First National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
First National Bank 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First National Bank P O Box 600 Christiansburg, VA 24068 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 2,380 |
| Total Mortgage Loan Application Amount | $331,887,000 |
| Average Mortgage Loan Application Amount | $171,409 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $94,318 |
| Highest Applicant Income | $1,274,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with First National Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First National Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down First National Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First National Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First National Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First National Bank's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Montgomery County Virginia | 425 | $ 53,850,000 | $ 126,000 | $ 57,000 |
| Greenville County South Carolina | 258 | $ 35,869,000 | $ 139,000 | $ 54,000 |
| Pulaski County Virginia | 142 | $ 14,313,000 | $ 100,000 | $ 52,000 |
| Anderson County South Carolina | 100 | $ 11,832,000 | $ 118,000 | $ 57,000 |
| Wythe County Virginia | 93 | $ 9,425,000 | $ 101,000 | $ 42,000 |
| Radford County Virginia | 80 | $ 14,634,000 | $ 182,000 | $ 53,000 |
| Giles County Virginia | 78 | $ 6,680,000 | $ 85,000 | $ 43,000 |
| Floyd County Virginia | 74 | $ 9,009,000 | $ 121,000 | $ 50,000 |
| Bedford County Virginia | 67 | $ 12,818,000 | $ 191,000 | $ 82,000 |
| Roanoke County Virginia | 66 | $ 11,157,000 | $ 169,000 | $ 63,000 |
| Franklin County Virginia | 58 | $ 12,636,000 | $ 217,000 | $ 66,000 |
| Spartanburg County South Carolina | 55 | $ 6,362,000 | $ 115,000 | $ 51,000 |
| Pickens County South Carolina | 52 | $ 6,725,000 | $ 129,000 | $ 63,000 |
| Botetourt County Virginia | 47 | $ 7,210,000 | $ 153,000 | $ 69,000 |
| Rockbridge County Virginia | 46 | $ 7,560,000 | $ 164,000 | $ 61,000 |
| Augusta County Virginia | 36 | $ 6,395,000 | $ 177,000 | $ 99,000 |
| Alleghany County Virginia | 33 | $ 3,822,000 | $ 115,000 | $ 52,000 |
| Roanoke City County Virginia | 30 | $ 4,004,000 | $ 133,000 | $ 77,000 |
| Salem County Virginia | 28 | $ 4,604,000 | $ 164,000 | $ 149,000 |
| Buena Vista County Virginia | 26 | $ 2,699,000 | $ 103,000 | $ 43,000 |
| Oconee County South Carolina | 25 | $ 5,413,000 | $ 216,000 | $ 101,000 |
| Greenbrier County West Virginia | 24 | $ 3,051,000 | $ 127,000 | $ 59,000 |
| York County South Carolina | 23 | $ 3,553,000 | $ 154,000 | $ 67,000 |
| Carroll County Virginia | 22 | $ 2,785,000 | $ 126,000 | $ 60,000 |
| Washington County Virginia | 20 | $ 2,819,000 | $ 140,000 | $ 65,000 |
| Charleston County South Carolina | 19 | $ 3,451,000 | $ 181,000 | $ 81,000 |
| Jackson County North Carolina | 18 | $ 4,075,000 | $ 226,000 | $ 128,000 |
| Grayson County Virginia | 18 | $ 2,128,000 | $ 118,000 | $ 36,000 |
| Berkeley County South Carolina | 17 | $ 1,968,000 | $ 115,000 | $ 56,000 |
| Horry County South Carolina | 16 | $ 3,210,000 | $ 200,000 | $ 89,000 |
| Tazewell County Virginia | 16 | $ 1,943,000 | $ 121,000 | $ 59,000 |
| Covington County Virginia | 15 | $ 983,000 | $ 65,000 | $ 41,000 |
| Henry County Virginia | 15 | $ 2,016,000 | $ 134,000 | $ 51,000 |
| Lexington County Virginia | 14 | $ 2,440,000 | $ 174,000 | $ 64,000 |
| Patrick County Virginia | 14 | $ 1,803,000 | $ 128,000 | $ 59,000 |
| Transylvania County North Carolina | 11 | $ 1,490,000 | $ 135,000 | $ 80,000 |
| Galax County Virginia | 10 | $ 880,000 | $ 88,000 | $ 41,000 |
| Waynesboro County Virginia | 10 | $ 1,258,000 | $ 125,000 | $ 55,000 |
| Surry County North Carolina | 9 | $ 1,168,000 | $ 129,000 | $ 71,000 |
| Wake County North Carolina | 9 | $ 1,574,000 | $ 174,000 | $ 81,000 |
| Bedford City County Virginia | 9 | $ 1,195,000 | $ 132,000 | $ 57,000 |
| Campbell County Virginia | 9 | $ 1,197,000 | $ 133,000 | $ 71,000 |
| Bland County Virginia | 8 | $ 573,000 | $ 71,000 | $ 56,000 |
| Craig County Virginia | 8 | $ 1,019,000 | $ 127,000 | $ 49,000 |
| Staunton County Virginia | 8 | $ 837,000 | $ 104,000 | $ 37,000 |
| Martinsville County Virginia | 7 | $ 478,000 | $ 68,000 | $ 41,000 |
| Monroe County West Virginia | 7 | $ 898,000 | $ 128,000 | $ 51,000 |
| Dorchester County South Carolina | 6 | $ 860,000 | $ 143,000 | $ 73,000 |
| Richland County South Carolina | 6 | $ 812,000 | $ 135,000 | $ 82,000 |
| Russell County Virginia | 6 | $ 914,000 | $ 152,000 | $ 59,000 |
| Beaufort County South Carolina | 5 | $ 2,681,000 | $ 536,000 | $ 231,000 |
| Amherst County Virginia | 5 | $ 875,000 | $ 175,000 | $ 78,000 |
| Fluvanna County Virginia | 5 | $ 1,118,000 | $ 223,000 | $ 77,000 |
| Greene County Virginia | 5 | $ 791,000 | $ 158,000 | $ 65,000 |
| Henrico County Virginia | 5 | $ 686,000 | $ 137,000 | $ 86,000 |
| Macon County North Carolina | 4 | $ 616,000 | $ 154,000 | $ 87,000 |
| Mecklenburg County North Carolina | 4 | $ 618,000 | $ 154,000 | $ 62,000 |
| Greenwood County South Carolina | 4 | $ 639,000 | $ 159,000 | $ 66,000 |
| Laurens County South Carolina | 4 | $ 416,000 | $ 104,000 | $ 87,000 |
| Lexington County South Carolina | 4 | $ 394,000 | $ 98,000 | $ 59,000 |
| Newberry County South Carolina | 4 | $ 798,000 | $ 199,000 | $ 74,000 |
| Sullivan County Tennessee | 4 | $ 444,000 | $ 111,000 | $ 84,000 |
| Albemarle County Virginia | 4 | $ 878,000 | $ 219,000 | $ 68,000 |
| Bristol County Virginia | 4 | $ 520,000 | $ 130,000 | $ 64,000 |
| Nelson County Virginia | 4 | $ 807,000 | $ 201,000 | $ 140,000 |
| Smyth County Virginia | 4 | $ 475,000 | $ 118,000 | $ 54,000 |
| Carteret County North Carolina | 3 | $ 577,000 | $ 192,000 | $ 115,000 |
| Payne County Oklahoma | 3 | $ 939,000 | $ 313,000 | $ 141,000 |
| Frederick County Virginia | 3 | $ 467,000 | $ 155,000 | $ 48,000 |
| Halifax County Virginia | 3 | $ 353,000 | $ 117,000 | $ 60,000 |
| Louisa County Virginia | 3 | $ 413,000 | $ 137,000 | $ 55,000 |
| Howard County Maryland | 2 | $ 366,000 | $ 183,000 | $ 101,000 |
| Alleghany County North Carolina | 2 | $ 163,000 | $ 81,000 | $ 68,000 |
| Brunswick County North Carolina | 2 | $ 783,000 | $ 391,000 | $ 201,000 |
| Guilford County North Carolina | 2 | $ 430,000 | $ 215,000 | $ 106,000 |
| Aiken County South Carolina | 2 | $ 257,000 | $ 128,000 | $ 57,000 |
| Chester County South Carolina | 2 | $ 279,000 | $ 139,000 | $ 49,000 |
| Colleton County South Carolina | 2 | $ 131,000 | $ 65,000 | $ 34,000 |
| Edgefield County South Carolina | 2 | $ 237,000 | $ 118,000 | $ 52,000 |
| Florence County South Carolina | 2 | $ 322,000 | $ 161,000 | $ 80,000 |
| Georgetown County South Carolina | 2 | $ 372,000 | $ 186,000 | $ 86,000 |
| Sumter County South Carolina | 2 | $ 476,000 | $ 238,000 | $ 83,000 |
| Union County South Carolina | 2 | $ 144,000 | $ 72,000 | $ 66,000 |
| Knox County Tennessee | 2 | $ 524,000 | $ 262,000 | $ 88,000 |
| Charlottesville County Virginia | 2 | $ 305,000 | $ 152,000 | $ 38,000 |
| Fairfax County Virginia | 2 | $ 161,000 | $ 80,000 | $ 99,000 |
| Hampton County Virginia | 2 | $ 266,000 | $ 133,000 | $ 89,000 |
| Lynchburg County Virginia | 2 | $ 260,000 | $ 130,000 | $ 52,000 |
| Rockingham County Virginia | 2 | $ 330,000 | $ 165,000 | $ 48,000 |
| Mercer County West Virginia | 2 | $ 169,000 | $ 84,000 | $ 40,000 |
| Monongalia County West Virginia | 2 | $ 225,000 | $ 112,000 | $ 58,000 |
| Summers County West Virginia | 2 | $ 300,000 | $ 150,000 | $ 57,000 |
| Boulder County Colorado | 1 | $ 200,000 | $ 200,000 | $ 40,000 |
| Pinellas County Florida | 1 | $ 122,000 | $ 122,000 | $ 90,000 |
| Volusia County Florida | 1 | $ 359,000 | $ 359,000 | $ 678,000 |
| Clarke County Georgia | 1 | $ 160,000 | $ 160,000 | $ 52,000 |
| DeKalb County Georgia | 1 | $ 280,000 | $ 280,000 | $ 71,000 |
| Gwinnett County Georgia | 1 | $ 275,000 | $ 275,000 | $ 175,000 |
| Hancock County Georgia | 1 | $ 87,000 | $ 87,000 | $ 91,000 |
| Hart County Georgia | 1 | $ 114,000 | $ 114,000 | $ 161,000 |
| Rockdale County Georgia | 1 | $ 179,000 | $ 179,000 | $ 53,000 |
| Fayette County Kentucky | 1 | $ 317,000 | $ 317,000 | $ 124,000 |
| Alamance County North Carolina | 1 | $ 122,000 | $ 122,000 | $ 50,000 |
| Avery County North Carolina | 1 | $ 188,000 | $ 188,000 | $ 229,000 |
| Buncombe County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 69,000 |
| Chatham County North Carolina | 1 | $ 260,000 | $ 260,000 | $ 127,000 |
| Craven County North Carolina | 1 | $ 159,000 | $ 159,000 | $ 40,000 |
| Dare County North Carolina | 1 | $ 236,000 | $ 236,000 | $ 92,000 |
| Durham County North Carolina | 1 | $ 154,000 | $ 154,000 | $ 56,000 |
| Forsyth County North Carolina | 1 | $ 200,000 | $ 200,000 | $ 83,000 |
| Granville County North Carolina | 1 | $ 327,000 | $ 327,000 | $ 91,000 |
| Harnett County North Carolina | 1 | $ 167,000 | $ 167,000 | $ 75,000 |
| Haywood County North Carolina | 1 | $ 300,000 | $ 300,000 | $ 169,000 |
| Henderson County North Carolina | 1 | $ 112,000 | $ 112,000 | $ 52,000 |
| Montgomery County North Carolina | 1 | $ 69,000 | $ 69,000 | $ 41,000 |
| New Hanover County North Carolina | 1 | $ 481,000 | $ 481,000 | $ 243,000 |
| Pender County North Carolina | 1 | $ 114,000 | $ 114,000 | $ 73,000 |
| Pitt County North Carolina | 1 | $ 268,000 | $ 268,000 | $ 67,000 |
| Polk County North Carolina | 1 | $ 116,000 | $ 116,000 | $ 120,000 |
| Stanly County North Carolina | 1 | $ 93,000 | $ 93,000 | $ 42,000 |
| Swain County North Carolina | 1 | $ 232,000 | $ 232,000 | $ 66,000 |
| Union County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 39,000 |
| Abbeville County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 55,000 |
| Cherokee County South Carolina | 1 | $ 82,000 | $ 82,000 | $ 29,000 |
| Clarendon County South Carolina | 1 | $ 70,000 | $ 70,000 | $ 75,000 |
| Fairfield County South Carolina | 1 | $ 314,000 | $ 314,000 | $ 0 |
| Lancaster County South Carolina | 1 | $ 40,000 | $ 40,000 | $ 64,000 |
| Lee County South Carolina | 1 | $ 50,000 | $ 50,000 | $ 27,000 |
| Orangeburg County South Carolina | 1 | $ 188,000 | $ 188,000 | $ 60,000 |
| Grainger County Tennessee | 1 | $ 160,000 | $ 160,000 | $ 101,000 |
| Hamblen County Tennessee | 1 | $ 114,000 | $ 114,000 | $ 40,000 |
| Johnson County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 108,000 |
| Washington County Tennessee | 1 | $ 128,000 | $ 128,000 | $ 77,000 |
| Appomattox County Virginia | 1 | $ 160,000 | $ 160,000 | $ 54,000 |
| Bath County Virginia | 1 | $ 1,000,000 | $ 1,000,000 | $ 177,000 |
| Buchanan County Virginia | 1 | $ 50,000 | $ 50,000 | $ 27,000 |
