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2024 data HMDA 2024 disclosure official source

Hampton City

6,814 mortgage applications, 14.8% denial rate. Verify FIPS 51650 with U.S. Census Bureau →

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Virginia · FIPS 51650

Local mortgage market. Hampton City, Virginia saw 6,814 HMDA-reported mortgage applications in 2024. Lenders originated 3,491 of those loans and denied 1,007, producing a denial rate of 14.8% and an approval (origination) rate of 51.2%. The average loan amount was $224,558 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.

FIPS 51650 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

6,814
Applications
3,491
Originated
14.8%
Denial Rate
51.2%
Approval Rate
$224,558
Avg Loan Amount
7.05%
Avg Interest Rate
$39K
Avg Applicant Income
5.8x
Loan-to-Income Ratio

Nearby Lenders in Hampton City

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 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%
Compare Langley Federal Credit Union vs Mortgage Research Center →

Frequently Asked Questions

How many mortgage applications were filed in Hampton City?
In the 2024 HMDA reporting year, 6,814 mortgage applications were filed in Hampton City, Virginia. Of these, 3,491 were originated (approved and funded), while 1,007 were denied, resulting in a denial rate of 14.8%.
What is the mortgage denial rate in Hampton City?
The mortgage denial rate in Hampton City is 14.8%. The approval (origination) rate is 51.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Hampton City?
The average mortgage loan amount in Hampton City is $224,558. The average interest rate is 7.055%. The average applicant income is $39K.
What is the loan-to-income ratio in Hampton City?
The average loan-to-income ratio in Hampton City is 5.8x, meaning borrowers took on loans averaging 5.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Hampton City?
The top mortgage lenders in Hampton City by origination volume are Langley Federal Credit Union, Mortgage Research Center, United Wholesale Mortgage. In total, 209 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.