Applications / Mortgage Analytics / Lenders / Virginia / First National Bank
Altavista, VA · National bank · OCC · $1.1 billion assets · 159 loans in 2025
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159
loans originated, 2025
188
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Bank makes small loans, many for manufactured homes, and lends more to poorer and majority-minority neighborhoods than most similar banks.
Its typical loan was $115,000, against $187,500 at similar lenders (national banks making between half and twice as many loans), lower than at almost nine in ten of them. Manufactured homes made up 11.9% of its loans, against 1.7% at peers, which may account for part of the gap in loan size. All its loans were conventional.
Low- and moderate-income (LMI) borrowers took 35.1% of its loans, against 24.7% at peers, more than at about three in four similar lenders. LMI areas took 25.2% and majority-minority areas 26.4%, against 15.2% and 7.4%; both were higher than at about four in five. All three shares rose from 2024.
Its loans fell 6%, to 159, while similar lenders grew 6%. The count is still above the 117 of 2020, though below the 212 of 2022. With so few loans, a handful more or fewer moves the yearly change.
In Lynchburg, VA, where Bank of America leads, it ranked 37 of 329 lenders, and its share fell 0.5 points to 0.6%. Its own lower loan count is one possible reason. In Charlottesville, VA, its share rose 0.3 points to 0.4%, for a rank of 42 of 337.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First National Bank took 188 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.0% · Refinance 32.1% · Other 6.3% · Home improvement 5.7%
Conventional 100.0% · of 159 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Virginia | 150 | 94.3% |
| North Carolina | 6 | 3.8% |
| South Carolina | 2 | 1.3% |
| Florida | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lynchburg | 58 |
| Charlottesville | 4 |
| Myrtle Beach-Conway-North Myrtle Beach | 2 |
| Blacksburg-Christiansburg-Radford | 1 |
| Cape Coral-Fort Myers | 1 |
| Charlotte-Concord-Gastonia | 1 |
| Richmond | 1 |
| Roanoke | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007WCJ9R6VLLYR82 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 979629 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 19295 | 1990–2017 |
Established 1 March 1908. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First National Bank's data.
First National Bank's data
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First National Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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