U.S. Mortgage Index

← Back to institutions

Public institution profile · Bank · Not a recommendation

TowneBank

BankPortsmouth, VAActive

FDIC certificate 35095

Data observedAugust 5, 2026Section records may have different source dates.

Identifiers, verification, and corrections

Stable identifiers

Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.

FDIC certificate
35095
company ID
Not published — no verified match
More identifiers
Federal Reserve
2797724
OCC charter number
Not published — no verified match
Not published — no verified match
Official website
https://www.townebank.com

Verify at FDICVerify at FFIEC NIC / regulator

Identity verified through FDIC; additional sources pendingVerification describes the U.S. Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology

Profile notes

This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.

Data correction

Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.

Request a correction

At a glance

Institution type
Bank
Status
Active
Headquarters
Portsmouth, VA
HMDA activity
Published activity year 2025
Listed branch locations
98
Complaint records
CFPB search status is not currently available.
CRA examinations
Outstanding, exam February 1, 2026
Institution history
15 published events

What USMI publishes

Public records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.

Institution type
Bank
Status
Active
Headquarters
Portsmouth, VA
activity
Published activity year 2025
Listed branch locations
98
Complaint records
CFPB search status is not currently available.
CRA examinations
Outstanding, exam February 1, 2026
Institution history
15 published events

Mortgage FAQ: How can I check whether a company or person can make or broker mortgage loans? This is general mortgage education, not a finding about this institution.

What this profile is not

  • Not a lender recommendation or ranking.
  • Not a mortgage rate sheet or quote.
  • Not an underwriting, approval, or eligibility decision.
  • Not proof of an NMLS license unless a verified NMLS company ID/source is specifically published.
  • Not a complaint-resolution channel.
  • Missing source blocks do not establish that an institution lacks an activity, identifier, license or regulatory record.

HMDA

Mortgage activity

Reported records for the selected year. These figures are not a lender score.

7,489reported records

5,837reported originations

2025 reported mortgage activity. Source: HMDA.

HMDA2025The year selector below shows each published activity year.

Ask about this activity

activity

Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.

Geographynationwide

HMDA source observed2026-08-09

HMDA records

7,489

2025

Loan originations

5,837

2025

Denials

425

2025

Withdrawals

994

2025

Denial rate among decisioned applications

6.6%

2025

Annual history

Scroll sideways to review every HMDA column.

Annual HMDA activity history
YearHMDA recordsOriginationsApproved but not acceptedDenialsWithdrawalsDenial rate
20257,4895,8371364259946.6%
20246,5065,063893398576.2%
20236,1604,7791163128356.0%
20228,4916,7291464121,0485.7%
202116,60613,4721746921,7354.8%
202018,34915,0041424472,1982.9%
201911,4389,0711104751,4504.9%
201811,8519,0631005241,7925.4%

Detailed activity

Loan type and purpose

Loan type and purpose breakdown for 2025
CategoryHMDA records
Conventional5,682
FHA1,057
VA700
RHS / FSA50
Home purchase5,529
Home improvement677
Refinancing622
Cash-out refinancing335

State reporting

20 states / territories reported

How to read these figures

HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.

CFPB

CFPB consumer submissions

Complaints are consumer submissions and are not findings of wrongdoing.

CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.

Ask about these complaints

CFPB Mortgage Complaint Activity

Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.

