The Bank of Charlotte County
The Bank of Charlotte County received 76 applications in 2025 and made 58 mortgages, in 21 counties across 2 states. The median rate its borrowers got was 7.390% on a median loan of $135,000. Of 73 decisions, 12 were denials — 16.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 54930064WT3GIUWM7H79 |
|---|---|
| Applications received | 76 |
| Mortgages made | 58 |
| Denied | 12 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.135 points |
| FDIC-insured bank | Yes: The Bank of Charlotte County, 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 37 | 7.390% | $155,000 | 18.8% |
| Refinancing | 16 | 7.390% | $115,000 | 10.5% |
| Other purposes | 5 | Under 10 loans | Under 10 loans | 16.7% |
Where The Bank of Charlotte County lends most
The 21 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Charlotte County, VA | 14 | 7.390% | 12.5% |
| Mecklenburg County, VA | 8 | Under 10 loans | 20.0% |
| Campbell County, VA | 6 | Under 10 loans | 25.0% |
| Buckingham County, VA | 5 | Under 10 loans | 0.0% |
| Halifax County, VA | 5 | Under 10 loans | 12.5% |
| Prince Edward County, VA | 5 | Under 10 loans | 0.0% |
| Lunenburg County, VA | 4 | Under 10 loans | 20.0% |
| Page County, VA | 2 | Under 10 loans | 0.0% |
| Wake County, NC | 1 | Under 10 loans | 0.0% |
| Appomattox County, VA | 1 | Under 10 loans | 0.0% |
| Brunswick County, VA | 1 | Under 10 loans | 0.0% |
| Cumberland County, VA | 1 | Under 10 loans | 0.0% |
| Franklin County, VA | 1 | Under 10 loans | 0.0% |
| Goochland County, VA | 1 | Under 10 loans | 0.0% |
| Henrico County, VA | 1 | Under 10 loans | 0.0% |
| Surry County, VA | 1 | Under 10 loans | 0.0% |
| Danville city, VA | 1 | Under 10 loans | 0.0% |
| Amherst County, VA | 0 | Under 10 loans | 50.0% |
| Nelson County, VA | 0 | Under 10 loans | 100.0% |
| Nottoway County, VA | 0 | Under 10 loans | 100.0% |
| Pittsylvania County, VA | 0 | Under 10 loans | 100.0% |
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When The Bank of Charlotte County’s figures are published for the next year, or restated.
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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.