First National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
First National Bank 2007 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 | 2,173 |
| Total Mortgage Loan Application Amount | $305,673,000 |
| Average Mortgage Loan Application Amount | $112,666 |
| Highest Mortgage Loan Application Amount | $2,300,000 |
| Average Applicant Income | $134,666 |
| Highest Applicant Income | $9,000,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| 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 | 399 | $ 54,278,000 | $ 136,000 | $ 511,000 |
| Greenville County South Carolina | 210 | $ 31,732,000 | $ 151,000 | $ 73,000 |
| Pulaski County Virginia | 167 | $ 17,952,000 | $ 107,000 | $ 61,000 |
| Bedford County Virginia | 166 | $ 24,938,000 | $ 150,000 | $ 81,000 |
| Roanoke County Virginia | 114 | $ 21,116,000 | $ 185,000 | $ 89,000 |
| Roanoke City County Virginia | 97 | $ 12,638,000 | $ 130,000 | $ 87,000 |
| Anderson County South Carolina | 94 | $ 12,075,000 | $ 128,000 | $ 53,000 |
| Floyd County Virginia | 80 | $ 11,037,000 | $ 137,000 | $ 60,000 |
| Radford County Virginia | 58 | $ 8,076,000 | $ 139,000 | $ 85,000 |
| Wythe County Virginia | 58 | $ 5,470,000 | $ 94,000 | $ 50,000 |
| Giles County Virginia | 55 | $ 6,137,000 | $ 111,000 | $ 62,000 |
| Spartanburg County South Carolina | 52 | $ 5,816,000 | $ 111,000 | $ 50,000 |
| Salem County Virginia | 48 | $ 6,657,000 | $ 138,000 | $ 115,000 |
| Campbell County Virginia | 32 | $ 3,903,000 | $ 121,000 | $ 62,000 |
| Botetourt County Virginia | 28 | $ 5,025,000 | $ 179,000 | $ 63,000 |
| Bedford City County Virginia | 26 | $ 2,751,000 | $ 105,000 | $ 48,000 |
| Oconee County South Carolina | 24 | $ 3,338,000 | $ 139,000 | $ 50,000 |
| Franklin County Virginia | 24 | $ 5,715,000 | $ 238,000 | $ 101,000 |
| Lynchburg County Virginia | 23 | $ 3,102,000 | $ 134,000 | $ 106,000 |
| Pickens County South Carolina | 20 | $ 2,574,000 | $ 128,000 | $ 84,000 |
| Transylvania County North Carolina | 18 | $ 2,979,000 | $ 165,000 | $ 120,000 |
| Macon County Tennessee | 18 | $ 2,053,000 | $ 114,000 | $ 44,000 |
| Tazewell County Virginia | 17 | $ 3,194,000 | $ 187,000 | $ 98,000 |
| Greenwood County South Carolina | 15 | $ 1,997,000 | $ 133,000 | $ 62,000 |
| Amherst County Virginia | 14 | $ 2,046,000 | $ 146,000 | $ 69,000 |
| Rockbridge County Virginia | 13 | $ 1,684,000 | $ 129,000 | $ 50,000 |
| Appomattox County Virginia | 12 | $ 1,791,000 | $ 149,000 | $ 46,000 |
| Carroll County Virginia | 12 | $ 1,942,000 | $ 161,000 | $ 108,000 |
| Grayson County Virginia | 12 | $ 1,896,000 | $ 158,000 | $ 71,000 |
| Henry County Virginia | 12 | $ 809,000 | $ 67,000 | $ 43,000 |
| Laurens County South Carolina | 11 | $ 1,455,000 | $ 132,000 | $ 65,000 |
| Jackson County North Carolina | 10 | $ 2,017,000 | $ 201,000 | $ 93,000 |
| Alleghany County Virginia | 9 | $ 696,000 | $ 77,000 | $ 35,000 |
| Richland County South Carolina | 8 | $ 1,285,000 | $ 160,000 | $ 98,000 |
| Buena Vista County Virginia | 8 | $ 943,000 | $ 117,000 | $ 43,000 |
| Craig County Virginia | 8 | $ 1,027,000 | $ 128,000 | $ 104,000 |
| York County South Carolina | 7 | $ 1,422,000 | $ 203,000 | $ 66,000 |
| Augusta County Virginia | 7 | $ 1,054,000 | $ 150,000 | $ 77,000 |
