Bank of the James
Bank of the James received 60 applications in 2025 and made 46 mortgages, in 16 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $160,000. Of 57 decisions, 6 were denials — 10.5%, most often for credit history.
| Legal Entity Identifier | 549300XV8D5BHDJZY155 |
|---|---|
| Applications received | 60 |
| Mortgages made | 46 |
| Denied | 6 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Bank of the James, 22 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 21 | Not published | $255,000 | 4.4% |
| Refinancing | 14 | Not published | $95,000 | 0.0% |
| Other purposes | 11 | Not published | $65,000 | 26.3% |
Where Bank of the James lends most
The 16 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lynchburg city, VA | 11 | Not published | 0.0% |
| Campbell County, VA | 9 | Under 10 loans | 10.0% |
| Amherst County, VA | 8 | Under 10 loans | 10.0% |
| Bedford County, VA | 6 | Under 10 loans | 25.0% |
| Rockbridge County, VA | 4 | Under 10 loans | 0.0% |
| Nelson County, VA | 2 | Under 10 loans | 0.0% |
| Appomattox County, VA | 1 | Under 10 loans | 0.0% |
| Botetourt County, VA | 1 | Under 10 loans | 0.0% |
| Cumberland County, VA | 1 | Under 10 loans | 0.0% |
| Montgomery County, VA | 1 | Under 10 loans | 0.0% |
| Charlottesville city, VA | 1 | Under 10 loans | 0.0% |
| Lexington city, VA | 1 | Under 10 loans | 0.0% |
| Albemarle County, VA | 0 | Under 10 loans | 100.0% |
| Franklin County, VA | 0 | Under 10 loans | Not published |
| Roanoke County, VA | 0 | Under 10 loans | 0.0% |
| Roanoke city, VA | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.