Applications / Mortgage Analytics / Lenders / Virginia / Bank of Clarke
Berryville, VA · State member bank · FRS · $1.9 billion assets · 284 loans in 2025
Bank of Clarke's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
284
loans originated, 2025
430
applications, 2025
15
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Clarke made 18% more loans in 2025, faster than the whole market, and gained share in Winchester, where it ranks 10 of 303 lenders.
Originations rose to 284, while the typical similar lender (a state member bank making between half and twice as many loans) grew 7% and the whole market 10%. Its growth was faster than at about two-thirds of similar lenders. Purchases made up 73.6% of its lending.
Its typical loan of $355,000 was higher than at about nine in ten similar lenders, whose typical loan was $195,000. Jumbo loans, those larger than the conforming limit, were only 2.7% of its lending, down from 10.9% five years before.
In Winchester, VA-WV its share rose from 1.6% to 2.6%, in a market led by DHI Mortgage Company and Rocket Mortgage. In Hagerstown-Martinsburg, MD-WV it rose from 0.1% to 0.3%. It has lent in the Washington-Arlington-Alexandria market since 1994 and ranks 139 of 757 there.
Low- and moderate-income (LMI) borrowers took 38.5% of its loans, against 28.0% at similar lenders, more than at about four in five. LMI areas took 26.1% of its loans and majority-minority areas 27.8%; at peers the figures were 16.4% and 5.8%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bank of Clarke took 430 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 73.6% · Refinance 16.9% · Home improvement 6.7% · Other 2.8%
Conventional 96.8% · VA 3.2% · of 284 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 | 217 | 76.4% |
| Maryland | 32 | 11.3% |
| West Virginia | 21 | 7.4% |
| District of Columbia | 2 | 0.7% |
| Florida | 2 | 0.7% |
| Georgia | 1 | 0.4% |
| Iowa | 1 | 0.4% |
| Illinois | 1 | 0.4% |
| Indiana | 1 | 0.4% |
| North Carolina | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Arlington-Alexandria-Reston | 107 |
| Winchester | 102 |
| Washington | 17 |
| Hagerstown-Martinsburg | 14 |
| Baltimore-Columbia-Towson | 8 |
| Frederick-Gaithersburg-Bethesda | 6 |
| Richmond | 3 |
| Davenport-Moline-Rock Island | 2 |
| Virginia Beach-Chesapeake-Norfolk | 2 |
| Atlanta-Sandy Springs-Roswell | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002Z2Z7DV758IU60 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 753324 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2753324 | 1994–2017 |
Established 1 April 1881. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Bank of Clarke's data.
Bank of Clarke's data
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