First National Bank
First National Bank received 188 applications in 2025 and made 159 mortgages, in 22 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $115,000. Of 175 decisions, 15 were denials — 8.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493007WCJ9R6VLLYR82 |
|---|---|
| Applications received | 188 |
| Mortgages made | 159 |
| Denied | 15 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 13 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First National Bank, 23 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 89 | Not published | $125,000 | 4.3% |
| Refinancing | 51 | Not published | $115,000 | 5.6% |
| Other purposes | 19 | Not published | $45,000 | 29.6% |
Where First National Bank lends most
The 22 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Danville city, VA | 46 | Not published | 2.1% |
| Pittsylvania County, VA | 32 | Not published | 10.8% |
| Campbell County, VA | 31 | Not published | 16.2% |
| Lynchburg city, VA | 10 | Not published | 0.0% |
| Bedford County, VA | 9 | Under 10 loans | 10.0% |
| Amherst County, VA | 6 | Under 10 loans | 25.0% |
| Caswell County, NC | 4 | Under 10 loans | 0.0% |
| Halifax County, VA | 3 | Under 10 loans | 0.0% |
| Nelson County, VA | 3 | Under 10 loans | 0.0% |
| Horry County, SC | 2 | Under 10 loans | 0.0% |
| Appomattox County, VA | 2 | Under 10 loans | 0.0% |
| Mecklenburg County, VA | 2 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Carteret County, NC | 1 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 1 | Under 10 loans | 0.0% |
| Chesterfield County, VA | 1 | Under 10 loans | 0.0% |
| Franklin County, VA | 1 | Under 10 loans | 0.0% |
| Henry County, VA | 1 | Under 10 loans | 50.0% |
| Orange County, VA | 1 | Under 10 loans | 0.0% |
| Pulaski County, VA | 1 | Under 10 loans | 0.0% |
| Charlottesville city, VA | 1 | Under 10 loans | 0.0% |
| Montgomery County, VA | 0 | Under 10 loans | Not published |
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When First National Bank’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.