First National Bank
Mortgage Loan Application
Totals and Details
for 2004
Find mortgage loan statistics, lending data, and loan application totals for Virginia.
The mortgage statistics and data below are specific to mortgage loan applications for First National Bank.
Search for mortgage lenders by state, county, or metropolitan area
and explore the loan application details and stats broken down by several loan categories from 2003-2022.
| 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 | 2,136 |
| Total Mortgage Loan Application Amount | $270,188,000 |
| Average Mortgage Loan Application Amount | $146,500 |
| Highest Mortgage Loan Application Amount | $1,515,000 |
| Average Applicant Income | $62,875 |
| Highest Applicant Income | $2,463,000 |
Overall mortgage application loan totals and averages for this lender are provided for each year by county, metro area, and the entire US.
The loan data is broken down by loan purpose, loan type, applicant race, application outcome, and denial reason. With this information, you can get a detailed view of locations
where the mortgage lender is actively processing applications as well as the types and outcomes of loans from these applications.
As you search for mortgage loan stats and lending data in VA, the totals and averages will help you understand where the lender does business as well as the volume of business they do.
| 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 | 429 | $ 48,899,000 | $ 113,000 | $ 48,000 |
| Greenville County South Carolina | 215 | $ 27,850,000 | $ 129,000 | $ 56,000 |
| Pulaski County Virginia | 155 | $ 16,473,000 | $ 106,000 | $ 52,000 |
| Anderson County South Carolina | 104 | $ 13,156,000 | $ 126,000 | $ 48,000 |
| Radford County Virginia | 83 | $ 8,880,000 | $ 106,000 | $ 76,000 |
| Floyd County Virginia | 79 | $ 8,934,000 | $ 113,000 | $ 56,000 |
| Giles County Virginia | 78 | $ 7,088,000 | $ 90,000 | $ 38,000 |
| Wythe County Virginia | 77 | $ 7,236,000 | $ 93,000 | $ 51,000 |
| Beaufort County South Carolina | 75 | $ 17,685,000 | $ 235,000 | $ 153,000 |
| Roanoke County Virginia | 73 | $ 8,904,000 | $ 121,000 | $ 58,000 |
| Bedford County Virginia | 65 | $ 9,844,000 | $ 151,000 | $ 57,000 |
| Spartanburg County South Carolina | 45 | $ 5,692,000 | $ 126,000 | $ 56,000 |
| Pickens County South Carolina | 38 | $ 4,740,000 | $ 124,000 | $ 66,000 |
| Oconee County South Carolina | 35 | $ 4,660,000 | $ 133,000 | $ 65,000 |
| Roanoke City County Virginia | 35 | $ 3,827,000 | $ 109,000 | $ 93,000 |
| Botetourt County Virginia | 31 | $ 4,920,000 | $ 158,000 | $ 54,000 |
| Franklin County Virginia | 27 | $ 3,856,000 | $ 142,000 | $ 59,000 |
| Wake County North Carolina | 26 | $ 4,150,000 | $ 159,000 | $ 59,000 |
| York County South Carolina | 25 | $ 4,429,000 | $ 177,000 | $ 84,000 |
| Salem County Virginia | 22 | $ 2,816,000 | $ 128,000 | $ 68,000 |
| Jackson County North Carolina | 18 | $ 4,243,000 | $ 235,000 | $ 155,000 |
| Transylvania County North Carolina | 14 | $ 2,409,000 | $ 172,000 | $ 197,000 |
| Alleghany County Virginia | 13 | $ 1,048,000 | $ 80,000 | $ 43,000 |
| Richland County South Carolina | 12 | $ 1,226,000 | $ 102,000 | $ 63,000 |
| Bland County Virginia | 12 | $ 1,027,000 | $ 85,000 | $ 49,000 |
| Lynchburg County Virginia | 12 | $ 1,354,000 | $ 112,000 | $ 47,000 |
| Rockbridge County Virginia | 12 | $ 1,876,000 | $ 156,000 | $ 89,000 |
| Guilford County North Carolina | 11 | $ 1,892,000 | $ 172,000 | $ 87,000 |
| Randolph County North Carolina | 11 | $ 1,904,000 | $ 173,000 | $ 74,000 |
| Laurens County South Carolina | 11 | $ 920,000 | $ 83,000 | $ 46,000 |
| Albemarle County Virginia | 10 | $ 1,814,000 | $ 181,000 | $ 120,000 |
| Bedford City County Virginia | 10 | $ 1,000,000 | $ 100,000 | $ 67,000 |
| Campbell County Virginia | 9 | $ 749,000 | $ 83,000 | $ 33,000 |
| Carroll County Virginia | 9 | $ 774,000 | $ 86,000 | $ 60,000 |
| Frederick County Virginia | 9 | $ 1,116,000 | $ 124,000 | $ 70,000 |
| Alamance County North Carolina | 8 | $ 1,138,000 | $ 142,000 | $ 69,000 |
| Tazewell County Virginia | 8 | $ 871,000 | $ 108,000 | $ 78,000 |
| Grayson County Virginia | 7 | $ 865,000 | $ 123,000 | $ 46,000 |
| Pittsylvania County Virginia | 7 | $ 652,000 | $ 93,000 | $ 70,000 |
| Warren County Virginia | 7 | $ 1,013,000 | $ 144,000 | $ 62,000 |
| Mecklenburg County North Carolina | 6 | $ 931,000 | $ 155,000 | $ 122,000 |
| Amherst County Virginia | 6 | $ 633,000 | $ 105,000 | $ 64,000 |
| Washington County Virginia | 6 | $ 867,000 | $ 144,000 | $ 57,000 |
| Durham County North Carolina | 5 | $ 594,000 | $ 118,000 | $ 48,000 |
| New Hanover County North Carolina | 5 | $ 835,000 | $ 167,000 | $ 68,000 |
| Charleston County South Carolina | 5 | $ 846,000 | $ 169,000 | $ 89,000 |
| Louisa County Virginia | 5 | $ 539,000 | $ 107,000 | $ 38,000 |
| Monroe County West Virginia | 5 | $ 267,000 | $ 53,000 | $ 63,000 |
| Forsyth County North Carolina | 4 | $ 746,000 | $ 186,000 | $ 120,000 |
| Macon County North Carolina | 4 | $ 675,000 | $ 168,000 | $ 96,000 |
| Abbeville County South Carolina | 4 | $ 537,000 | $ 134,000 | $ 80,000 |
| Lexington County South Carolina | 4 | $ 544,000 | $ 136,000 | $ 54,000 |
| Craig County Virginia | 4 | $ 192,000 | $ 48,000 | $ 46,000 |
| Smyth County Virginia | 4 | $ 322,000 | $ 80,000 | $ 56,000 |
| Hart County Georgia | 3 | $ 316,000 | $ 105,000 | $ 52,000 |
| Chatham County North Carolina | 3 | $ 677,000 | $ 225,000 | $ 88,000 |
| Gaston County North Carolina | 3 | $ 664,000 | $ 221,000 | $ 98,000 |
| Orange County North Carolina | 3 | $ 338,000 | $ 112,000 | $ 35,000 |
| Greenwood County South Carolina | 3 | $ 359,000 | $ 119,000 | $ 64,000 |
| Newberry County South Carolina | 3 | $ 297,000 | $ 99,000 | $ 36,000 |
| Bristol County Virginia | 3 | $ 357,000 | $ 119,000 | $ 51,000 |
| Charlottesville County Virginia | 3 | $ 376,000 | $ 125,000 | $ 43,000 |
| Chesterfield County Virginia | 3 | $ 428,000 | $ 142,000 | $ 116,000 |
| Covington County Virginia | 3 | $ 224,000 | $ 74,000 | $ 44,000 |
| Galax County Virginia | 3 | $ 405,000 | $ 135,000 | $ 47,000 |
| Henrico County Virginia | 3 | $ 421,000 | $ 140,000 | $ 93,000 |
| Waynesboro County Virginia | 3 | $ 261,000 | $ 87,000 | $ 31,000 |
| Greenbrier County West Virginia | 3 | $ 212,000 | $ 70,000 | $ 63,000 |
| Fulton County Georgia | 2 | $ 630,000 | $ 315,000 | $ 113,000 |
| Buncombe County North Carolina | 2 | $ 249,000 | $ 124,000 | $ 41,000 |
| Carteret County North Carolina | 2 | $ 248,000 | $ 124,000 | $ 73,000 |
| Haywood County North Carolina | 2 | $ 467,000 | $ 233,000 | $ 113,000 |
| Henderson County North Carolina | 2 | $ 225,000 | $ 112,000 | $ 90,000 |
| Wayne County North Carolina | 2 | $ 95,000 | $ 47,000 | $ 55,000 |
| Berkeley County South Carolina | 2 | $ 381,000 | $ 190,000 | $ 97,000 |
| Chester County South Carolina | 2 | $ 264,000 | $ 132,000 | $ 72,000 |
| Horry County South Carolina | 2 | $ 245,000 | $ 122,000 | $ 147,000 |
| Lancaster County South Carolina | 2 | $ 295,000 | $ 147,000 | $ 36,000 |
| Hamblen County Tennessee | 2 | $ 129,000 | $ 64,000 | $ 46,000 |
| Sullivan County Tennessee | 2 | $ 199,000 | $ 99,000 | $ 56,000 |
| Fauquier County Virginia | 2 | $ 388,000 | $ 194,000 | $ 80,000 |
| Fluvanna County Virginia | 2 | $ 471,000 | $ 235,000 | $ 52,000 |
| Hanover County Virginia | 2 | $ 296,000 | $ 148,000 | $ 35,000 |
| Henry County Virginia | 2 | $ 141,000 | $ 70,000 | $ 40,000 |
| Martinsville County Virginia | 2 | $ 313,000 | $ 156,000 | $ 71,000 |
| Nelson County Virginia | 2 | $ 287,000 | $ 143,000 | $ 92,000 |
| Shenandoah County Virginia | 2 | $ 428,000 | $ 214,000 | $ 67,000 |
| Virginia Beach County Virginia | 2 | $ 457,000 | $ 228,000 | $ 93,000 |
| Jefferson County Alabama | 1 | $ 250,000 | $ 250,000 | $ 111,000 |
| Madison County Alabama | 1 | $ 116,000 | $ 116,000 | $ 58,000 |
| Palm Beach County Florida | 1 | $ 205,000 | $ 205,000 | $ 84,000 |
| Sarasota County Florida | 1 | $ 246,000 | $ 246,000 | $ 77,000 |
| Cherokee County Georgia | 1 | $ 239,000 | $ 239,000 | $ 64,000 |
| Hall County Georgia | 1 | $ 111,000 | $ 111,000 | $ 32,000 |
| Oxford County Maine | 1 | $ 93,000 | $ 93,000 | $ 38,000 |
| Wicomico County Maryland | 1 | $ 273,000 | $ 273,000 | $ 68,000 |
| Greene County Missouri | 1 | $ 78,000 | $ 78,000 | $ 28,000 |
| Alleghany County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 107,000 |
| Catawba County North Carolina | 1 | $ 74,000 | $ 74,000 | $ 232,000 |
| Cleveland County North Carolina | 1 | $ 108,000 | $ 108,000 | $ 44,000 |
| Davidson County North Carolina | 1 | $ 160,000 | $ 160,000 | $ 75,000 |
| Davie County North Carolina | 1 | $ 288,000 | $ 288,000 | $ 67,000 |
| Harnett County North Carolina | 1 | $ 177,000 | $ 177,000 | $ 120,000 |
| Iredell County North Carolina | 1 | $ 303,000 | $ 303,000 | $ 60,000 |
| Johnston County North Carolina | 1 | $ 137,000 | $ 137,000 | $ 57,000 |
| Onslow County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 34,000 |
| Pamlico County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 61,000 |
| Pender County North Carolina | 1 | $ 76,000 | $ 76,000 | $ 27,000 |
