Applications / Mortgage Analytics / Lenders / Virginia / Farm Credit of the Virginias
Staunton, VA · Independent non-bank lender · CFPB · 168 loans in 2025
Farm Credit of the Virginias's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
168
loans originated, 2025
301
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Farm Credit of the Virginias, a rural lender of conventional home-purchase loans, grew its lending by 23% in 2025 while similar lenders barely grew.
Manufactured homes made up 13.7% of its loans; the typical similar lender, an independent non-bank lender making between half and twice as many loans, made none. Every loan was conventional, and 81.5% financed a purchase. Its typical loan, $255,000, was smaller than peers' $325,000.
It made 168 loans, up 23% on the year, against 1% for similar lenders and 10% for the whole market. That is a recovery from a low of 97 loans in 2023, though still short of the 231 it made in 2021.
In its home market of Staunton-Stuarts Draft it ranks 30 of 236 lenders, with 0.7% of lending, up from 0.5%. Its share in Kingsport-Bristol also rose, to 0.3% from 0.1%. DuPont Community Credit Union leads Staunton.
Only 0.6% of its loans went to neighborhoods where most residents belong to minority groups, against 25.0% at peers. Its biggest market is non-metro Virginia, and it ranks only 318 of 757 lenders around Washington, so its lending leans to the countryside, which may account for much of that.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Farm Credit of the Virginias took 301 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 81.5% · Refinance 17.3% · Home improvement 1.2%
Conventional 100.0% · of 168 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 | 136 | 81.0% |
| West Virginia | 23 | 13.7% |
| Maryland | 7 | 4.2% |
| North Carolina | 2 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Arlington-Alexandria-Reston | 20 |
| Kingsport-Bristol | 17 |
| Staunton-Stuarts Draft | 16 |
| Blacksburg-Christiansburg-Radford | 11 |
| Charlottesville | 10 |
| Roanoke | 7 |
| Harrisonburg | 6 |
| Lynchburg | 4 |
| Morgantown | 4 |
| Winchester | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002RKLPCGAVLNC16 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2404554 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7540756781 |
Established 31 December 2016. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Farm Credit of the Virginias's data.
Farm Credit of the Virginias's data
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Farm Credit of the Virginias 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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