NATIONAL BANKSHARES, INC.
NATIONAL BANKSHARES, INC. received 297 applications in 2025 and made 261 mortgages, in 38 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $175,000. Of 292 decisions, 9 were denials — 3.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300Q745S62Q6QNW78 |
|---|---|
| Applications received | 297 |
| Mortgages made | 261 |
| Denied | 9 |
| Approved, not taken up | 22 |
| Withdrawn or incomplete | 5 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 140 | Not published | $205,000 | 2.0% |
| Refinancing | 67 | Not published | $175,000 | 2.7% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Other purposes | 46 | Not published | $90,000 | 5.6% |
Where NATIONAL BANKSHARES, INC. lends most
The 38 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Montgomery County, VA | 71 | Not published | 1.3% |
| Giles County, VA | 31 | Not published | 0.0% |
| Pulaski County, VA | 29 | Not published | 3.3% |
| Tazewell County, VA | 26 | Not published | 0.0% |
| Roanoke city, VA | 18 | Not published | 5.3% |
| Washington County, VA | 10 | Not published | 0.0% |
| Lynchburg city, VA | 9 | Under 10 loans | 0.0% |
| Carroll County, VA | 7 | Under 10 loans | 0.0% |
| Galax city, VA | 5 | Under 10 loans | 0.0% |
| Radford city, VA | 5 | Under 10 loans | 0.0% |
| Mercer County, WV | 5 | Under 10 loans | 12.5% |
| Augusta County, VA | 4 | Under 10 loans | 0.0% |
| Bedford County, VA | 4 | Under 10 loans | 0.0% |
| Roanoke County, VA | 4 | Under 10 loans | 20.0% |
| Grayson County, VA | 3 | Under 10 loans | 0.0% |
| Russell County, VA | 3 | Under 10 loans | 0.0% |
| Salem city, VA | 3 | Under 10 loans | 0.0% |
| Franklin County, VA | 2 | Under 10 loans | 0.0% |
| Nelson County, VA | 2 | Under 10 loans | 0.0% |
| Wythe County, VA | 2 | Under 10 loans | 0.0% |
| Charlottesville city, VA | 2 | Under 10 loans | 0.0% |
| Waynesboro city, VA | 2 | Under 10 loans | 0.0% |
| Horry County, SC | 1 | Under 10 loans | 0.0% |
| Sullivan County, TN | 1 | Under 10 loans | 0.0% |
| Albemarle County, VA | 1 | Under 10 loans | 0.0% |
| Bland County, VA | 1 | Under 10 loans | 33.3% |
| Floyd County, VA | 1 | Under 10 loans | 50.0% |
| Orange County, VA | 1 | Under 10 loans | 0.0% |
| Scott County, VA | 1 | Under 10 loans | 0.0% |
| Bristol city, VA | 1 | Under 10 loans | 0.0% |
| Buena Vista city, VA | 1 | Under 10 loans | 0.0% |
| Harrisonburg city, VA | 1 | Under 10 loans | 0.0% |
| Staunton city, VA | 1 | Under 10 loans | 50.0% |
| Monongalia County, WV | 1 | Under 10 loans | 0.0% |
| Monroe County, WV | 1 | Under 10 loans | 0.0% |
| Summers County, WV | 1 | Under 10 loans | 0.0% |
| Campbell County, VA | 0 | Under 10 loans | 0.0% |
| McDowell County, WV | 0 | Under 10 loans | 50.0% |
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When NATIONAL BANKSHARES, INC.’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.