| Polk County North Carolina | 1 | $ 61,000 | $ 61,000 | $ 27,000 |
| Rutherford County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 187,000 |
| Swain County North Carolina | 1 | $ 132,000 | $ 132,000 | $ 49,000 |
| Yadkin County North Carolina | 1 | $ 60,000 | $ 60,000 | $ 22,000 |
| Erie County Ohio | 1 | $ 166,000 | $ 166,000 | $ 49,000 |
| Franklin County Pennsylvania | 1 | $ 93,000 | $ 93,000 | $ 25,000 |
| Calhoun County South Carolina | 1 | $ 84,000 | $ 84,000 | $ 66,000 |
| Cherokee County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 45,000 |
| Georgetown County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 80,000 |
| Lee County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 19,000 |
| McCormick County South Carolina | 1 | $ 110,000 | $ 110,000 | $ 42,000 |
| Orangeburg County South Carolina | 1 | $ 70,000 | $ 70,000 | $ 44,000 |
| Sumter County South Carolina | 1 | $ 81,000 | $ 81,000 | $ 33,000 |
| Union County South Carolina | 1 | $ 64,000 | $ 64,000 | $ 23,000 |
| Bradley County Tennessee | 1 | $ 94,000 | $ 94,000 | $ 39,000 |
| Grainger County Tennessee | 1 | $ 224,000 | $ 224,000 | $ 52,000 |
| Jefferson County Tennessee | 1 | $ 78,000 | $ 78,000 | $ 23,000 |
| Knox County Tennessee | 1 | $ 147,000 | $ 147,000 | $ 44,000 |
| Madison County Tennessee | 1 | $ 110,000 | $ 110,000 | $ 49,000 |
| Sevier County Tennessee | 1 | $ 120,000 | $ 120,000 | $ 33,000 |
| Augusta County Virginia | 1 | $ 247,000 | $ 247,000 | $ 67,000 |
| Bath County Virginia | 1 | $ 270,000 | $ 270,000 | $ 81,000 |
| Buena Vista County Virginia | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| Charlotte County Virginia | 1 | $ 64,000 | $ 64,000 | $ 58,000 |
| Chesapeake County Virginia | 1 | $ 56,000 | $ 56,000 | $ 64,000 |
| Greene County Virginia | 1 | $ 162,000 | $ 162,000 | $ 38,000 |
| Lexington County Virginia | 1 | $ 200,000 | $ 200,000 | $ 30,000 |
| Mecklenburg County Virginia | 1 | $ 61,000 | $ 61,000 | $ 25,000 |
| Patrick County Virginia | 1 | $ 14,000 | $ 14,000 | $ 21,000 |
| Prince Edward County Virginia | 1 | $ 52,000 | $ 52,000 | $ 99,000 |
| Rappahannock County Virginia | 1 | $ 173,000 | $ 173,000 | $ 38,000 |
| Richmond City County Virginia | 1 | $ 172,000 | $ 172,000 | $ 208,000 |
| Rockingham County Virginia | 1 | $ 300,000 | $ 300,000 | $ 95,000 |
| Russell County Virginia | 1 | $ 160,000 | $ 160,000 | $ 90,000 |
| Spotsylvania County Virginia | 1 | $ 265,000 | $ 265,000 | $ 70,000 |
| Staunton County Virginia | 1 | $ 127,000 | $ 127,000 | $ 61,000 |
| Berkeley County West Virginia | 1 | $ 168,000 | $ 168,000 | $ 85,000 |
| Hampshire County West Virginia | 1 | $ 61,000 | $ 61,000 | $ 29,000 |
| Hardy County West Virginia | 1 | $ 122,000 | $ 122,000 | $ 68,000 |
| Pocahontas County West Virginia | 1 | $ 150,000 | $ 150,000 | $ 89,000 |
The mortgage data stats below are displayed in sortable categories such as loan purpose, race of mortgage applicant, loan type, the outcome of the application, and reason for denial.
