First Sentinel Bank
First Sentinel Bank received 88 applications in 2025 and made 80 mortgages, in 19 counties across 5 states. The median rate its borrowers got was Not published on a median loan of $115,000. Of 87 decisions, 5 were denials — 5.8%, most often for credit history.
| Legal Entity Identifier | 254900NURL1XA7P0O968 |
|---|---|
| Applications received | 88 |
| Mortgages made | 80 |
| Denied | 5 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 1 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First Sentinel Bank, 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 39 | Not published | $135,000 | 7.0% |
| Refinancing | 14 | Not published | $50,000 | 0.0% |
| Cash-out refinancing | 18 | Not published | $140,000 | 10.0% |
| Other purposes | 9 | Under 10 loans | Under 10 loans | 0.0% |
Where First Sentinel Bank lends most
The 19 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Wythe County, VA | 15 | Not published | 6.3% |
| Tazewell County, VA | 13 | Not published | 12.5% |
| Bland County, VA | 11 | Not published | 0.0% |
| Mercer County, WV | 9 | Under 10 loans | 10.0% |
| Russell County, VA | 6 | Under 10 loans | 14.3% |
| Charleston County, SC | 3 | Under 10 loans | 0.0% |
| Pulaski County, VA | 3 | Under 10 loans | 0.0% |
| Washington County, VA | 3 | Under 10 loans | 0.0% |
| Roanoke city, VA | 3 | Under 10 loans | 0.0% |
| Carroll County, VA | 2 | Under 10 loans | 0.0% |
| Montgomery County, VA | 2 | Under 10 loans | 0.0% |
| Galax city, VA | 2 | Under 10 loans | 0.0% |
| McDowell County, WV | 2 | Under 10 loans | 0.0% |
| Alleghany County, NC | 1 | Under 10 loans | 0.0% |
| Jefferson County, TN | 1 | Under 10 loans | 0.0% |
| Giles County, VA | 1 | Under 10 loans | 0.0% |
| Smyth County, VA | 1 | Under 10 loans | 0.0% |
| Radford city, VA | 1 | Under 10 loans | 0.0% |
| Waynesboro city, VA | 1 | Under 10 loans | 0.0% |
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When First Sentinel 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.