Hampton City
Virginia · FIPS 51650
According to CFPB HMDA 2024 application volume among U.S. counties, Hampton City ranks #405 of 3,223, and #13 of 133 in Virginia.
Mortgage lending activity in Hampton City, Virginia based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Hampton City, Virginia lenders denied 1,007 of the applications reported here, financing the rest at an average note rate of 7.05%, with applicants self-reporting average annual income of $39K. 209 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.8x, meaning typical borrowers took on mortgages of about 5.8 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Hampton City
In Hampton City, lead originator Langley Federal Credit Union funded only 8.2% of 3,491 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 20.9% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Hampton City's 6,814 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Hampton City's $224,558 average loan (deduped against volume peers).
Lenders active in Hampton City
Langley Federal Credit Union funded 286 of the 3,491 loans originated in Hampton City, 8.2% of the county. 209 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Langley Federal Credit Union | 286 | 8.2% |
| 2 | Mortgage Research Center | 244 | 7.0% |
| 3 | United Wholesale Mortgage | 200 | 5.7% |
| 4 | BayPort Credit Union | 196 | 5.6% |
| 5 | American Neighborhood Mortgage Acceptance Company | 194 | 5.6% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Hampton City, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Hampton City borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.