Applications / Mortgage Analytics / Lenders / Virginia / New Peoples Bank
Honaker, VA · State member bank · FRS · $910 million assets · 144 loans in 2025
New Peoples Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
144
loans originated, 2025
191
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
New Peoples Bank lends far more in poorer neighborhoods than similar banks, and in 2025 it made more loans for the first time since 2021.
It made 144 loans, up 24%, against 8% for similar lenders (state member banks making between half and twice as many loans) and 10% for the whole market. That was its first rise since 2021, after a slide from 327 loans in 2018 to 116 in 2024. Its loans also got bigger: the typical one rose to $210,000 from $150,000, and the dollars it lent roughly doubled to $59.0 million.
Its share of Kingsport-Bristol rose to 1.1% from 0.8%, a rank of 18 of 324 lenders. In Johnson City it also reached 1.1%, ranking 21 of 287. Eastman Credit Union leads both.
Low- and moderate-income (LMI) neighborhoods took 33.6% of its loans, against 16.6% at similar lenders, more than at about nine in ten of them. Manufactured homes made up 7.6% of its loans, against 2.3% at peers, and home improvement 6.9%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. New Peoples Bank took 191 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.0% · Refinance 25.7% · Home improvement 6.9% · Other 1.4%
Conventional 100.0% · of 144 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 | 80 | 55.6% |
| West Virginia | 25 | 17.4% |
| Tennessee | 19 | 13.2% |
| North Carolina | 18 | 12.5% |
| Florida | 2 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kingsport-Bristol | 38 |
| Blacksburg-Christiansburg-Radford | 8 |
| Johnson City | 7 |
| Roanoke | 6 |
| Charlotte-Concord-Gastonia | 1 |
| Deltona-Daytona Beach-Ormond Beach | 1 |
| Morgantown | 1 |
| Punta Gorda | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GIR2ODBIF9VF65 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2736451 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 22736451 | 1999–2017 |
Established 28 October 1998. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: New Peoples Bank's data.
New Peoples Bank's data
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New Peoples 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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