First National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
First National Bank 2006 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 | 2,381 |
| Total Mortgage Loan Application Amount | $328,146,000 |
| Average Mortgage Loan Application Amount | $110,000 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $3,005,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 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 2006 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 2006.
| 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 | 436 | $ 57,038,000 | $ 130,000 | $ 131,000 |
| Greenville County South Carolina | 228 | $ 33,042,000 | $ 144,000 | $ 70,000 |
| Pulaski County Virginia | 169 | $ 15,077,000 | $ 89,000 | $ 41,000 |
| Bedford County Virginia | 139 | $ 22,053,000 | $ 158,000 | $ 73,000 |
| Roanoke County Virginia | 105 | $ 18,396,000 | $ 175,000 | $ 94,000 |
| Radford County Virginia | 77 | $ 11,218,000 | $ 145,000 | $ 83,000 |
| Roanoke City County Virginia | 67 | $ 5,694,000 | $ 84,000 | $ 55,000 |
| Wythe County Virginia | 64 | $ 6,164,000 | $ 96,000 | $ 54,000 |
| Giles County Virginia | 62 | $ 5,921,000 | $ 95,000 | $ 85,000 |
| Botetourt County Virginia | 53 | $ 8,323,000 | $ 157,000 | $ 77,000 |
| Anderson County South Carolina | 50 | $ 6,260,000 | $ 125,000 | $ 73,000 |
| Franklin County Virginia | 49 | $ 10,951,000 | $ 223,000 | $ 147,000 |
| Floyd County Virginia | 48 | $ 6,805,000 | $ 141,000 | $ 61,000 |
| Alleghany County Virginia | 44 | $ 4,360,000 | $ 99,000 | $ 60,000 |
| Rockbridge County Virginia | 44 | $ 7,263,000 | $ 165,000 | $ 63,000 |
| Spartanburg County South Carolina | 40 | $ 5,560,000 | $ 139,000 | $ 70,000 |
| Pickens County South Carolina | 36 | $ 4,359,000 | $ 121,000 | $ 75,000 |
| York County South Carolina | 32 | $ 6,226,000 | $ 194,000 | $ 125,000 |
| Horry County South Carolina | 31 | $ 5,760,000 | $ 185,000 | $ 128,000 |
| Salem County Virginia | 31 | $ 4,224,000 | $ 136,000 | $ 95,000 |
| Greenbrier County West Virginia | 31 | $ 4,149,000 | $ 133,000 | $ 61,000 |
| Bedford City County Virginia | 29 | $ 3,754,000 | $ 129,000 | $ 61,000 |
| Lynchburg County Virginia | 26 | $ 2,399,000 | $ 92,000 | $ 74,000 |
| Tazewell County Virginia | 26 | $ 3,363,000 | $ 129,000 | $ 89,000 |
| Covington County Virginia | 24 | $ 1,768,000 | $ 73,000 | $ 44,000 |
| Augusta County Virginia | 20 | $ 3,544,000 | $ 177,000 | $ 72,000 |
| Campbell County Virginia | 16 | $ 1,923,000 | $ 120,000 | $ 67,000 |
| Transylvania County North Carolina | 15 | $ 2,338,000 | $ 155,000 | $ 80,000 |
| Watauga County North Carolina | 15 | $ 3,188,000 | $ 212,000 | $ 166,000 |
| Charleston County South Carolina | 15 | $ 2,686,000 | $ 179,000 | $ 84,000 |
| Oconee County South Carolina | 15 | $ 2,116,000 | $ 141,000 | $ 63,000 |
| Berkeley County South Carolina | 14 | $ 2,005,000 | $ 143,000 | $ 71,000 |
| Buena Vista County Virginia | 14 | $ 2,535,000 | $ 181,000 | $ 68,000 |
| Henry County Virginia | 14 | $ 1,396,000 | $ 99,000 | $ 52,000 |
| Jackson County North Carolina | 12 | $ 2,428,000 | $ 202,000 | $ 86,000 |
| Amherst County Virginia | 12 | $ 1,952,000 | $ 162,000 | $ 79,000 |
| Dorchester County South Carolina | 10 | $ 1,438,000 | $ 143,000 | $ 70,000 |
| Craig County Virginia | 10 | $ 1,209,000 | $ 120,000 | $ 47,000 |
| Grayson County Virginia | 10 | $ 1,193,000 | $ 119,000 | $ 50,000 |
