Lender in Virginia · HMDA 2025
Towne Bank mortgages in Virginia
Towne Bank's 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
Towne Bank originated 1,098 owner-occupied single-family loans in Virginia from 1,139 completed applications.
Its median conventional purchase loan costs were $5,610 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.625% (Virginia: 6.625%).
Loans in VA
1,098
of 1,139 applications
Denial rate
2.4%
Purchase · VA 6.9%
Rate spread
+0.22 pts
Conv. · VA +0.10 pts
Loan amount
$355,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,042 | 1,009 | 2.4% | 6.625% | +0.22 pts | $5,610 | $355,000 |
| Refinance | 38 | 35 | 7.9% | 6.625% | +0.09 pts | $6,010 | $555,000 |
| Cash-out refinance | 59 | 54 | 8.5% | 6.625% | +0.36 pts | $4,840 | $305,000 |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where Towne Bank ranks in the top 25
Showing the 30 counties where it ranks highest, of 39.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Henrico County | 7 | 150 | 3.0% |
| Goochland County | 7 | 20 | 3.7% |
| Lancaster County | 8 | 5 | 2.5% |
| Amelia County | 9 | 6 | 3.1% |
| Colonial Heights city | 10 | 6 | 2.2% |
| King and Queen County | 10 | 3 | 2.8% |
| Hanover County | 11 | 46 | 2.5% |
| Richmond city | 12 | 61 | 2.4% |
| James City County | 12 | 34 | 2.5% |
| Isle of Wight County | 12 | 17 | 1.9% |
| Williamsburg city | 12 | 3 | 2.7% |
| Emporia city | 12 | 1 | 2.1% |
| York County | 13 | 28 | 2.5% |
| New Kent County | 13 | 13 | 1.7% |
| Poquoson city | 13 | 6 | 2.0% |
| Northumberland County | 13 | 4 | 1.9% |
| Surry County | 13 | 2 | 1.9% |
| Virginia Beach city | 14 | 124 | 1.8% |
| King William County | 14 | 8 | 1.8% |
| Falls Church city | 14 | 3 | 1.6% |
| Sussex County | 14 | 2 | 2.1% |
| Chesapeake city | 15 | 76 | 1.5% |
| Suffolk city | 15 | 45 | 1.8% |
| Newport News city | 15 | 30 | 1.2% |
| Portsmouth city | 15 | 28 | 1.4% |
| Petersburg city | 15 | 8 | 1.7% |
| Southampton County | 16 | 4 | 1.7% |
| Norfolk city | 18 | 40 | 1.1% |
| Chesterfield County | 19 | 102 | 1.5% |
| Hampton city | 19 | 25 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology