Applications / Mortgage Analytics / Lenders / Virginia / Powell Valley National Bank
Jonesville, VA · National bank · OCC · $518 million assets · 108 loans in 2025
Powell Valley National Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
108
loans originated, 2025
146
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Powell Valley National Bank, a Virginia lender, makes two in five of its home loans in low- and moderate-income (LMI) neighborhoods, a higher share than almost any national bank its size.
LMI neighborhoods took 40.7% of its loans, against 15.0% at similar lenders (national banks making between half and twice as many loans), higher than about nineteen in twenty. The share has climbed from 21.3% in 2020 and 30.2% in 2024. LMI borrowers took 29.1%, against 23.0%.
Manufactured homes made up 14.8% of its loans, against 1.6% at peers, higher than nearly nine in ten. Other-purpose loans took 12.0%. Both may help explain a typical loan of $145,000, smaller than peers' $185,000. Every loan was conventional.
Kingsport-Bristol is its largest market. It ranks 23 of 324 lenders there, with 1.0% of lending, up from 0.9%; Eastman Credit Union leads. In Morristown its share rose to 0.4% from 0.0%.
It made 108 loans, against 106 in 2024 and 238 in 2022. Similar lenders grew 7% and the whole market 10%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Powell Valley National Bank took 146 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.0% · Refinance 35.2% · Other 12.0% · Home improvement 2.8%
Conventional 100.0% · of 108 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 | 65 | 60.2% |
| Tennessee | 42 | 38.9% |
| North Carolina | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kingsport-Bristol | 40 |
| Knoxville | 4 |
| Morristown | 3 |
| Johnson City | 2 |
| Virginia Beach-Chesapeake-Norfolk | 2 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
| Pinehurst-Southern Pines | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900GBKSHEUZ4PGG08 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 31826 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 19924 | 2009–2017 |
Established 1 January 1888. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Powell Valley National Bank's data.
Powell Valley National Bank's data
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Powell Valley 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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