| Laurens County South Carolina | 9 | $ 1,347,000 | $ 149,000 | $ 73,000 |
| Georgetown County South Carolina | 8 | $ 1,184,000 | $ 148,000 | $ 64,000 |
| Carroll County Virginia | 8 | $ 1,147,000 | $ 143,000 | $ 69,000 |
| Union County South Carolina | 7 | $ 812,000 | $ 116,000 | $ 62,000 |
| Bath County Virginia | 7 | $ 919,000 | $ 131,000 | $ 65,000 |
| Bland County Virginia | 7 | $ 308,000 | $ 44,000 | $ 43,000 |
| Martinsville County Virginia | 7 | $ 628,000 | $ 89,000 | $ 58,000 |
| Staunton County Virginia | 7 | $ 949,000 | $ 135,000 | $ 56,000 |
| Columbus County North Carolina | 6 | $ 617,000 | $ 102,000 | $ 49,000 |
| Colleton County South Carolina | 6 | $ 1,068,000 | $ 178,000 | $ 71,000 |
| Wake County North Carolina | 5 | $ 1,019,000 | $ 203,000 | $ 79,000 |
| Sullivan County Tennessee | 5 | $ 500,000 | $ 100,000 | $ 61,000 |
| Lexington County Virginia | 5 | $ 700,000 | $ 140,000 | $ 55,000 |
| Pittsylvania County Virginia | 5 | $ 577,000 | $ 115,000 | $ 72,000 |
| Russell County Virginia | 5 | $ 562,000 | $ 112,000 | $ 85,000 |
| Forsyth County North Carolina | 4 | $ 618,000 | $ 154,000 | $ 58,000 |
| Edgefield County South Carolina | 4 | $ 338,000 | $ 84,000 | $ 59,000 |
| Fairfield County South Carolina | 4 | $ 635,000 | $ 158,000 | $ 91,000 |
| Greenwood County South Carolina | 4 | $ 397,000 | $ 99,000 | $ 41,000 |
| Richland County South Carolina | 4 | $ 560,000 | $ 140,000 | $ 74,000 |
| Appomattox County Virginia | 4 | $ 667,000 | $ 166,000 | $ 89,000 |
| Buchanan County Virginia | 4 | $ 387,000 | $ 96,000 | $ 39,000 |
| Waynesboro County Virginia | 4 | $ 653,000 | $ 163,000 | $ 77,000 |
| Monroe County West Virginia | 4 | $ 550,000 | $ 137,000 | $ 59,000 |
| Buncombe County North Carolina | 3 | $ 591,000 | $ 197,000 | $ 75,000 |
| Macon County North Carolina | 3 | $ 426,000 | $ 142,000 | $ 71,000 |
| Mecklenburg County North Carolina | 3 | $ 581,000 | $ 193,000 | $ 79,000 |
| Beaufort County South Carolina | 3 | $ 1,166,000 | $ 388,000 | $ 264,000 |
| Chester County South Carolina | 3 | $ 249,000 | $ 83,000 | $ 37,000 |
| Orangeburg County South Carolina | 3 | $ 310,000 | $ 103,000 | $ 59,000 |
| Albemarle County Virginia | 3 | $ 654,000 | $ 218,000 | $ 104,000 |
| Patrick County Virginia | 3 | $ 310,000 | $ 103,000 | $ 61,000 |
| Washington County Virginia | 3 | $ 509,000 | $ 169,000 | $ 85,000 |
| Summers County West Virginia | 3 | $ 474,000 | $ 158,000 | $ 80,000 |
| Fulton County Georgia | 2 | $ 267,000 | $ 133,000 | $ 76,000 |
| Avery County North Carolina | 2 | $ 236,000 | $ 118,000 | $ 108,000 |
| Guilford County North Carolina | 2 | $ 192,000 | $ 96,000 | $ 88,000 |
| Henderson County North Carolina | 2 | $ 826,000 | $ 413,000 | $ 359,000 |
| Cherokee County South Carolina | 2 | $ 304,000 | $ 152,000 | $ 69,000 |
| Florence County South Carolina | 2 | $ 328,000 | $ 164,000 | $ 54,000 |
| Lexington County South Carolina | 2 | $ 368,000 | $ 184,000 | $ 157,000 |
| Sumter County South Carolina | 2 | $ 188,000 | $ 94,000 | $ 45,000 |
| Hanover County Virginia | 2 | $ 326,000 | $ 163,000 | $ 77,000 |
| Henrico County Virginia | 2 | $ 388,000 | $ 194,000 | $ 100,000 |
| Loudoun County Virginia | 2 | $ 665,000 | $ 332,000 | $ 95,000 |
| Nelson County Virginia | 2 | $ 157,000 | $ 78,000 | $ 86,000 |
| Shenandoah County Virginia | 2 | $ 462,000 | $ 231,000 | $ 86,000 |