| Washington County Virginia | 7 | $ 617,000 | $ 88,000 | $ 70,000 |
| Aiken County South Carolina | 6 | $ 580,000 | $ 96,000 | $ 84,000 |
| Russell County Virginia | 6 | $ 574,000 | $ 95,000 | $ 25,000 |
| Horry County South Carolina | 5 | $ 1,041,000 | $ 208,000 | $ 177,000 |
| Patrick County Virginia | 5 | $ 493,000 | $ 98,000 | $ 41,000 |
| Pittsylvania County Virginia | 5 | $ 749,000 | $ 149,000 | $ 91,000 |
| Chatham County Georgia | 4 | $ 689,000 | $ 172,000 | $ 59,000 |
| Buncombe County North Carolina | 4 | $ 394,000 | $ 98,000 | $ 207,000 |
| Charleston County South Carolina | 4 | $ 1,273,000 | $ 318,000 | $ 90,000 |
| Bland County Virginia | 4 | $ 422,000 | $ 105,000 | $ 72,000 |
| Covington County Virginia | 4 | $ 244,000 | $ 61,000 | $ 33,000 |
| Nelson County Virginia | 4 | $ 420,000 | $ 105,000 | $ 47,000 |
| Alleghany County North Carolina | 3 | $ 594,000 | $ 198,000 | $ 39,000 |
| Henderson County North Carolina | 3 | $ 639,000 | $ 213,000 | $ 250,000 |
| Watauga County North Carolina | 3 | $ 347,000 | $ 115,000 | $ 59,000 |
| Cherokee County South Carolina | 3 | $ 437,000 | $ 145,000 | $ 68,000 |
| Colleton County South Carolina | 3 | $ 312,000 | $ 104,000 | $ 70,000 |
| Dorchester County South Carolina | 3 | $ 335,000 | $ 111,000 | $ 63,000 |
| Kershaw County South Carolina | 3 | $ 428,000 | $ 142,000 | $ 104,000 |
| Trousdale County Tennessee | 3 | $ 200,000 | $ 66,000 | $ 46,000 |
| Frederick County Virginia | 3 | $ 691,000 | $ 230,000 | $ 113,000 |
| Galax County Virginia | 3 | $ 426,000 | $ 142,000 | $ 60,000 |
| Madison County Virginia | 3 | $ 288,000 | $ 96,000 | $ 39,000 |
| Martinsville County Virginia | 3 | $ 186,000 | $ 62,000 | $ 32,000 |
| Monroe County West Virginia | 3 | $ 216,000 | $ 72,000 | $ 43,000 |
| Cullman County Alabama | 2 | $ 137,000 | $ 68,000 | $ 69,000 |
| Volusia County Florida | 2 | $ 346,000 | $ 173,000 | $ 46,000 |
| Ashe County North Carolina | 2 | $ 164,000 | $ 82,000 | $ 61,000 |
| Caldwell County North Carolina | 2 | $ 127,000 | $ 63,000 | $ 22,000 |
| Forsyth County North Carolina | 2 | $ 395,000 | $ 197,000 | $ 40,000 |
| Madison County North Carolina | 2 | $ 163,000 | $ 81,000 | $ 25,000 |
| Surry County North Carolina | 2 | $ 163,000 | $ 81,000 | $ 33,000 |
| Abbeville County South Carolina | 2 | $ 197,000 | $ 98,000 | $ 57,000 |
| Edgefield County South Carolina | 2 | $ 440,000 | $ 220,000 | $ 68,000 |
| Sevier County Tennessee | 2 | $ 305,000 | $ 152,000 | $ 89,000 |
| Albemarle County Virginia | 2 | $ 509,000 | $ 254,000 | $ 57,000 |
| Buckingham County Virginia | 2 | $ 315,000 | $ 157,000 | $ 38,000 |
| Rockingham County Virginia | 2 | $ 384,000 | $ 192,000 | $ 50,000 |
| Staunton County Virginia | 2 | $ 246,000 | $ 123,000 | $ 12,000 |
| Greenbrier County West Virginia | 2 | $ 2,489,000 | $ 1,244,000 | $ 4,531,000 |
| Mercer County West Virginia | 2 | $ 124,000 | $ 62,000 | $ 35,000 |
| Crenshaw County Alabama | 1 | $ 75,000 | $ 75,000 | $ 21,000 |
| Bay County Florida | 1 | $ 989,000 | $ 989,000 | $ 1,148,000 |
| Lee County Florida | 1 | $ 500,000 | $ 500,000 | $ 521,000 |
| DeKalb County Georgia | 1 | $ 96,000 | $ 96,000 | $ 129,000 |
| Effingham County Georgia | 1 | $ 56,000 | $ 56,000 | $ 24,000 |
| Floyd County Georgia | 1 | $ 234,000 | $ 234,000 | $ 58,000 |