| Chesapeake County Virginia | 1 | $ 110,000 | $ 110,000 | $ 94,000 |
| Chesterfield County Virginia | 1 | $ 205,000 | $ 205,000 | $ 99,000 |
| Culpeper County Virginia | 1 | $ 220,000 | $ 220,000 | $ 94,000 |
| Goochland County Virginia | 1 | $ 79,000 | $ 79,000 | $ 36,000 |
| King George County Virginia | 1 | $ 348,000 | $ 348,000 | $ 117,000 |
| Mecklenburg County Virginia | 1 | $ 91,000 | $ 91,000 | $ 70,000 |
| Norfolk County Virginia | 1 | $ 103,000 | $ 103,000 | $ 36,000 |
| Orange County Virginia | 1 | $ 150,000 | $ 150,000 | $ 164,000 |
| Page County Virginia | 1 | $ 164,000 | $ 164,000 | $ 40,000 |
| Pittsylvania County Virginia | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Prince William County Virginia | 1 | $ 275,000 | $ 275,000 | $ 148,000 |
| Suffolk County Virginia | 1 | $ 306,000 | $ 306,000 | $ 110,000 |
| Warren County Virginia | 1 | $ 291,000 | $ 291,000 | $ 124,000 |
| Williamsburg County Virginia | 1 | $ 109,000 | $ 109,000 | $ 32,000 |
| Berkeley County West Virginia | 1 | $ 215,000 | $ 215,000 | $ 74,000 |
| Raleigh County West Virginia | 1 | $ 74,000 | $ 74,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for First National Bank in 2005
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,124 | $160,726,000 | $186,833 | $1,800,000 | $107,666 | $922,000 |
| Refinancing | 1,100 | $165,448,000 | $160,000 | $3,000,000 | $76,166 | $1,274,000 |
| Home Improvement | 156 | $5,713,000 | $142,250 | $344,000 | $81,500 | $340,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,195 | $310,721,000 | $188,583 | $3,000,000 | $107,750 | $1,274,000 |
| Black or African American | 59 | $6,644,000 | $126,400 | $359,000 | $62,800 | $148,000 |
| Not Provided | 55 | $4,135,000 | $93,333 | $359,000 | $66,000 | $192,000 |
| Hispanic | 26 | $2,795,000 | $160,000 | $289,000 | $87,000 | $175,000 |
| Not applicable | 23 | $4,100,000 | $178,000 | $1,080,000 | $0 | $0 |
| Asian | 19 | $3,002,000 | $155,000 | $336,000 | $95,000 | $774,000 |
| American Indian or Alaskan Native | 3 | $490,000 | $163,000 | $207,000 | $54,000 | $84,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,237 | $316,931,000 | $190,833 | $3,000,000 | $108,166 | $1,274,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 94 | $9,233,000 | $96,000 | $640,000 | $37,500 | $70,000 |
| FHA-insured (Federal Housing Administration) | 41 | $4,579,000 | $82,000 | $175,000 | $40,500 | $120,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,144,000 | $143,000 | $260,000 | $40,000 | $72,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,283 | $321,921,000 | $197,090 | $1,800,000 | $114,000 | $1,274,000 |
| Application Denied By Financial Institution | 52 | $5,331,000 | $102,000 | $3,000,000 | $32,000 | $137,000 |
| Application Withdrawn By Applicant | 41 | $4,457,000 | $109,000 | $465,000 | $44,500 | $151,000 |
| Application Approved But Not Accepted | 3 | $143,000 | $47,000 | $63,000 | $39,000 | $49,000 |
| File Closed For Incompleteness | 1 | $35,000 | $35,000 | $35,000 | $12,000 | $12,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 25 | $3,811,000 | $152,000 | $3,000,000 | $28,000 | $80,000 |
| Debt-To-Income Ratio | 23 | $1,362,000 | $59,000 | $296,000 | $32,000 | $137,000 |
| Employment History | 2 | $102,000 | $51,000 | $100,000 | $53,000 | $56,000 |
| Collateral | 2 | $56,000 | $28,000 | $50,000 | $36,000 | $36,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank's 2005 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First National Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.