Largest lenders in Northumberland County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 64 | 43 | 18.8% | 6.63% |
| 2 | Primis Bank | C | 52 | 39 | 19.2% | — |
| 3 | Vanderbilt Mortgage and Finance | F | 47 | 2 | 34.0% | 10.37% |
| 4 | United Bank | C | 34 | 23 | 17.7% | 6.25% |
| 5 | Navy Federal Credit Union | D | 31 | 11 | 16.1% | 7.75% |
| 6 | Atlantic Union Bank | C | 27 | 17 | 18.5% | 7.50% |
| 7 | C & F Mortgage | A | 21 | 17 | 0.0% | 6.38% |
| 8 | Freedom Mortgage | B | 20 | 10 | 10.0% | 6.56% |
| 9 | United Shore Financial Services | B | 19 | 11 | 10.5% | 5.98% |
| 10 | Pennymac Loan Services | C | 17 | 6 | 29.4% | 6.56% |
| 11 | Truist Bank | C | 17 | 9 | 35.3% | 6.24% |
| 12 | Capital Center | C | 17 | 11 | 5.9% | 6.50% |
| 13 | Chesapeake Bank | C | 16 | 6 | 25.0% | 7.24% |
| 14 | Mortgage Research Center | C | 14 | 4 | 21.4% | 6.38% |
| 15 | Newrez | D | 13 | 5 | 15.4% | 5.75% |
| 16 | Movement Mortgage | A | 12 | 5 | 0.0% | 7.00% |
| 17 | Towne Bank | B | 12 | 9 | 8.3% | 6.49% |
| 18 | Crosscountry Mortgage | B | 10 | 4 | 0.0% | 6.66% |
| 19 | Bank of America | F | 9 | 5 | 22.2% | 6.49% |
| 20 | NFM | A | 9 | 5 | 11.1% | 7.25% |
| 21 | Loandepot.Com | D | 9 | 3 | 33.3% | 6.13% |
| 22 | Virginia Credit Union | D | 9 | 4 | 22.2% | 6.38% |
| 23 | Atlantic Coast Mortgage | A | 9 | 6 | 11.1% | 6.93% |
| 24 | American Financial Resources | B | 9 | 7 | 0.0% | 6.49% |
| 25 | Broker Solutions | D | 8 | 1 | 12.5% | 6.99% |
Best approval odds in Northumberland County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Primis Bank | 51 | 19.6% |
| 2 | Rocket Mortgage | 55 | 21.8% |
What Northumberland County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Northumberland County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 611 | 338 | 19.6% | 6.99% | $175,000 |
| 2024 | 670 | 374 | 19.3% | 6.99% | $185,000 |
| 2025 | 798 | 415 | 17.7% | 6.63% | $205,000 |
Frequently asked questions
17.7% of applications in Northumberland County were denied in 2025, against 15.9% statewide in Virginia.
Rocket Mortgage, with 64 applications in 2025 and a denial rate of 18.8%.
The median mortgage application in Northumberland County in 2025 was for $205,000; the median property value on originated loans was $425,000.