| Smyth County Virginia | 2 | $ 250,000 | $ 125,000 | $ 46,000 |
| Mercer County West Virginia | 2 | $ 122,000 | $ 61,000 | $ 21,000 |
| Pocahontas County West Virginia | 2 | $ 490,000 | $ 245,000 | $ 209,000 |
| Alachua County Florida | 1 | $ 149,000 | $ 149,000 | $ 149,000 |
| Lee County Florida | 1 | $ 417,000 | $ 417,000 | $ 492,000 |
| Chatham County Georgia | 1 | $ 68,000 | $ 68,000 | $ 84,000 |
| Decatur County Georgia | 1 | $ 116,000 | $ 116,000 | $ 44,000 |
| Effingham County Georgia | 1 | $ 313,000 | $ 313,000 | $ 174,000 |
| Glynn County Georgia | 1 | $ 248,000 | $ 248,000 | $ 181,000 |
| Hart County Georgia | 1 | $ 140,000 | $ 140,000 | $ 53,000 |
| Richmond County Georgia | 1 | $ 88,000 | $ 88,000 | $ 93,000 |
| Union County Georgia | 1 | $ 309,000 | $ 309,000 | $ 125,000 |
| Bonner County Idaho | 1 | $ 524,000 | $ 524,000 | $ 204,000 |
| Fayette County Kentucky | 1 | $ 188,000 | $ 188,000 | $ 71,000 |
| Alamance County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 99,000 |
| Alleghany County North Carolina | 1 | $ 335,000 | $ 335,000 | $ 88,000 |
| Brunswick County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Burke County North Carolina | 1 | $ 160,000 | $ 160,000 | $ 51,000 |
| Dare County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 987,000 |
| Durham County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 52,000 |
| Franklin County North Carolina | 1 | $ 134,000 | $ 134,000 | $ 66,000 |
| Haywood County North Carolina | 1 | $ 188,000 | $ 188,000 | $ 98,000 |
| Nash County North Carolina | 1 | $ 101,000 | $ 101,000 | $ 38,000 |
| New Hanover County North Carolina | 1 | $ 129,000 | $ 129,000 | $ 71,000 |
| Onslow County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 109,000 |
| Orange County North Carolina | 1 | $ 16,000 | $ 16,000 | $ 52,000 |
| Pender County North Carolina | 1 | $ 77,000 | $ 77,000 | $ 28,000 |
| Rowan County North Carolina | 1 | $ 90,000 | $ 90,000 | $ 47,000 |
| Stanly County North Carolina | 1 | $ 37,000 | $ 37,000 | $ 21,000 |
| Union County North Carolina | 1 | $ 638,000 | $ 638,000 | $ 332,000 |
| Wilkes County North Carolina | 1 | $ 580,000 | $ 580,000 | $ 136,000 |
| Wilson County North Carolina | 1 | $ 58,000 | $ 58,000 | $ 61,000 |
| Bucks County Pennsylvania | 1 | $ 380,000 | $ 380,000 | $ 90,000 |
| Butler County Pennsylvania | 1 | $ 204,000 | $ 204,000 | $ 58,000 |
| Abbeville County South Carolina | 1 | $ 160,000 | $ 160,000 | $ 66,000 |
| Aiken County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 52,000 |
| Darlington County South Carolina | 1 | $ 38,000 | $ 38,000 | $ 32,000 |
| Kershaw County South Carolina | 1 | $ 137,000 | $ 137,000 | $ 80,000 |
| Lancaster County South Carolina | 1 | $ 193,000 | $ 193,000 | $ 80,000 |
| Newberry County South Carolina | 1 | $ 104,000 | $ 104,000 | $ 28,000 |
| Hamilton County Tennessee | 1 | $ 136,000 | $ 136,000 | $ 39,000 |
| Scott County Tennessee | 1 | $ 88,000 | $ 88,000 | $ 78,000 |
| Charlotte County Virginia | 1 | $ 256,000 | $ 256,000 | $ 89,000 |
| Chesapeake County Virginia | 1 | $ 254,000 | $ 254,000 | $ 97,000 |
| Greene County Virginia | 1 | $ 87,000 | $ 87,000 | $ 40,000 |
| Halifax County Virginia | 1 | $ 128,000 | $ 128,000 | $ 64,000 |
| Newport News County Virginia | 1 | $ 176,000 | $ 176,000 | $ 62,000 |
| Norfolk County Virginia | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Nottoway County Virginia | 1 | $ 138,000 | $ 138,000 | $ 46,000 |
