Applications / Mortgage Analytics / Lenders / Virginia / Burke & Herbert Bank & Trust Company
Alexandria, VA · State member bank · FRS · $7.9 billion assets · 512 loans in 2025
Burke & Herbert Bank & Trust Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
512
loans originated, 2025
756
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Burke & Herbert Bank & Trust Company is a Virginia bank that lends more than most similar banks to LMI (low- and moderate-income) borrowers and areas, after its loan count jumped in 2024.
Its count rose from 179 in 2023 to 480 in 2024 and 512 in 2025. The 2025 rise of 7% was close to similar lenders' 6% (state member banks making between half and twice as many loans). It merged with Summit Community Bank in 2024, one possible source of the step up. In Staunton-Stuarts Draft its share rose 1.8 points to 1.8%.
LMI borrowers took 34.4% of its loans, against 28.1% at similar lenders, more than three in four of them. LMI areas took 22.7%, against 16.7%, more than four in five, and majority-minority areas 21.1%, against 7.3%. Its largest market, Washington-Arlington-Alexandria, is one ordinary explanation.
Purchases made up 40.0% of its loans, home improvement 25.0%, refinances 21.7% and other purposes 13.3%. Manufactured homes were 4.5%, against 1.2%, higher than four in five peers. Its typical loan, $185,000, was near peers' $195,000.
Its denial rate on first-lien home-purchase applications for owner-occupied homes was 4.7%, against 7.4% at similar lenders, lower than about two-thirds of them. Purchases were its largest kind of lending, at 40.0% of its loans.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Burke & Herbert Bank & Trust Company took 756 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 40.0% · Home improvement 25.0% · Refinance 21.7% · Other 13.3%
Conventional 100.0% · of 512 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 | 238 | 46.5% |
| West Virginia | 183 | 35.7% |
| Maryland | 62 | 12.1% |
| Kentucky | 13 | 2.5% |
| Delaware | 6 | 1.2% |
| Tennessee | 3 | 0.6% |
| District of Columbia | 2 | 0.4% |
| North Carolina | 2 | 0.4% |
| Ohio | 1 | 0.2% |
| Pennsylvania | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Arlington-Alexandria-Reston | 176 |
| Charleston | 31 |
| Huntington-Ashland | 21 |
| Baltimore-Columbia-Towson | 20 |
| Hagerstown-Martinsburg | 13 |
| Frederick-Gaithersburg-Bethesda | 11 |
| Lexington-Fayette | 11 |
| Washington | 10 |
| Beckley | 8 |
| Harrisonburg | 8 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OS8C7J7ZWMNL70 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 933621 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311578 | 1990–2017 |
Established 1 January 1852. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Burke & Herbert Bank & Trust Company's data.
Burke & Herbert Bank & Trust Company's data
$215
Burke & Herbert Bank & Trust Company 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.
Buy Burke & Herbert Bank & Trust Company's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]