Applications / Mortgage Analytics / Lenders / Virginia / Bank of the James / Competition
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
Who Bank of the James competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — LYNCHBURG, VA, 2025
Bank of the James ranks 45th of 329 lenders in Lynchburg, VA, with $9.7M lent: 0.5% of a $1.79B market.
Lynchburg, VA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Bank of the James in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 47% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — BLACKSBURG-CHRISTIANSBURG-RADFORD, VA, 2025
Bank of the James ranks 43rd of 233 lenders in Blacksburg-Christiansburg-Radford, VA, with $2.8M lent: 0.4% of a $778.1M market.
Blacksburg-Christiansburg-Radford, VA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Bank of the James in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 49% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — NON-METRO VIRGINIA, 2025
Bank of the James ranks 277th of 539 lenders in non-metro Virginia, with $1.4M lent: 0.0% of a $5.11B market.
non-metro Virginia is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Bank of the James in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 33% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — CHARLOTTESVILLE, VA, 2025
Bank of the James ranks 168th of 337 lenders in Charlottesville, VA, with $1.0M lent: 0.1% of a $1.91B market.
Charlottesville, VA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Bank of the James in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — ROANOKE, VA, 2025
Bank of the James ranks 343rd of 346 lenders in Roanoke, VA, with $55K lent: 0.0% of a $2.03B market.
Roanoke, VA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Bank of the James in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 38% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
The data and the software behind these pages
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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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.
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