| Prince Edward County Virginia | 1 | $ 190,000 | $ 190,000 | $ 72,000 |
| Spotsylvania County Virginia | 1 | $ 330,000 | $ 330,000 | $ 168,000 |
| Virginia Beach County Virginia | 1 | $ 410,000 | $ 410,000 | $ 118,000 |
| Hampshire County West Virginia | 1 | $ 75,000 | $ 75,000 | $ 64,000 |
| McDowell County West Virginia | 1 | $ 47,000 | $ 47,000 | $ 28,000 |
| Preston County West Virginia | 1 | $ 160,000 | $ 160,000 | $ 95,000 |
| Raleigh County West Virginia | 1 | $ 240,000 | $ 240,000 | $ 111,000 |
Mortgage Loan Application Detail Totals for First National Bank in 2006
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 | 1,165 | $167,438,000 | $143,000 | $1,800,000 | $78,000 | $1,746,000 |
| Refinancing | 1,010 | $153,181,000 | $151,000 | $795,000 | $100,000 | $3,005,000 |
| Home Improvement | 206 | $7,527,000 | $36,000 | $505,000 | $50,000 | $283,000 |
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 | 2,146 | $299,904,000 | $139,000 | $1,800,000 | $90,000 | $3,005,000 |
| Not applicable | 79 | $9,058,000 | $114,000 | $849,000 | $0 | $0 |
| Black or African American | 79 | $8,521,000 | $107,000 | $569,000 | $57,000 | $180,000 |
| Not Provided | 34 | $4,774,000 | $140,000 | $415,000 | $73,000 | $232,000 |
| Hispanic | 22 | $2,462,000 | $111,000 | $301,000 | $52,000 | $123,000 |
| Asian | 16 | $3,154,000 | $197,000 | $350,000 | $105,000 | $444,000 |
| American Indian or Alaskan Native | 4 | $141,000 | $35,000 | $67,000 | $48,000 | $87,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $132,000 | $132,000 | $132,000 | $46,000 | $46,000 |
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) | 2,230 | $312,424,000 | $140,000 | $1,800,000 | $88,000 | $3,005,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 124 | $12,171,000 | $98,000 | $179,000 | $39,000 | $69,000 |
| FHA-insured (Federal Housing Administration) | 20 | $2,320,000 | $116,000 | $254,000 | $49,000 | $97,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,231,000 | $175,000 | $222,000 | $68,000 | $88,000 |
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 | 2,133 | $298,373,000 | $139,000 | $849,000 | $87,000 | $2,000,000 |
| Application Denied By Financial Institution | 121 | $9,994,000 | $82,000 | $650,000 | $45,000 | $336,000 |
| Application Withdrawn By Applicant | 111 | $17,258,000 | $155,000 | $1,800,000 | $98,000 | $3,005,000 |
| File Closed For Incompleteness | 12 | $2,034,000 | $169,000 | $419,000 | $53,000 | $129,000 |
| Application Approved But Not Accepted | 4 | $487,000 | $121,000 | $168,000 | $60,000 | $80,000 |
| 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 | 75 | $5,679,000 | $75,000 | $392,000 | $42,000 | $160,000 |
| Debt-To-Income Ratio | 26 | $1,565,000 | $60,000 | $378,000 | $42,000 | $280,000 |
| Other | 11 | $2,124,000 | $193,000 | $650,000 | $78,000 | $336,000 |
| Employment History | 3 | $83,000 | $27,000 | $70,000 | $27,000 | $35,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $333,000 | $111,000 | $183,000 | $51,000 | $81,000 |
| Collateral | 2 | $50,000 | $25,000 | $35,000 | $44,000 | $44,000 |
| Mortgage Insurance Denied | 1 | $160,000 | $160,000 | $160,000 | $85,000 | $85,000 |
| Credit Application Incomplete | 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 2006 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.