Applications / Mortgage Analytics / Lenders / Virginia / First Sentinel Bank
Richlands, VA · State member bank · FRS · $404 million assets · 80 loans in 2025
First Sentinel Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
80
loans originated, 2025
88
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Sentinel Bank, reporting home loans only since 2023, lent to low- and moderate-income borrowers more than about nine in ten similar lenders in 2025.
41.8% of its loans went to LMI (low- and moderate-income) borrowers, up from 25.0% and against 27.1% for similar lenders (state member banks making between half and twice as many loans). Its typical loan of $115,000 was smaller than more than four in five of them, which may reflect lower-priced homes in small towns and rural counties.
Originations rose 21%, against 9% for similar lenders and 10% for the market, and its dollar lending nearly doubled to $19.8 million. In Blacksburg-Christiansburg-Radford, entered in 2024, its share rose to 0.3% from 0.1%, and it entered Charleston, SC and Staunton-Stuarts Draft in 2025.
Its largest markets are non-metro West Virginia, where it ranks 39 of 299, and non-metro Virginia. Only 1.2% of its loans were in majority-minority areas, against 6.2% for similar lenders; the rural counties it serves may contain few such areas.
Manufactured homes made up 11.2% of its loans, against 2.1% for similar lenders, higher than more than four in five of them, which fits its small typical loan and rural markets. Too few of its first-lien purchase and refinance applications were decided to give a denial rate.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. First Sentinel Bank took 88 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 48.8% · Refinance 40.0% · Other 10.0% · Home improvement 1.3%
Conventional 100.0% · of 80 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Virginia | 64 | 80.0% |
| West Virginia | 11 | 13.8% |
| South Carolina | 3 | 3.8% |
| North Carolina | 1 | 1.2% |
| Tennessee | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Blacksburg-Christiansburg-Radford | 7 |
| Charleston-North Charleston | 3 |
| Kingsport-Bristol | 3 |
| Roanoke | 3 |
| Morristown | 1 |
| Staunton-Stuarts Draft | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900NURL1XA7P0O968 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 920975 | 2023–2023 |
Established 20 June 1978. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: First Sentinel Bank's data.
First Sentinel Bank's data
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First Sentinel Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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