Applications / Mortgage Analytics / Lenders / Virginia / TruPoint Bank
Grundy, VA · State member bank · FRS · $696 million assets · 81 loans in 2025
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81
loans originated, 2025
110
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
TruPoint Bank, based in Grundy, Virginia, more than tripled its lending in 2025, the year it merged with First Community Bank of East Tennessee.
It made 81 loans in 2025, up 238% from 24, faster than almost all similar lenders (state member banks making between half and twice as many loans), which grew 9%. It merged with First Community Bank of East Tennessee that year, which may account for some of the rise. It made 145 loans in 2018, so 2025 brings it back toward an earlier level rather than to a new high.
Its share in Kingsport-Bristol rose to 0.5% from 0.0%, ranking it 42 of 324 lenders behind Eastman Credit Union. In Johnson City its share rose to 0.3% from 0.1%. These market figures count the merged bank's filings as TruPoint Bank's, so part of the gain may be the merger itself.
Homes in low- and moderate-income neighborhoods drew 38.3% of its loans, more than twice the 16.4% at similar lenders and more than at about nine in ten of them. That share has been high for years: it was 46.6% in 2020. Home purchases made up 65.4% of its loans, and its typical loan was $155,000, a little below peers' $175,000.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. TruPoint Bank took 110 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 65.4% · Refinance 17.3% · Home improvement 8.6% · Other 8.6%
Conventional 100.0% · of 81 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 |
|---|---|---|
| Tennessee | 50 | 61.7% |
| Virginia | 23 | 28.4% |
| North Carolina | 8 | 9.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kingsport-Bristol | 29 |
| Johnson City | 17 |
| Asheville | 7 |
| Knoxville | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TELLWSMYL9RE90 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 274829 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2274829 | 1996–2017 |
Established 2 January 1975. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: TruPoint Bank's data.
TruPoint Bank's data
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