Total CFPB mortgage complaint records

15

Coverage start

December 1, 2012

Data through

August 20, 2026

Annual activity

CFPB mortgage complaint records by year
YearComplaint records
20192
20203
20212
20221
20232
20254
20261

Leading issues

  1. Trouble during payment process

    None

    4

  2. Closing on a mortgage

    None

    3

  3. Trouble during payment process

    Trying to communicate with the company to fix an issue while managing or servicing your loan

    2

  4. Applying for a mortgage or refinancing an existing mortgage

    Changes in loan terms during the application process

    1

  5. Applying for a mortgage or refinancing an existing mortgage

    Confusing or misleading advertising or marketing

    1

View all issues (9)

  1. Applying for a mortgage or refinancing an existing mortgage

    None

    1

  2. Applying for a mortgage or refinancing an existing mortgage

    Trying to communicate with the company to fix an issue with the application process

    1

  3. Closing on a mortgage

    Fees or costs after closing

    1

  4. Improper use of your report

    Reporting company used your report improperly

    1

States

  1. Maryland

    5

  2. Virginia

    5

  3. North Carolina

    2

  4. District of Columbia

    1

  5. Georgia

    1

View all states (6)

  1. Texas

    1

Company response

  1. Closed with explanation

    11

  2. Closed with monetary relief

    3

  3. Closed with non-monetary relief

    1

Timely response

Timely-response figures are a count distribution as reported to CFPB, not a score.

  1. Yes

    15

How to read these figures

Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing. CFPB complaint records are submissions received by the Consumer Financial Protection Bureau. Complaint volume does not establish misconduct or wrongdoing. Counts can be influenced by company size, mortgage servicing volume, time in operation, consumer awareness and reporting, and corporate reporting structure. U.S. Mortgage Index does not treat complaint allegations as independently verified facts.

Read the methodology

Learn more: What can I do if I think a mortgage lender discriminated against me? This is general mortgage education, not a finding about this institution.

Regulatory records

Regulatory & institutional records

Only records that apply to this institution are shown. Identifiers stay as published.

FFIEC NICAugust 19, 2026Observed date for the NIC institution record.

Ask about this regulatory record

Institution identity

FDIC BankFind baseline

FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.

Legal name
TowneBank
Display name
TowneBank
Institution status
Active
FDIC insured
Yes
FDIC insured since
April 8, 1999
Established date
April 8, 1999
Charter class
State-chartered commercial bank, not a member of the Federal Reserve System (FRS)
Primary federal regulator
Federal Deposit Insurance Corporation
Headquarters
Portsmouth, VA, 23703, United States
Website
https://www.townebank.com
FDIC certificate number
35095
Federal Reserve
2797724
Domestic location count
93
Source observed
August 5, 2026

Regulatory information

Regulatory profile

Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.

Regulatory identity

Institution status
ACTIVE
Primary federal regulator
FDIC
Institution type
Non-member Bank
Primary activity
NAICS 52211
FDIC certificate
35095
Federal Reserve
2797724
Headquarters
5716 High Street West, Portsmouth, VA, 23703, United States
Primary deposit insurer
Deposit Insurance Fund (DIF)
Source observed
August 19, 2026

Community Reinvestment Act (CRA)

Latest available CRA evaluation

Rating
Outstanding
Exam date
February 1, 2026
Regulator
FDIC
Examination method
Large Bank Exam

This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.

CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.

Historical CRA evaluations

Scroll sideways to see every CRA examination column.

Historical CRA evaluations
Exam dateCRA ratingRegulatorExamination method
February 1, 2026OutstandingFDICLarge Bank Exam
September 1, 2023OutstandingFDICLarge Bank Exam
May 1, 2020OutstandingFDICLarge Bank Exam
April 1, 2017OutstandingFDICLarge Bank Exam
May 1, 2014OutstandingFDICLarge Bank Exam
February 1, 2011OutstandingFDICLarge Bank Exam
August 1, 2007OutstandingFDICLarge Bank Exam
June 1, 2004SatisfactoryFDICLarge Bank Exam
July 1, 2001SatisfactoryFDICSmall Bank

Read the methodology

Formal hierarchy

FFIEC NIC hierarchy rows

2

Showing 1 through 2 of 2 relationship records

FFIEC NIC organizational relationships
RelationshipInstitutionTypeLocation
Direct relationshipTOWNE TRUST COMPANY, NATIONAL ASSOCIATIONNon-deposit Trust Company - MemberNewport News, VA
ROOT_INSTITUTIONTOWNEBANKNon-member BankPortsmouth, VA

These rows are the FFIEC NIC formal hierarchy. They are not branch locations and they are not the separate institution-relationship records.

