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Hampton city, Virginia · 2025

Mortgage lenders in Hampton city, VA: denial rates and top lenders (2025)

285 lenders acted on 6,636 mortgage applications for properties in Hampton city in 2025. 16.1% were denied (Virginia: 15.9%). Median rate on closed loans 6.60%; median loan $225,000; median property value $295,000.

6.6kApplications
16.1%Denial ratestate 15.9%
6.60%Median ratestate 6.63%
$225,000Median loan
$295,000Median property value

Largest lenders in Hampton city

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 LANGLEY Federal Credit Union C 474340 20.9%6.99%
2 Mortgage Research Center C 464269 15.5%6.25%
3 United Shore Financial Services B 393268 11.2%6.00%
4 Navy Federal Credit Union D 389174 22.6%7.75%
5 Rocket Mortgage C 334239 18.9%6.25%
6 American Neighborhood Mortgage Acceptance Company B 304218 4.9%6.50%
7 Newport News Shipbuilding Employees Credit Union, Inc. DBA Bayport Credit Union C 281173 13.5%7.49%
8 Freedom Mortgage B 250113 6.8%6.25%
9 Pennymac Loan Services C 20394 10.3%6.00%
10 Atlantic Bay Mortgage Group A 197153 2.5%6.50%
11 Movement Mortgage A 185123 4.3%6.75%
12 Newrez D 13749 10.2%6.25%
13 1st Advantage Federal Credit Union B 9552 34.7%6.74%
14 Truist Bank C 9244 34.8%7.49%
15 New Day Financial F 8723 28.7%6.88%
16 Tidewater Mortgage Services C 8563 5.9%6.50%
17 Southern Trust Mortgage B 8257 2.4%6.50%
18 Kiavi Funding D 7638 7.9%10.20%
19 Towne Bank B 7154 8.5%6.63%
20 Village Capital & Investment C 6523 18.5%5.75%
21 Broker Solutions D 6213 22.6%6.88%
22 Loandepot.Com D 6133 23.0%6.38%
23 Bank of America F 5815 50.0%6.24%
24 Coastal Community Bank C 5510 3.6%11.99%
25 Vanderbilt Mortgage and Finance F 542 48.2%11.60%

Best approval odds in Hampton city

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Atlantic Bay Mortgage Group1593.1%
2Southern Trust Mortgage593.4%
3Movement Mortgage1624.9%
4American Neighborhood Mortgage Acceptance Company2356.4%
5Tidewater Mortgage Services687.4%
6Towne Bank629.7%
7Freedom Mortgage15211.2%
8United Shore Financial Services32613.5%
9Pennymac Loan Services12317.1%
10Newport News Shipbuilding Employees Credit Union, Inc. DBA Bayport Credit Union21917.4%

What Hampton city borrowers applied for

By loan purpose

Home purchase 2,687 40% · 7.7% denied
Refinance 1,309 20% · 11.7% denied
Cash-out refinance 1,297 20% · 24.0% denied
Home improvement 683 10% · 30.8% denied
Other / HELOC 660 10% · 28.0% denied

By loan type

Conventional 3,313 50% · 20.1% denied
FHA 962 14% · 14.9% denied
VA 2,360 36% · 10.9% denied
USDA / RHS 1 0% · 0.0% denied

Why applications were denied

Credit history 338 32%
Debt-to-income ratio 262 25%
Other 145 14%
Incomplete application 119 11%
Collateral 116 11%
Unverifiable information 50 5%
Insufficient cash 27 3%
Employment history 6 1%

Hampton city by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20235,4723,09718.6%6.88%$195,000
20246,0343,49316.7%6.75%$215,000
20256,6363,80116.1%6.60%$225,000

Frequently asked questions

16.1% of applications in Hampton city were denied in 2025, against 15.9% statewide in Virginia.

LANGLEY Federal Credit Union, with 474 applications in 2025 and a denial rate of 20.9%.

The median mortgage application in Hampton city in 2025 was for $225,000; the median property value on originated loans was $295,000.