Applications / Mortgage Analytics / Lenders / Virginia / Bank of the James
Lynchburg, VA · State member bank · FRS · $1.0 billion assets · 46 loans in 2025
Bank of the James's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
46
loans originated, 2025
60
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of the James has kept its place in Lynchburg even as its lending shrank, to 46 loans in 2025 from 88 a year earlier.
Its loan count fell by 48% in 2025. Over the same year similar lenders (lenders of the same type making between half and twice as many loans) grew by 6%, and the whole market by 10%. Few of them shrank as fast. Its count peaked at 383 in 2022 and has fallen every year since. The figures do not say why. With so few loans, a handful of borrowers can move the total a long way.
Lynchburg is its biggest market, and one it has served since 2001. There it ranks 45 of 329 lenders, with a share of 0.5%, the same as a year earlier. In Blacksburg-Christiansburg-Radford it is newer and smaller: its share rose by 0.4 points to 0.4%, in a market led by Alcova Mortgage.
It does not specialize. Purchases made up 45.7% of its loans and refinances 30.4%, with the rest split between home improvement and other purposes. Every loan was conventional, as at most similar lenders. Its typical loan, at $160,000, was a little smaller than theirs.
Borrowers with low and moderate incomes (LMI) took 29.2% of its loans, against 24.0% at similar lenders. That is more than at about two-thirds of them, though 46 loans is a thin base to read much into.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 the James took 60 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 45.7% · Refinance 30.4% · Home improvement 13.0% · Other 10.9%
Conventional 100.0% · of 46 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 | 46 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lynchburg | 35 |
| Charlottesville | 3 |
| Blacksburg-Christiansburg-Radford | 1 |
| Roanoke | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XV8D5BHDJZY155 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2787770 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 22787770 | 2001–2017 |
Established 22 July 1999. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Bank of the James's data.
Bank of the James's data
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Bank of the James 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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