Lender in Virginia · HMDA 2025
NBKC Bank mortgages in Virginia
NBKC Bank's 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
NBKC Bank originated 238 owner-occupied single-family loans in Virginia from 273 completed applications.
Its median conventional purchase loan costs were $3,810 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.49% (Virginia: 6.625%).
Loans in VA
238
of 273 applications
Denial rate
8.0%
Purchase · VA 6.9%
Rate spread
−0.11 pts
Conv. · VA +0.10 pts
Loan amount
$435,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 162 | 149 | 8.0% | 6.490% | −0.11 pts | $3,810 | $435,000 |
| Refinance | 92 | 75 | 15.2% | 6.125% | −0.27 pts | $2,050 | $515,000 |
| Cash-out refinance | 19 | 14 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where NBKC Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Grayson County | 12 | 2 | 1.4% |
| Mathews County | 12 | 2 | 1.6% |
| Rockbridge County | 17 | 3 | 1.2% |
| Greene County | 22 | 3 | 0.8% |
| Poquoson city | 23 | 3 | 1.0% |
| King and Queen County | 23 | 1 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology