Applications / Mortgage Analytics / Lenders / Virginia / The Bank of Charlotte County
Phenix, VA · State member bank · FRS · $228 million assets · 58 loans in 2025
The Bank of Charlotte County's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
58
loans originated, 2025
76
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Bank of Charlotte County is a rural Virginia lender with an unusually large share of loans in low- and moderate-income areas and more manufactured-home lending than almost any similar lender.
Similar lenders are state member banks making between half and twice as many loans. Of its loans, 36.2% were in low- and moderate-income (LMI) areas, against 17.6%, higher than more than four in five of them, and up from 27.9%. Its home counties may simply contain many LMI areas, so an ordinary local book lands there.
Manufactured homes were 22.4% of its loans, against 1.7% for the typical peer, higher than about nineteen in twenty similar lenders. Its typical loan of $135,000 was lower than about three in four of them, which such homes may help explain.
Its typical rate of 7.39% sits near the middle of similar lenders. Higher-priced loans (a rate well above the average for similar loans) were 16.1%, against 6.8%; manufactured-home loans and small loan sizes are often priced higher, and with 58 loans this share is a rough guide.
Its Lynchburg share fell to 0.1% from 0.5%, ranking 140 of 329, though it has lent there since before 1990. Overall originations fell 5% to 58 while similar lenders rose 8%; with so few loans, a handful of borrowers can make that difference. It filed no reports for 2020 to 2022, a gap in the record rather than years without lending.
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, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. The Bank of Charlotte County took 76 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.8% · Refinance 27.6% · Home improvement 6.9% · Other 1.7%
Conventional 100.0% · of 58 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 | 57 | 98.3% |
| North Carolina | 1 | 1.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lynchburg | 7 |
| Richmond | 2 |
| Raleigh-Cary | 1 |
| Roanoke | 1 |
| Virginia Beach-Chesapeake-Norfolk | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930064WT3GIUWM7H79 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 667524 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2667524 | 1990–2017 |
Established 12 November 1912. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Bank of Charlotte County's data.
The Bank of Charlotte County's data
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The Bank of Charlotte County 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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