Largest lenders in Southampton County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | BRONCO Federal Credit Union | C | 65 | 52 | 15.4% | 6.99% |
| 2 | Rocket Mortgage | C | 46 | 29 | 21.7% | 6.50% |
| 3 | Mortgage Research Center | C | 34 | 18 | 23.5% | 6.25% |
| 4 | United Shore Financial Services | B | 27 | 16 | 25.9% | 5.77% |
| 5 | Vanderbilt Mortgage and Finance | F | 26 | 2 | 50.0% | 9.75% |
| 6 | American Neighborhood Mortgage Acceptance Company | B | 25 | 22 | 0.0% | 6.63% |
| 7 | Navy Federal Credit Union | D | 24 | 8 | 25.0% | 6.94% |
| 8 | Freedom Mortgage | B | 21 | 7 | 9.5% | 6.25% |
| 9 | Towne Bank | B | 18 | 13 | 16.7% | 7.76% |
| 10 | Atlantic Bay Mortgage Group | A | 15 | 12 | 0.0% | 6.88% |
| 11 | Crosscountry Mortgage | B | 14 | 7 | 7.1% | 6.58% |
| 12 | Newrez | D | 14 | 8 | 28.6% | 6.69% |
| 13 | Southern Trust Mortgage | B | 13 | 9 | 15.4% | 6.63% |
| 14 | Movement Mortgage | A | 13 | 10 | 0.0% | 6.63% |
| 15 | Pennymac Loan Services | C | 12 | 8 | 8.3% | 7.25% |
| 16 | Towne Mortgage | B | 11 | 10 | 0.0% | 6.43% |
| 17 | Primis Bank | C | 11 | 8 | 27.3% | — |
| 18 | Dhi Mortgage Company | B | 11 | 9 | 0.0% | 4.99% |
| 19 | Truist Bank | C | 10 | 4 | 50.0% | 7.80% |
| 20 | LANGLEY Federal Credit Union | C | 10 | 5 | 50.0% | 6.74% |
| 21 | Broker Solutions | D | 9 | 3 | 22.2% | 6.88% |
| 22 | C & F Mortgage | A | 9 | 9 | 0.0% | 6.63% |
| 23 | Loandepot.Com | D | 9 | 2 | 33.3% | 5.68% |
| 24 | AmeriSave Mortgage | D | 8 | 3 | 50.0% | 7.75% |
| 25 | Bank of America | F | 7 | 1 | 57.1% | 6.49% |
Best approval odds in Southampton County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | BRONCO Federal Credit Union | 62 | 16.1% |
What Southampton County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Southampton County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 546 | 306 | 20.7% | 6.75% | $140,000 |
| 2024 | 623 | 353 | 21.2% | 6.99% | $165,000 |
| 2025 | 664 | 381 | 19.4% | 6.63% | $185,000 |
Frequently asked questions
19.4% of applications in Southampton County were denied in 2025, against 15.9% statewide in Virginia.
BRONCO Federal Credit Union, with 65 applications in 2025 and a denial rate of 15.4%.
The median mortgage application in Southampton County in 2025 was for $185,000; the median property value on originated loans was $330,000.