Applications / Mortgage Analytics / Lenders / Virginia / Village Bank Mortgage
Midlothian, VA · Non-bank subsidiary of a bank · CFPB · 83 loans in 2025
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83
loans originated, 2025
100
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Village Bank Mortgage, a Virginia lender owned by a bank, shrank to 83 loans in 2025 from 343 a year earlier, and lends far more to lower-income borrowers than similar lenders do.
Its loans fell 76% in 2025, while similar lenders (non-bank subsidiaries of banks making between an eighth and eight times as many loans) grew 3% and the whole market 10%. That continues a long slide from 1,720 loans in 2020. The figures do not say why: whether it chose to lend less or lost business to others is an open question.
Loans insured by the Federal Housing Administration made up 26.5% of its book, against 13.3% at peers, and loans guaranteed by the Department of Veterans Affairs 10.8%, against 3.0%. Both shares rose from 2024. Purchases made up 90.4% of its lending.
Borrowers with low or moderate incomes took 48.8% of its loans, against 25.9% at peers, a higher share than at about nine in ten similar lenders. Its typical loan, $275,000, was close to peers' $277,500.
Richmond, where it has lent since 1999, is its largest market. Its share there fell from 0.9% to 0.2%, and it ranked 83rd of 551 lenders. The fall in share may simply follow the fall in its own lending. Berkeley Point Capital and Rocket Mortgage led the market.
Similar lenders: same lender type, originations between an eighth and eight times the lender's. 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Village Bank Mortgage took 100 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 90.4% · Refinance 9.6%
Conventional 62.7% · FHA 26.5% · VA 10.8% · of 83 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 | 82 | 98.8% |
| North Carolina | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Richmond | 73 |
| Charlottesville | 1 |
| Lynchburg | 1 |
| Virginia Beach-Chesapeake-Norfolk | 1 |
| Wilmington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KR83OL4XF00793 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3362530 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3541874129 | |
| Respondent ID (the HMDA filer code before 2018) | 4541874129 | 1999–2002 |
Established 19 November 1997. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Village Bank Mortgage's data.
Village Bank Mortgage's data
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Village Bank Mortgage 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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