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

Additional profile fields

Fields below supplement the primary source baseline and are shown only when present on the public profile.

Entity type
FDIC-insured state-chartered nonmember bank

Locations

Branch and office locations

Start with the published count and primary location. Search stays paged so the first view stays readable.

FFIEC NIC branchesAugust 19, 2026Branch rows are paged. Filters stay in the page address.

Ask about these locations

Branch locations

Listed locations from FFIEC NIC. Counts use the published branch record, not a store locator.

Branch network

Listed locations

98

Showing 1 through 50 of 98 listed locations

Scroll sideways to see every branch column.

Showing 1 through 50 of 98 FFIEC NIC branch locations
BranchAddressCityStatePostal code
CAMDEN BRANCH178 U.s. 158 WestCamdenNC27921
CARY BRANCH3791 NW Cary ParkwayCaryNC27513
CARY DOWNTOWN BRANCH100 Walnut StreetCaryNC27511
ARROWOOD BRANCH800 East Arrowood RoadCharlotteNC28217
BALLANTYNE BRANCH13900 Conlan CircleCharlotteNC28277
CHARLOTTE BRANCH6337 Carnegie BoulevardCharlotteNC28211
CHARLOTTE BRANCH5955 Carnegie BlvdCharlotteNC28209
MYERS PARK BRANCH150 Providence Rd.CharlotteNC28207
COROLLA BRANCH824 Ocean TrailCorollaNC27927
DALLAS BRANCH202 West Trade StreetDallasNC28034
DUCK BRANCH1203 Duck RoadDuckNC27949
FAYETTEVILLE BRANCH225 Green StreetFayettevilleNC28301
FRANKLIN BRANCH143 Porter StreetFranklinNC28734
GRANDY BRANCH6670 Caratoke HwyGrandyNC27939
GREENSBORO BRANCH628 Green Valley RoadGreensboroNC27408
GREENVILLE BRANCH1000 Red Banks RoadGreenvilleNC27858
SOUTHERN SHORES BRANCH2 Juniper TrailKitty HawkNC27949
MOREHEAD CITY BRANCH5039 Executive DriveMoorehead CityNC28557
MOYOCK BRANCH250 Caratoke HwyMoyockNC27958
NAGS HEAD BRANCH2525 S. Croatan HighwayNags HeadNC27959
NORTH RIDGE BRANCH7100 Falls OF Neuse RoadRaleighNC27615
RALEIGH BRANCH3535 Glenwood Ave.RaleighNC27612
SIX FORKS BRANCH5401 Six Forks Road, Suite 100RaleighNC27609
SANFORD BRANCH2222 Jefferson Davis HwySanfordNC27332
WILMINGTON BRANCH1131 C Military Cutoff RoadWilmingtonNC28405
GREENVILLE BRANCH4051 South Memorial DriveWintervilleNC28590
ANDERSON BRANCH4002 Clemson BlvdAndersonSC29621
GREENVILLE BRANCH210 Brendan WayGreenvilleSC29615
NORTH SENECA BRANCH449 Highway 123SenecaSC29678
SENECA BRANCH1600 Sandifer BoulevardSenecaSC29678
WALHALLA BRANCH3685 Blue Ridge BlvdWalhallaSC29691
WESTMINSTER-WEST BRANCH306 East Windsor StreetWestminsterSC29693
WILLIAMSTON BRANCH208 East Main StreetWilliamstonSC29697
ELK AVENUE BRANCH632 East Elk AvenueElizabethtonTN37643
JOHNSON CITY BRANCH1811 W State OF Franklin RoadJohnson CityTN37604
SLIDING HILL BRANCH10035 Sliding Hill RoadAshlandVA23005
EAGLE HARBOR BRANCH13489 Carrollton BoulevardCarrolltonVA23314
CHESAPEAKE BRANCH821 N. Battlefield BlvdChesapeakeVA23320
EDEN WAY BRANCH740 Eden WayChesapeakeVA23320
GREAT BRIDGE BRANCH137 Mount Pleasant RoadChesapeakeVA23322
GREENBRIER BRANCH1312 Greenbrier ParkwayChesapeakeVA23320
CHESTER BRANCH4221 W Hundred RDChesterVA23831
IRON BRIDGE ROAD BRANCH9761 Iron Bridge RoadChesterfieldVA23832
COURTLAND BRANCH28319 Southampton Parkway, Suite DCourtlandVA23837
GLEN ALLEN BRANCH4501 Cox RoadGlen AllenVA23060
DOWNTOWN HAMPTON BRANCH101 East Queen StreetHamptonVA23669
EXECUTIVE TOWERS BRANCH2101 Executive DriveHamptonVA23666
HAMPTON BRANCH550 Settlers Landing RDHamptonVA23669
HAMPTON DOWNTOWN BRANCH1 West Mellen StreetHamptonVA23663
WOODLAND BRANCH347 Woodland RoadHamptonVA23669

