# Old Dominion National Bank

> **Canonical URL:** https://saferate.com/lenders/old-dominion-national-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Old Dominion National Bank is a bank, headquartered in Charlottesville, VA, serving borrowers across 8 states, with 94 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 54% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 61% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300QB357BUUUV7A56
- **Headquarters:** Charlottesville, VA
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** DC, DE, FL, MD, NC, PA, SC, VA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 46/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.198%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,645
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 94
- **Dollar Volume:** $59 million
- **Applications Received:** 104
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $630,745
- **Average Borrower Income:** $301,223
- **Average Property Value:** $954,043

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 47/100 | 79 | -0.189% | $1,639 | Sound ☺️ |
| Jumbo | 64/100 | 14 | -0.278% | $1,768 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 73 loans, Score: 48/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 50/100 | 88 | $55M | -0.177% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 46 | 0.04% | 60/100 |
| VA | 34 | 0.03% | 58/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Arlington | VA-WV | 32 | 60/100 |
| State College, PA | PA | 30 | 75/100 |
| Harrisburg | PA | 11 | 50/100 |

## Where This Lender Ranks

Old Dominion National Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in State College, PA Banks
  - [View Full Rankings](https://saferate.com/state-college-pa/best-mortgage-lenders/banks)
- 🏆 **#5** in State College, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/state-college-pa/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#10** in State College, PA
  - [View Full Rankings](https://saferate.com/state-college-pa/best-mortgage-lenders)
- 🏆 **#12** in State College, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/state-college-pa/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Old Dominion National Bank offer?

Old Dominion National Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Old Dominion National Bank offer mortgages?

Old Dominion National Bank offers mortgages in 8 states: DC, DE, FL, MD, NC, PA, SC, VA.

### How competitive are Old Dominion National Bank's mortgage rates?

Old Dominion National Bank has a pricing score of 46/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.198% below market average.

### What type of lender is Old Dominion National Bank?

Old Dominion National Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Charlottesville, VA.

### What is Old Dominion National Bank's loan approval success rate?

Old Dominion National Bank has a pull-through score of 39/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/old-dominion-national-bank

### How to Cite

> "Old Dominion National Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/old-dominion-national-bank

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