| Madison County Illinois | 1 | $ 142,000 | $ 142,000 | $ 72,000 |
| Anne Arundel County Maryland | 1 | $ 212,000 | $ 212,000 | $ 163,000 |
| Ingham County Michigan | 1 | $ 305,000 | $ 305,000 | $ 227,000 |
| Herkimer County New York | 1 | $ 186,000 | $ 186,000 | $ 104,000 |
| Avery County North Carolina | 1 | $ 324,000 | $ 324,000 | $ 1,166,000 |
| Beaufort County North Carolina | 1 | $ 109,000 | $ 109,000 | $ 57,000 |
| Brunswick County North Carolina | 1 | $ 214,000 | $ 214,000 | $ 114,000 |
| Durham County North Carolina | 1 | $ 544,000 | $ 544,000 | $ 164,000 |
| Graham County North Carolina | 1 | $ 156,000 | $ 156,000 | $ 240,000 |
| Macon County North Carolina | 1 | $ 272,000 | $ 272,000 | $ 64,000 |
| McDowell County North Carolina | 1 | $ 189,000 | $ 189,000 | $ 59,000 |
| Mecklenburg County North Carolina | 1 | $ 120,000 | $ 120,000 | $ 62,000 |
| Orange County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 15,000 |
| Pitt County North Carolina | 1 | $ 123,000 | $ 123,000 | $ 43,000 |
| Polk County North Carolina | 1 | $ 293,000 | $ 293,000 | $ 82,000 |
| Wilson County North Carolina | 1 | $ 68,000 | $ 68,000 | $ 53,000 |
| York County Pennsylvania | 1 | $ 283,000 | $ 283,000 | $ 99,000 |
| Bamberg County South Carolina | 1 | $ 51,000 | $ 51,000 | $ 19,000 |
| Barnwell County South Carolina | 1 | $ 203,000 | $ 203,000 | $ 52,000 |
| Berkeley County South Carolina | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Clarendon County South Carolina | 1 | $ 92,000 | $ 92,000 | $ 53,000 |
| Fairfield County South Carolina | 1 | $ 80,000 | $ 80,000 | $ 40,000 |
| Georgetown County South Carolina | 1 | $ 123,000 | $ 123,000 | $ 89,000 |
| Lancaster County South Carolina | 1 | $ 187,000 | $ 187,000 | $ 39,000 |
| Lexington County South Carolina | 1 | $ 247,000 | $ 247,000 | $ 122,000 |
| Newberry County South Carolina | 1 | $ 195,000 | $ 195,000 | $ 107,000 |
| Sumter County South Carolina | 1 | $ 198,000 | $ 198,000 | $ 70,000 |
| Union County South Carolina | 1 | $ 69,000 | $ 69,000 | $ 49,000 |
| Williamsburg County South Carolina | 1 | $ 38,000 | $ 38,000 | $ 72,000 |
| Knox County Tennessee | 1 | $ 92,000 | $ 92,000 | $ 29,000 |
| Putnam County Tennessee | 1 | $ 179,000 | $ 179,000 | $ 70,000 |
| Sumner County Tennessee | 1 | $ 77,000 | $ 77,000 | $ 53,000 |
| Washington County Tennessee | 1 | $ 116,000 | $ 116,000 | $ 32,000 |
| Harris County Texas | 1 | $ 262,000 | $ 262,000 | $ 57,000 |
| Bristol County Virginia | 1 | $ 120,000 | $ 120,000 | $ 59,000 |
| Charlotte County Virginia | 1 | $ 324,000 | $ 324,000 | $ 192,000 |
| Charlottesville County Virginia | 1 | $ 147,000 | $ 147,000 | $ 107,000 |
| Chesterfield County Virginia | 1 | $ 290,000 | $ 290,000 | $ 480,000 |
| Danville County Virginia | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Fairfax County Virginia | 1 | $ 541,000 | $ 541,000 | $ 155,000 |
| Goochland County Virginia | 1 | $ 150,000 | $ 150,000 | $ 24,000 |
| Greene County Virginia | 1 | $ 237,000 | $ 237,000 | $ 47,000 |
| Halifax County Virginia | 1 | $ 160,000 | $ 160,000 | $ 56,000 |
| Henrico County Virginia | 1 | $ 260,000 | $ 260,000 | $ 158,000 |
| Lexington County Virginia | 1 | $ 170,000 | $ 170,000 | $ 38,000 |
| Loudoun County Virginia | 1 | $ 376,000 | $ 376,000 | $ 96,000 |
