Applications / Mortgage Analytics / Lenders / Virginia / The Farmers Bank of Appomattox
Appomattox, VA · State member bank · FRS · $366 million assets · 112 loans in 2025
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112
loans originated, 2025
123
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Farmers Bank of Appomattox is a Lynchburg-area lender, ranked 31 of 329 there, whose loans are small and lean toward home improvement and manufactured homes.
Purchases made up 46.4% of its loans. Home improvement and other purposes together made up more than a third, at 17.9% and 18.8%. Manufactured homes were 17.9% of its loans, against 2.2% at similar lenders, other state member banks making between half and twice as many loans. Those mixes may help explain its small typical loan, $135,000 against $175,000.
Some 36.8% of its loans went to low- and moderate-income (LMI) borrowers, up from 25.9% a year earlier and against 27.2% at similar lenders. That is higher than at about four in five of them.
Its 112 loans were 4% more than the year before, while similar lenders grew 8%, slower than about three in five of them. With 112 loans, a handful either way moves that rate. Its volume is still higher than the 91 of 2020, though below the 147 of 2022.
Its share of Lynchburg lending fell from 1.0% to 0.8%, though its own dollar lending rose from $16.6 million to $20.5 million. Rivals growing faster could explain the fall. Bank of America leads that market, ahead of Rocket Mortgage. The bank has lent there since 1992.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Farmers Bank of Appomattox took 123 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 46.4% · Other 18.8% · Home improvement 17.9% · Refinance 17.0%
Conventional 100.0% · of 112 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 | 112 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lynchburg | 80 |
| Charlottesville | 1 |
| Richmond | 1 |
| Roanoke | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300M3EF1JHLTH5P71 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 188720 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2188720 | 1992–2017 |
Established 16 September 1918. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: The Farmers Bank of Appomattox's data.
The Farmers Bank of Appomattox's data
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The Farmers Bank of Appomattox 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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