Applications / Mortgage Analytics / Lenders / Virginia / Farmers and Miners Bank
Pennington Gap, VA · State member bank · FRS · $185 million assets · 57 loans in 2025
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57
loans originated, 2025
82
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Farmers and Miners Bank, a small Virginia lender, does much of its business in manufactured homes and makes most of its loans in poorer neighborhoods.
Manufactured homes took 31.6% of its loans, against 1.7% at similar lenders (state member banks making between half and twice as many loans), among the highest of them. Its typical loan was $85,000, smaller than at almost all of them, where it was $180,000. Manufactured homes may account for much of that.
Low- and moderate-income areas (LMI areas) took 63.2% of its loans, against 17.6% at similar lenders, the highest share among them. Borrowers with low and moderate incomes took 23.1%, close to the 24.5% at similar lenders. None of its loans went to majority-minority areas, against 7.3%; its 8 counties may hold few such areas.
It made 57 loans, up 12% from 51, near the middle of similar lenders, which grew 7%. Purchases made up 45.6% and refinances 42.1%. It made 104 loans in 2019. How its manufactured-home loans divide among its 3 states is an open question.
It has lent in Kingsport-Bristol since at least 1990. There it ranked 72 of 324 with 0.2% of the market, the same as in 2024; Eastman Credit Union led. It ranked 171 of 539 in rural Virginia and has lent in Lexington-Fayette since 2007.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Farmers and Miners Bank took 82 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 45.6% · Refinance 42.1% · Other 8.8% · Home improvement 3.5%
Conventional 100.0% · of 57 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 | 50 | 87.7% |
| Tennessee | 4 | 7.0% |
| Kentucky | 3 | 5.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kingsport-Bristol | 5 |
| Lexington-Fayette | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001HYUPH0X6FT603 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 658924 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2658924 | 1990–2017 |
Established 2 July 1979. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Farmers and Miners Bank's data.
Farmers and Miners Bank's data
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