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

History

Institution history

Events are listed by date. The source event type is kept with the record.

HistoryAugust 19, 2026Event dates come from the source row. The observed date is when USMI reviewed the file.

Ask about this history

Institution history

History events from FFIEC NIC, newest first. USMI does not add a merger or failure narrative.

Institutional history

FFIEC NIC history events

15

Showing 1 through 15 of 15 history events

FFIEC NIC institutional history events
Event dateEvent typeRelated institution
January 12, 2026Charter Discontinued (Merger or Purchase & Assumption)—
September 1, 2025Charter Discontinued (Merger or Purchase & Assumption)OLD POINT FINANCIAL CORPORATION
September 1, 2025Charter Discontinued (Merger or Purchase & Assumption)—
April 1, 2025Charter Discontinued (Merger or Purchase & Assumption)VILLAGE BANK AND TRUST FINANCIAL CORP.
April 1, 2025Charter Discontinued (Merger or Purchase & Assumption)—
January 14, 2023Charter Discontinued (Merger or Purchase & Assumption)FARMERS BANKSHARES, INC.
January 14, 2023Charter Discontinued (Merger or Purchase & Assumption)—
January 27, 2018Charter Discontinued (Merger or Purchase & Assumption)PARAGON COMMERCIAL CORPORATION
January 27, 2018Charter Discontinued (Merger or Purchase & Assumption)—
June 25, 2016Charter Discontinued (Merger or Purchase & Assumption)MONARCH FINANCIAL HOLDINGS, INC
June 25, 2016Charter Discontinued (Merger or Purchase & Assumption)MONARCH BANK
January 3, 2015Charter Discontinued (Merger or Purchase & Assumption)FRANKLIN FINANCIAL CORPORATION
January 3, 2015Charter Discontinued (Merger or Purchase & Assumption)—
December 4, 2010Charter Discontinued (Merger or Purchase & Assumption)—
March 20, 2004Charter Discontinued (Merger or Purchase & Assumption)—

These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

SourcesEach source keeps its own observed date. Dates are not combined into one profile date.

Ask about these sources

Sources & methodology

Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.

CFPB Consumer Complaint Database search

Consumer Financial Protection Bureau

Source reviewed2026-08-05

Limitation

Complaint records are consumer submissions. A complaint is not proof of wrongdoing, and absence from this profile is not proof that no complaint exists elsewhere.

Methodology

HMDA modified LAR

Consumer Financial Protection Bureau

Source reviewed2026-08-05

Limitation

HMDA counts describe reported records for the published geography and year. They are not a quality score or a market-rank.

Methodology

Cite this profile

Related research pages