Largest lenders in Northampton County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Atlantic Union Bank | C | 59 | 39 | 17.0% | 7.13% |
| 2 | Rocket Mortgage | C | 33 | 24 | 18.2% | 6.63% |
| 3 | Calvin B. Taylor Banking Company of Berlin, Maryland | C | 31 | 18 | 9.7% | 6.07% |
| 4 | United Shore Financial Services | B | 26 | 17 | 15.4% | 6.48% |
| 5 | Vanderbilt Mortgage and Finance | F | 22 | 1 | 54.6% | 9.75% |
| 6 | Navy Federal Credit Union | D | 21 | 7 | 33.3% | 7.50% |
| 7 | Presidential Bank | B | 20 | 13 | 10.0% | 6.38% |
| 8 | PNC Bank | D | 18 | 8 | 38.9% | 8.44% |
| 9 | Truist Bank | C | 16 | 6 | 31.3% | 9.25% |
| 10 | Newrez | D | 13 | 3 | 7.7% | 5.99% |
| 11 | Pennymac Loan Services | C | 12 | 5 | 8.3% | 7.63% |
| 12 | Atlantic Bay Mortgage Group | A | 11 | 7 | 0.0% | 7.25% |
| 13 | Crosscountry Mortgage | B | 10 | 5 | 0.0% | 6.88% |
| 14 | New Day Financial | F | 10 | 0 | 30.0% | — |
| 15 | Tidewater Mortgage Services | C | 10 | 4 | 0.0% | 6.44% |
| 16 | Coastal Community Bank | C | 10 | 1 | 0.0% | 11.24% |
| 17 | Broker Solutions | D | 9 | 4 | 0.0% | 6.75% |
| 18 | First Horizon Bank | B | 8 | 5 | 25.0% | 7.25% |
| 19 | Southern Trust Mortgage | B | 8 | 2 | 0.0% | 6.25% |
| 20 | Wells Fargo Bank | B | 7 | 3 | 14.3% | 7.75% |
| 21 | Bank of America | F | 7 | 5 | 0.0% | 5.74% |
| 22 | CMG Mortgage | A | 6 | 4 | 0.0% | 6.63% |
| 23 | Pentagon Federal Credit Union | F | 6 | 4 | 16.7% | 8.19% |
| 24 | Movement Mortgage | A | 6 | 2 | 0.0% | 6.19% |
| 25 | Prosperity Home Mortgage | A | 6 | 5 | 16.7% | 7.00% |
What Northampton County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Northampton County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 569 | 307 | 23.0% | 6.88% | $205,000 |
| 2024 | 573 | 305 | 19.7% | 7.00% | $235,000 |
| 2025 | 593 | 321 | 16.0% | 6.75% | $255,000 |
Frequently asked questions
16.0% of applications in Northampton County were denied in 2025, against 15.9% statewide in Virginia.
Atlantic Union Bank, with 59 applications in 2025 and a denial rate of 17.0%.
The median mortgage application in Northampton County in 2025 was for $255,000; the median property value on originated loans was $465,000.