The Old Point National Bank of Phoebus
The Old Point National Bank of Phoebus received 59 applications in 2025 and made 48 mortgages, in 20 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $170,000. Of 57 decisions, 6 were denials — 10.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300CPWNBJ0UCBZ853 |
|---|---|
| Applications received | 59 |
| Mortgages made | 48 |
| Denied | 6 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 2 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 16 | Not published | $405,000 | 5.6% |
| Refinancing | 14 | Not published | $135,000 | 0.0% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 17 | Not published | $65,000 | 22.7% |
Where The Old Point National Bank of Phoebus lends most
The 20 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Virginia Beach city, VA | 11 | Not published | 0.0% |
| Hampton city, VA | 6 | Under 10 loans | 14.3% |
| Newport News city, VA | 4 | Under 10 loans | 33.3% |
| Isle of Wight County, VA | 3 | Under 10 loans | 25.0% |
| Chesapeake city, VA | 3 | Under 10 loans | 25.0% |
| Suffolk city, VA | 3 | Under 10 loans | 25.0% |
| Dare County, NC | 2 | Under 10 loans | 0.0% |
| James City County, VA | 2 | Under 10 loans | 0.0% |
| Norfolk city, VA | 2 | Under 10 loans | 0.0% |
| Portsmouth city, VA | 2 | Under 10 loans | 0.0% |
| Camden County, NC | 1 | Under 10 loans | 0.0% |
| Currituck County, NC | 1 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 1 | Under 10 loans | 0.0% |
| Gloucester County, VA | 1 | Under 10 loans | 0.0% |
| New Kent County, VA | 1 | Under 10 loans | 0.0% |
| Smyth County, VA | 1 | Under 10 loans | 0.0% |
| Spotsylvania County, VA | 1 | Under 10 loans | 0.0% |
| York County, VA | 1 | Under 10 loans | 0.0% |
| Poquoson city, VA | 1 | Under 10 loans | 0.0% |
| Williamsburg city, VA | 1 | Under 10 loans | 0.0% |
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When The Old Point National Bank of Phoebus’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.