Lender in Virginia · HMDA 2025
Ixonia Bank mortgages in Virginia
Ixonia Bank's 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
Ixonia Bank originated 213 owner-occupied single-family loans in Virginia from 223 completed applications.
Its median conventional purchase loan costs were $7,350 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.625% (Virginia: 6.625%).
Loans in VA
213
of 223 applications
Denial rate
3.5%
Purchase · VA 6.9%
Rate spread
+0.33 pts
Conv. · VA +0.10 pts
Loan amount
$335,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 171 | 164 | 3.5% | 6.625% | +0.33 pts | $7,350 | $335,000 |
| Refinance | 27 | 26 | 3.7% | — | — | — | $415,000 |
| Cash-out refinance | 25 | 23 | 8.0% | — | — | — | $405,000 |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where Ixonia Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Nelson County | 2 | 12 | 7.8% |
| Louisa County | 3 | 30 | 3.3% |
| Augusta County | 7 | 33 | 3.1% |
| Greene County | 9 | 11 | 2.9% |
| Highland County | 9 | 1 | 6.3% |
| Charlottesville city | 12 | 8 | 2.7% |
| Albemarle County | 13 | 26 | 1.8% |
| Fluvanna County | 16 | 8 | 1.5% |
| Staunton city | 18 | 7 | 1.7% |
| Waynesboro city | 22 | 7 | 1.6% |
| Buena Vista city | 23 | 1 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology