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Northumberland County, 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.
Northumberland County, Virginia, saw 670 HMDA-reported applications and 374 originations ($96m) in 2024.
That is 66.3 originations per 1,000 households, against 54.4 for Virginia and 48.0 nationally.
The county's denial rate was 24.8%, above the state rate of 22.1%. The median rate spread on originated loans was 0.5 percentage points and 12.9% of originations were 1.5 points or more above the average prime offer rate.
6 lenders reached 25 applications in the county; the most active by originations were United Bank (39), Rocket Mortgage (29) and Atlantic Union Bank (27).
Originations were up 11% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | United Bank | 49 | 39 | $10.0m | 11.4% | — |
| 2 | Rocket Mortgage | 40 | 29 | $6.0m | 23.1% | — |
| 3 | Atlantic Union Bank | 43 | 27 | $3.2m | 31.7% | — |
| 4 | Primis Bank | 29 | 23 | $2.5m | 13.8% | — |
| 5 | Navy Federal Credit Union | 31 | 14 | $3.3m | — | — |
| 6 | Vanderbilt Mortgage and Finance, Inc | 38 | 3 | $485k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 6. Denial rate is denials over decided applications in this county.
Compared with Virginia and the nation
| Measure | This county | Virginia | United States |
|---|---|---|---|
| Denial rate | 24.8% | 22.1% | 24.3% |
| Median rate spread, pp | 0.5 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 12.9% | 16.5% | 15.6% |
| Average originated loan | $255k | $352k | $329k |
| Originations per 1,000 households | 66.3 | 54.4 | 48.0 |
| Home purchase share of originations | 53.7% | 55.8% | 57.0% |
| FHA-insured share | 9.6% | 11.7% | 13.4% |
| VA-guaranteed share | 8.6% | 16.4% | 7.9% |
Rate spread distribution
Share of 333 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% (201)Home improvement 11% (40)Refinancing 18% (66)Cash-out refinancing 10% (39)Other purpose 7% (28)
By type
Conventional 81% (304)FHA 10% (36)VA 9% (32)USDA 1% (2)
Trend by year
ApplicationsOriginations
This countyVirginia
Questions and answers
Which lenders are most active in Northumberland County, VA?
By 2024 originations: United Bank (39), Rocket Mortgage (29), Atlantic Union Bank (27), Primis Bank (23), Navy Federal Credit Union (14). 6 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Northumberland County?
24.8% of decided applications were denied in 2024, against 22.1% across Virginia and 24.3% nationally.
How many mortgages were originated in Northumberland County in 2024?
374 loans totalling $96m, from 670 applications; 66.3 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 51133; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.