Each category breaks down the total number of mortgage applications, the total dollar amount for those applications, the average mortgage amount, the highest mortgage loan applied for within that category,
the average income of the mortgage applicants, and the highest income of the mortgage applicants.
You can also download the entire list of mortgage lenders along with their aggregated lending data for the state of Virginia,
and search the same numbers and information back through 2003.
Mortgage Loan Application Detail Totals for First National Bank in 2004
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 | 1,238 | $163,476,000 | $140,000 | $1,515,000 | $63,800 | $2,463,000 |
| Refinancing | 801 | $103,900,000 | $157,400 | $650,000 | $61,100 | $845,000 |
| Home Improvement | 97 | $2,812,000 | $135,500 | $640,000 | $65,000 | $250,000 |
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 | 1,988 | $250,171,000 | $144,250 | $992,000 | $57,916 | $2,463,000 |
| Black or African American | 54 | $5,666,000 | $116,750 | $294,000 | $50,250 | $111,000 |
| Hispanic | 26 | $3,350,000 | $143,666 | $360,000 | $97,333 | $271,000 |
| Asian | 24 | $2,983,000 | $126,333 | $249,000 | $56,666 | $120,000 |
| Not applicable | 19 | $4,505,000 | $237,000 | $1,515,000 | $98,000 | $608,000 |
| Not Provided | 18 | $2,600,000 | $128,666 | $640,000 | $55,666 | $386,000 |
| American Indian or Alaskan Native | 5 | $565,000 | $113,000 | $255,000 | $46,000 | $109,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $348,000 | $174,000 | $238,000 | $63,000 | $93,000 |
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) | 2,091 | $265,197,000 | $147,000 | $1,515,000 | $59,230 | $2,463,000 |
| FHA-insured (Federal Housing Administration) | 28 | $2,860,000 | $122,000 | $149,000 | $51,500 | $132,000 |
| VA-guaranteed (Veterans Administration) | 16 | $1,977,000 | $123,000 | $220,000 | $45,000 | $70,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $154,000 | $154,000 | $154,000 | $65,000 | $65,000 |
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 | 2,064 | $264,716,000 | $147,307 | $1,515,000 | $59,538 | $2,463,000 |
| Application Withdrawn By Applicant | 39 | $3,432,000 | $103,500 | $450,000 | $60,000 | $250,000 |
| Application Denied By Financial Institution | 31 | $1,860,000 | $60,000 | $360,000 | $35,500 | $86,000 |
| Application Approved But Not Accepted | 1 | $78,000 | $78,000 | $78,000 | $40,000 | $40,000 |
| File Closed For Incompleteness | 1 | $102,000 | $102,000 | $102,000 | $46,000 | $46,000 |
| 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 | 16 | $591,000 | $47,500 | $82,000 | $32,500 | $85,000 |
| Debt-To-Income Ratio | 10 | $553,000 | $55,000 | $116,000 | $40,000 | $80,000 |
| Collateral | 2 | $58,000 | $29,000 | $48,000 | $42,000 | $64,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $614,000 | $307,000 | $360,000 | $65,000 | $86,000 |
| Other | 1 | $44,000 | $44,000 | $44,000 | $86,000 | $86,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
These totals and details for mortgage applications will give you a better idea of what to expect when researching mortgage lenders. Whether you are looking for a home loan, for home refinancing, or for home improvement loan statistics, we have the information you need. This mortgage loan data gives you everything you need to know as you start your search for the best lenders in VA, and gives you an idea of what the best mortgage lenders really are.
If you prefer, you can download a copy of the entire list of mortgage lenders in Virginia, and search similar information at your convenience.