Applications / Mortgage Analytics / Lenders / Virginia / Benchmark Community Bank
Kenbridge, VA · State member bank · FRS · $1.4 billion assets · 452 loans in 2025
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452
loans originated, 2025
570
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Benchmark Community Bank is a country lender with an unusually large manufactured-home business, and it ranks 20 of 539 lenders in non-metro Virginia.
Manufactured homes made up 14.6% of its 452 loans, against 1.3% at similar lenders (state member banks making between half and twice as many loans), more than at nearly all of them. Its biggest markets are non-metro Virginia and non-metro North Carolina, where it ranks 106 of 762.
Higher-priced loans (a rate well above the average for similar loans) were 15.8% of its lending, against 2.4% at similar lenders. Manufactured-home loans are often priced higher, and its large share of them may account for most of the gap.
Majority-minority areas took 27.4% of its loans, against 7.3% at peers, more than at nearly nine in ten of them. Low- and moderate-income (LMI) areas took 21.3%, against 16.9%. LMI borrowers took 23.8%, below peers' 28.2%, which may reflect incomes in the non-metro counties it serves.
It made 452 loans, against 455 a year before, while similar lenders grew 7%. Its yearly count has stayed between 452 and 595 since 2018. Its typical loan was $125,000, against $195,000 at peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Benchmark Community Bank took 570 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.9% · Refinance 25.2% · Home improvement 11.3% · Other 10.6%
Conventional 100.0% · of 452 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 | 331 | 73.2% |
| North Carolina | 121 | 26.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Raleigh-Cary | 36 |
| Richmond | 15 |
| Durham-Chapel Hill | 9 |
| Rocky Mount | 3 |
| Lynchburg | 2 |
| Wilmington | 2 |
| Charlotte-Concord-Gastonia | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JJ8BTDDILW4H12 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 94522 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 294522 | 2015–2017 |
Established 8 September 1971. Reported under HMDA 2015-2025.
Mergers, name changes, data editions and corrections: Benchmark Community Bank's data.
Benchmark Community Bank's data
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Benchmark Community 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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