Applications / Mortgage Analytics / Lenders / Virginia / Village Bank and Trust Financial
Midlothian, VA · State non-member bank · FDIC · $739 million assets · 17 loans in 2025
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17
loans originated, 2025
30
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Village Bank and Trust Financial, a $739 million bank in Midlothian, Virginia, made only 17 home loans in 2025, all in Virginia, down from 107 in 2024.
The bank made 107 loans in both 2023 and 2024, then 17 in 2025. A typical similar lender (state non-member banks making between half and twice as many loans) made 26. The figures do not say why its lending fell so far in one year. It filed no HMDA report for 2020 to 2022; since 2020 a bank making fewer than 100 closed-end loans a year need not report, so those years are gaps in the record, not years without lending.
All its lending was in Virginia, in five counties, and Richmond is its only metro. There it ranked 277th of 551 lenders. Berkeley Point Capital and Rocket Mortgage led that market.
With 17 loans, its shares of lower-income borrowers, of loan types and of loan purposes rest on too few loans to compare with peers. Its denial rates could not be measured, and nor could those of similar lenders.
The bank was established in 1999 as Southern Community Bank & Trust and first reported under HMDA in 2001. It was renamed Village Bank in 2005 and merged with River City Bank in 2008, whose filings count as its own in the competition figures.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Village Bank and Trust Financial took 30 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 41.2% · Purchase 35.3% · Home improvement 23.5%
Conventional 100.0% · of 17 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 | 17 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Richmond | 17 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NIJITDSZ8M7H32 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2760232 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 335111 | 2001–2017 |
Established 13 December 1999. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Village Bank and Trust Financial's data.
Village Bank and Trust Financial's data
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