FIRST BANK
FIRST BANK received 499 applications in 2025 and made 350 mortgages, in 62 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $110,000. Of 453 decisions, 77 were denials — 17.0%.
| Legal Entity Identifier | 25490047DXSX2HF6QY47 |
|---|---|
| Applications received | 499 |
| Mortgages made | 350 |
| Denied | 77 |
| Approved, not taken up | 26 |
| Withdrawn or incomplete | 46 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First Bank, 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 88 | Not published | $240,000 | 6.3% |
| Refinancing | 29 | Not published | $165,000 | 11.1% |
| Cash-out refinancing | 54 | Not published | $105,000 | 16.4% |
| Other purposes | 179 | Not published | $105,000 | 22.1% |
Where FIRST BANK lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Shenandoah County, VA | 66 | Not published | 15.7% |
| Frederick County, VA | 50 | Not published | 16.4% |
| Warren County, VA | 21 | Not published | 12.0% |
| Richmond city, VA | 20 | Not published | 0.0% |
| Henrico County, VA | 17 | Not published | 5.6% |
| Botetourt County, VA | 15 | Not published | 25.0% |
| Dinwiddie County, VA | 13 | Not published | 26.3% |
| Staunton city, VA | 13 | Not published | 7.1% |
| Augusta County, VA | 11 | Not published | 7.7% |
| Chesterfield County, VA | 11 | Not published | 25.0% |
| Roanoke County, VA | 9 | Under 10 loans | 0.0% |
| Winchester city, VA | 9 | Under 10 loans | 40.0% |
| Roanoke city, VA | 8 | Under 10 loans | 0.0% |
| Mecklenburg County, VA | 6 | Under 10 loans | 25.0% |
| Salem city, VA | 6 | Under 10 loans | 0.0% |
| Brunswick County, VA | 5 | Under 10 loans | 37.5% |
| Prince George County, VA | 5 | Under 10 loans | 0.0% |
| Petersburg city, VA | 5 | Under 10 loans | 0.0% |
| Bedford County, VA | 4 | Under 10 loans | 20.0% |
| Hanover County, VA | 4 | Under 10 loans | 14.3% |
| Rockingham County, VA | 4 | Under 10 loans | 14.3% |
| Waynesboro city, VA | 4 | Under 10 loans | 42.9% |
| Buckingham County, VA | 3 | Under 10 loans | 50.0% |
| Loudoun County, VA | 3 | Under 10 loans | 25.0% |
| Page County, VA | 3 | Under 10 loans | 25.0% |
| Emporia city, VA | 3 | Under 10 loans | 0.0% |
| Harrisonburg city, VA | 3 | Under 10 loans | 0.0% |
| Martinsville city, VA | 3 | Under 10 loans | 0.0% |
| Clarke County, VA | 2 | Under 10 loans | 0.0% |
| Fauquier County, VA | 2 | Under 10 loans | 0.0% |
| Lunenburg County, VA | 2 | Under 10 loans | 0.0% |
| Covington city, VA | 2 | Under 10 loans | 0.0% |
| Hopewell city, VA | 2 | Under 10 loans | 0.0% |
| Franklin County, NC | 1 | Under 10 loans | 0.0% |
| Person County, NC | 1 | Under 10 loans | 0.0% |
| Warren County, NC | 1 | Under 10 loans | 0.0% |
| Accomack County, VA | 1 | Under 10 loans | 0.0% |
| Alleghany County, VA | 1 | Under 10 loans | 0.0% |
| Charles City County, VA | 1 | Under 10 loans | 0.0% |
| Charlotte County, VA | 1 | Under 10 loans | 0.0% |
| Floyd County, VA | 1 | Under 10 loans | 0.0% |
| Henry County, VA | 1 | Under 10 loans | 0.0% |
| Middlesex County, VA | 1 | Under 10 loans | 0.0% |
| Montgomery County, VA | 1 | Under 10 loans | 0.0% |
| Nelson County, VA | 1 | Under 10 loans | 0.0% |
| Prince Edward County, VA | 1 | Under 10 loans | 50.0% |
| Colonial Heights city, VA | 1 | Under 10 loans | 50.0% |
| Danville city, VA | 1 | Under 10 loans | 0.0% |
| Norfolk city, VA | 1 | Under 10 loans | 0.0% |
| Wilson County, NC | 0 | Under 10 loans | Not published |
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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.