Benchmark Community Bank
Benchmark Community Bank received 570 applications in 2025 and made 452 mortgages, in 41 counties across 2 states. The median rate its borrowers got was 7.020% on a median loan of $125,000. Of 538 decisions, 49 were denials — 9.1%, most often for credit history.
| Legal Entity Identifier | 549300JJ8BTDDILW4H12 |
|---|---|
| Applications received | 570 |
| Mortgages made | 452 |
| Denied | 49 |
| Approved, not taken up | 37 |
| Withdrawn or incomplete | 32 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.676 points |
| FDIC-insured bank | Yes: Benchmark Community Bank, 18 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 239 | 6.875% | $205,000 | 5.5% |
| Refinancing | 110 | 7.115% | $105,000 | 9.2% |
| Cash-out refinancing | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 99 | 7.390% | $55,000 | 17.1% |
Where Benchmark Community Bank lends most
The 41 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Mecklenburg County, VA | 89 | 7.190% | 9.6% |
| Halifax County, VA | 70 | 7.240% | 4.8% |
| Lunenburg County, VA | 33 | 7.000% | 14.3% |
| Prince Edward County, VA | 29 | 7.240% | 6.3% |
| Vance County, NC | 28 | 6.490% | 9.4% |
| Nottoway County, VA | 24 | 7.240% | 18.2% |
| Granville County, NC | 21 | 6.490% | 3.9% |
| Brunswick County, VA | 19 | 7.390% | 4.2% |
| Wake County, NC | 18 | 6.625% | 4.8% |
| Franklin County, NC | 17 | 6.500% | 0.0% |
| Warren County, NC | 13 | 6.690% | 0.0% |
| Charlotte County, VA | 12 | 7.165% | 14.3% |
| Amelia County, VA | 10 | 7.340% | 16.7% |
| Buckingham County, VA | 10 | 7.170% | 0.0% |
| Cumberland County, VA | 9 | Under 10 loans | 18.2% |
| Greensville County, VA | 9 | Under 10 loans | 10.0% |
| Emporia city, VA | 7 | Under 10 loans | 12.5% |
| Durham County, NC | 6 | Under 10 loans | 0.0% |
| Nash County, NC | 3 | Under 10 loans | 0.0% |
| Northampton County, NC | 3 | Under 10 loans | 20.0% |
| Halifax County, NC | 2 | Under 10 loans | 33.3% |
| Person County, NC | 2 | Under 10 loans | 0.0% |
| Dinwiddie County, VA | 2 | Under 10 loans | 33.3% |
| Sussex County, VA | 2 | Under 10 loans | 0.0% |
| Brunswick County, NC | 1 | Under 10 loans | 0.0% |
| Craven County, NC | 1 | Under 10 loans | 0.0% |
| Harnett County, NC | 1 | Under 10 loans | 0.0% |
| Johnston County, NC | 1 | Under 10 loans | 66.7% |
| Mecklenburg County, NC | 1 | Under 10 loans | 0.0% |
| Orange County, NC | 1 | Under 10 loans | 0.0% |
| Pender County, NC | 1 | Under 10 loans | 0.0% |
| Stanly County, NC | 1 | Under 10 loans | 0.0% |
| Bedford County, VA | 1 | Under 10 loans | 50.0% |
| Pittsylvania County, VA | 1 | Under 10 loans | 0.0% |
| Powhatan County, VA | 1 | Under 10 loans | 0.0% |
| Southampton County, VA | 1 | Under 10 loans | 0.0% |
| Danville city, VA | 1 | Under 10 loans | 0.0% |
| Lynchburg city, VA | 1 | Under 10 loans | 0.0% |
| Chatham County, NC | 0 | Under 10 loans | Not published |
| Albemarle County, VA | 0 | Under 10 loans | Not published |
| Colonial Heights 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.