortgage applications, 17.7% denial rate. Verify FIPS 51131 with U.S. Census Bureau →

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Virginia · FIPS 51131

Local mortgage market. Northampton County, Virginia saw 638 HMDA-reported mortgage applications in 2024. Lenders originated 305 of those loans and denied 113, producing a denial rate of 17.7% and an approval (origination) rate of 47.8%. The average loan amount was $319,326 at an average note rate of 7.38%, with applicants self-reporting average annual income of $36K. 105 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 8.9x, meaning typical borrowers took on mortgages of about 8.9 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 51131 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

638
Applications
305
Originated
17.7%
Denial Rate
47.8%
Approval Rate
$319,326
Avg Loan Amount
7.38%
Avg Interest Rate
$36K
Avg Applicant Income
8.9x
Loan-to-Income Ratio

Nearby Lenders in Northampton 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 Atlantic Union Bank 32 10.5%
2 Rocket Mortgage 25 8.2%
3 Calvin B. Taylor Banking Company 20 6.6%
4 Atlantic Bay Mortgage Group 19 6.2%
5 The Old Point National Bank of Phoebus 13 4.3%
Compare Atlantic Union Bank vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Northampton County?
In the 2024 HMDA reporting year, 638 mortgage applications were filed in Northampton County, Virginia. Of these, 305 were originated (approved and funded), while 113 were denied, resulting in a denial rate of 17.7%.
What is the mortgage denial rate in Northampton County?
The mortgage denial rate in Northampton County is 17.7%. The approval (origination) rate is 47.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Northampton County?
The average mortgage loan amount in Northampton County is $319,326. The average interest rate is 7.378%. The average applicant income is $36K.
What is the loan-to-income ratio in Northampton County?
The average loan-to-income ratio in Northampton County is 8.9x, meaning borrowers took on loans averaging 8.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Northampton County?
The top mortgage lenders in Northampton County by origination volume are Atlantic Union Bank, Rocket Mortgage, Calvin B. Taylor Banking Company. In total, 105 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.