Applications / Mortgage Analytics / Lenders / Virginia / Oak View National Bank
Warrenton, VA · National bank · OCC · $878 million assets · 71 loans in 2025
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71
loans originated, 2025
74
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Oak View National Bank, of Warrenton, Virginia, made 69% more loans in 2025, faster growth than more than nine in ten similar banks, and it lent heavily in poorer neighborhoods.
Its loans rose from 42 to 71, while similar lenders (national banks making between half and twice as many loans) grew 3% and the whole market 10%. Purchases made up 46.5% of its loans and refinances 42.3%. Its typical loan was $305,000, against $175,000 at peers.
Low- and moderate-income neighborhoods (LMI tracts) took 45.7% of its loans, against 16.2% at the typical peer, higher than more than nine in ten of them. LMI borrowers took 42.0%, against 23.4%. Both shares were high a year earlier too, so this looks like a lasting feature of its lending.
It entered three markets in 2025: non-metro West Virginia, Greenville-Anderson-Greer and Staunton-Stuarts Draft. It also gained a little share in Lynchburg and Charlottesville, where it has lent since 2015 and 2010. It remains a small lender in each, ranking 148 of 329 in Lynchburg.
It filed no report for 2020, 2021 or 2022; banks making fewer than 100 closed-end loans a year need not. Those are gaps, not years without lending. It made 59 loans in 2018 and 60 in 2023, so 2025 was its busiest of the years it reported from 2018.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Oak View National Bank took 74 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 46.5% · Refinance 42.3% · Home improvement 11.3%
Conventional 100.0% · of 71 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 | 69 | 97.2% |
| South Carolina | 1 | 1.4% |
| West Virginia | 1 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Arlington-Alexandria-Reston | 56 |
| Charlottesville | 3 |
| Lynchburg | 3 |
| Greenville-Anderson-Greer | 1 |
| Staunton-Stuarts Draft | 1 |
| Winchester | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WO6ELYQQWFMD71 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3816190 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 124849 | 2010–2017 |
Established 8 June 2009. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Oak View National Bank's data.
Oak View National Bank's data
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Oak View National 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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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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