Applications / Mortgage Analytics / Lenders / Virginia / Virginia National Bank
Charlottesville, VA · National bank · OCC · $1.6 billion assets · 47 loans in 2025
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47
loans originated, 2025
78
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Virginia National Bank makes few home loans, but more than half of them go to poorer neighborhoods, about three times the share at similar lenders.
Of its 47 loans in 2025, 53.2% were in low- and moderate-income (LMI) neighborhoods, against 16.7% at similar lenders (national banks making between half and twice as many loans). That is higher than nearly all of them. Majority-minority neighborhoods took 36.2%, against 8.2%. Yet only 20.0% of its borrowers were themselves LMI, near the peer figure of 23.8%, so many of its loans in poorer areas go to better-off buyers.
It made 47 loans, down 8% from 51, while similar lenders grew 2% and the whole market 10%. Its loans peaked at 181 in 2021. But its typical loan has more than doubled in five years, to $535,000 from $225,000, so its $47.7 million of lending was higher than about nine in ten similar lenders. A move toward larger purchase loans, now 72.3% of its book, may explain both trends.
Richmond is its largest market, where it ranked 74 of 551 lenders, with 0.2% of the dollars, up 0.1 points. Berkeley Point Capital led. In Charlottesville, its home market, its share fell 0.1 points to 0.1%; with so few loans, one or two can account for that. Its typical loan rose sharply in 2025, so dollar shares may move more than its loan count would suggest.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Virginia National Bank took 78 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.3% · Refinance 23.4% · Home improvement 4.3%
Conventional 100.0% · of 47 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 | 43 | 91.5% |
| Maryland | 2 | 4.3% |
| District of Columbia | 1 | 2.1% |
| Ohio | 1 | 2.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Richmond | 30 |
| Staunton-Stuarts Draft | 3 |
| Arlington-Alexandria-Reston | 2 |
| Charlottesville | 2 |
| Virginia Beach-Chesapeake-Norfolk | 2 |
| Canton-Massillon | 1 |
| Lexington Park | 1 |
| Washington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XE6SNRPD2GUD44 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2708122 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 123616 | 1999–2017 |
Established 29 July 1998. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Virginia National Bank's data.
Virginia National Bank's data
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Virginia 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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