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Hampton city, Virginia
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 6,034 mortgage applications in Hampton city, Virginia, for 2024, and originated 3,493 loans worth $806m.
That is 60.2 originations per 1,000 households, against 54.4 for Virginia and 48.0 nationally.
The county's denial rate was 21.5%, close to the state rate of 22.1%. The median rate spread on originated loans was 0.3 percentage points and 17.0% of originations were 1.5 points or more above the average prime offer rate.
45 lenders reached 25 applications in the county; the most active by originations were Langley Federal Credit Union (286), Mortgage Research Center (244) and United Wholesale Mortgage (200).
Originations were up 13% on 2023.
Most active lenders
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 45. Denial rate is denials over decided applications in this county.
Compared with Virginia and the nation
| Measure | This county | Virginia | United States |
|---|---|---|---|
| Denial rate | 21.5% | 22.1% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 17.0% | 16.5% | 15.6% |
| Average originated loan | $231k | $352k | $329k |
| Originations per 1,000 households | 60.2 | 54.4 | 48.0 |
| Home purchase share of originations | 54.1% | 55.8% | 57.0% |
| FHA-insured share | 14.3% | 11.7% | 13.4% |
| VA-guaranteed share | 37.5% | 16.4% | 7.9% |
Rate spread distribution
Share of 3,197 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Virginia). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 54% (1,891)Home improvement 10% (340)Refinancing 14% (493)Cash-out refinancing 13% (462)Other purpose 9% (307)
By type
Conventional 48% (1,686)FHA 14% (498)VA 37% (1,309)
Trend by year
ApplicationsOriginations
This countyVirginia
Questions and answers
Which lenders are most active in Hampton city, VA?
By 2024 originations: Langley Federal Credit Union (286), Mortgage Research Center (244), United Wholesale Mortgage (200), BayPort Credit Union (196), American Neighborhood Mortgage Acceptance Company (194). 45 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Hampton city?
21.5% of decided applications were denied in 2024, against 22.1% across Virginia and 24.3% nationally.
How many mortgages were originated in Hampton city in 2024?
3,493 loans totalling $806m, from 6,034 applications; 60.2 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 51650; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.