Lenders › The Old Point National Bank of Phoebus › Virginia
The Old Point National Bank of Phoebus in Virginia
HMDA record for properties in Virginia, calendar year 2024. National record · Virginia overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Virginia, The Old Point National Bank of Phoebus reported 102 applications and 75 originations for 2024, $26m in all.
Its denial rate in the state was 8.2%, below the Virginia rate of 22.1% across all lenders and compared with the lender's national rate of 9.8%.
Applications in the state were down 73% on 2023.
Compared with the state and the lender's national record
| Measure | In Virginia | Virginia, all lenders | The Old Point National Bank of Phoebus, all states | United States |
|---|---|---|---|---|
| Denial rate | 8.2% | 22.1% | 9.8% | 24.3% |
| Median rate spread, pp | — | 0.3 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 16.5% | — | 15.6% |
| Average originated loan | $351k | $352k | $334k | $329k |
| Home purchase share | 49.3% | 55.8% | 47.5% | 57.0% |
| FHA-insured share | 0.0% | 11.7% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 16.4% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateVirginia, all lenders
Loan purpose and loan type in Virginia
By purpose
Home purchase 49% (37)Home improvement 16% (12)Refinancing 19% (14)Other purpose 16% (12)
By type
Conventional 100% (75)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Virginia
No county in the state reaches 25 applications.
Questions and answers
How many mortgages did The Old Point National Bank of Phoebus originate in Virginia in 2024?
75 loans totalling $26m, from 102 applications reported for properties in Virginia.
What is The Old Point National Bank of Phoebus's denial rate in Virginia?
8.2% of decided applications in Virginia were denied, against 22.1% for all lenders in the state and 9.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Virginia counties does The Old Point National Bank of Phoebus lend in most?
No county in the state reaches 25 applications.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Virginia. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.