| Norfolk County Virginia | 1 | $ 194,000 | $ 194,000 | $ 98,000 |
| Nottoway County Virginia | 1 | $ 150,000 | $ 150,000 | $ 52,000 |
| Prince Edward County Virginia | 1 | $ 210,000 | $ 210,000 | $ 72,000 |
| Smyth County Virginia | 1 | $ 112,000 | $ 112,000 | $ 38,000 |
| Virginia Beach County Virginia | 1 | $ 236,000 | $ 236,000 | $ 63,000 |
| Waynesboro County Virginia | 1 | $ 108,000 | $ 108,000 | $ 0 |
Mortgage Loan Application Detail Totals for First National Bank in 2007
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 | 1,026 | $155,485,000 | $151,000 | $2,300,000 | $136,000 | $9,000,000 |
| Refinancing | 926 | $142,598,000 | $153,000 | $1,373,000 | $206,000 | $3,500,000 |
| Home Improvement | 221 | $7,590,000 | $34,000 | $390,000 | $62,000 | $1,210,000 |
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 | 1,885 | $270,586,000 | $143,000 | $2,300,000 | $176,000 | $9,000,000 |
| Black or African American | 107 | $11,225,000 | $104,000 | $417,000 | $52,000 | $240,000 |
| Not applicable | 62 | $9,290,000 | $149,000 | $1,650,000 | $2,000 | $164,000 |
| Hispanic | 60 | $6,629,000 | $110,000 | $345,000 | $59,000 | $245,000 |
| Not Provided | 34 | $4,626,000 | $136,000 | $450,000 | $74,000 | $336,000 |
| Asian | 16 | $1,573,000 | $98,000 | $332,000 | $60,000 | $160,000 |
| American Indian or Alaskan Native | 6 | $875,000 | $145,000 | $412,000 | $65,000 | $112,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $869,000 | $289,000 | $332,000 | $71,000 | $104,000 |
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) | 2,023 | $288,867,000 | $142,000 | $2,300,000 | $167,000 | $9,000,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 128 | $13,871,000 | $108,000 | $224,000 | $40,000 | $120,000 |
| FHA-insured (Federal Housing Administration) | 17 | $2,018,000 | $118,000 | $193,000 | $78,000 | $600,000 |
| VA-guaranteed (Veterans Administration) | 5 | $917,000 | $183,000 | $304,000 | $58,000 | $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 | 1,956 | $278,435,000 | $142,000 | $1,650,000 | $164,000 | $3,500,000 |
| Application Withdrawn By Applicant | 102 | $18,607,000 | $182,000 | $2,300,000 | $170,000 | $9,000,000 |
| Application Denied By Financial Institution | 101 | $6,455,000 | $63,000 | $760,000 | $42,000 | $239,000 |
| File Closed For Incompleteness | 12 | $1,594,000 | $132,000 | $371,000 | $57,000 | $151,000 |
| Application Approved But Not Accepted | 2 | $582,000 | $291,000 | $500,000 | $358,000 | $521,000 |
| 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 | 59 | $3,403,000 | $57,000 | $760,000 | $43,000 | $239,000 |
| Debt-To-Income Ratio | 27 | $1,980,000 | $73,000 | $244,000 | $41,000 | $112,000 |
| Other | 8 | $687,000 | $85,000 | $256,000 | $33,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $53,000 | $17,000 | $40,000 | $39,000 | $55,000 |
| Collateral | 3 | $312,000 | $104,000 | $206,000 | $58,000 | $92,000 |
| Employment History | 1 | $20,000 | $20,000 | $20,000 | $21,000 | $21,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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 2007 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.
For a list of all lenders in Virginia, download the full spreadsheet
with aggregated HMDA statistics today.