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Multifamily record
The First Bank and Trust Company: multifamily loans made
The First Bank and Trust Company, a bank based in Lebanon, VA, made 23 multifamily loans in 2024 and 2025, $16.5M in all, in 3 states. The typical loan was about $500K, and the largest about $2.8M. Most were in Virginia.
- Evidence
- Multifamily loans made in 2024 and 2025, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 9, 2026
- Multifamily loans
- 23
- HMDA,
- 2024 and 2025. Manufactured-home parks excluded
- Dollars
- $16.5M
- HMDA,
- Rounded amounts
- Typical loan
- $500K
- HMDA,
- Largest loan
- $2.8M
- HMDA,
- Rounded to 2 significant figures
- States
- 3
- HMDA,
Cite this
Source: The Lender Report, The First Bank and Trust Company: multifamily loans made, https://lender.report/lender/first-bank-and-trust-va/multifamily/, data as of December 31, 2025.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Augusta County, VA | Purchase, 5 to 24 units | $2.8M | 7.5% | 5 yr | 40% | HMDA 2025 |
| 2025 | Bedford County, VA | Purchase, 25 to 49 units | $1.8M | 7.25% | 5 yr | 49% | HMDA 2025 |
| 2025 | Blacksburg-Christiansburg-Radford, VA | Improvement, 25 to 49 units | $1.7M | 7.5% | 1 yr | 75% | HMDA 2025 |
| 2025 | Albemarle County, VA | Purchase, 5 to 24 units | $1.5M | 7.5% | 5 yr | 54% | HMDA 2025 |
| 2025 | Lynchburg city, VA | Refinance, 25 to 49 units | $680K | 7.5% | 5 yr | 35% | HMDA 2025 |
| 2025 | North Carolina | Refinance, 5 to 24 units | $660K | 6.75% | 5 yr | 62% | HMDA 2025 |
| 2025 | North Carolina | Purchase, 5 to 24 units | $400K | 7.63% | 15 yr | 33% | HMDA 2025 |
| 2025 | Virginia | Purchase, 5 to 24 units | $400K | 7.5% | 5 yr | 68% | HMDA 2025 |
| 2025 | Wythe County, VA | Purchase, 5 to 24 units | $360K | 7.15% | 5 yr | 61% | HMDA 2025 |
| 2025 | Washington County, VA | Purchase, 5 to 24 units | $340K | 7.5% | 5 yr | 79% | HMDA 2025 |
| 2025 | Virginia | Purchase, 5 to 24 units | $320K | 7.5% | 5 yr | 75% | HMDA 2025 |
| 2025 | Randolph County, NC | Refinance, 5 to 24 units | $220K | 7.13% | 5 yr | 23% | HMDA 2025 |
| 2024 | North Carolina | Refinance, 5 to 24 units | $1.3M | 7.5% | 5 yr | 53% | HMDA 2024 |
| 2024 | Roanoke city, VA | Refinance, 5 to 24 units | $740K | 8% | 5 yr | 80% | HMDA 2024 |
| 2024 | Campbell County, VA | Purchase, 5 to 24 units | $720K | 8.2% | 5 yr | 73% | HMDA 2024 |
| 2024 | Virginia | Purchase, 5 to 24 units | $640K | 8% | 5 yr | 80% | HMDA 2024 |
| 2024 | Carter County, TN | Purchase, 5 to 24 units | $520K | 8.25% | 5 yr | 57% | HMDA 2024 |
| 2024 | Washington County, VA | Improvement, 5 to 24 units | $500K | 8.5% | 20 yr | 48% | HMDA 2024 |
| 2024 | Virginia | Refinance, 5 to 24 units | $340K | 8.5% | 5 yr | 65% | HMDA 2024 |
| 2024 | Campbell County, VA | Purchase, 5 to 24 units | $200K | 8% | 20.5 yr | 76% | HMDA 2024 |
| 2024 | Sullivan County, TN | Purchase, 5 to 24 units | $140K | 8.35% | 5 yr | 80% | HMDA 2024 |
| 2024 | Washington County, VA | Purchase, 5 to 24 units | $140K | 8.75% | 5 yr | 24% | HMDA 2024 |
| 2024 | Virginia | Purchase, 5 to 24 units | $120K | 8.25% | 5 yr | 88% | HMDA 2024 |
| 23 multifamily loans made in 2024 and 2025 | $16.5M | HMDA 2024 and 2025 | |||||
A blank means the source did not report it.
| Place | As named | Loans | Dollars |
|---|---|---|---|
| Virginia | State | 5 | $1.82M |
| North Carolina | State | 3 | $2.36M |
| Washington County, VA | County | 3 | $980K |
| Campbell County, VA | County | 2 | $920K |
| Albemarle County, VA | County | 1 | $1.50M |
| Augusta County, VA | County | 1 | $2.80M |
| Bedford County, VA | County | 1 | $1.80M |
| Blacksburg-Christiansburg-Radford, VA | Metro area | 1 | $1.70M |
| Carter County, TN | County | 1 | $520K |
| Lynchburg city, VA | County | 1 | $680K |
| Randolph County, NC | County | 1 | $220K |
| Roanoke city, VA | County | 1 | $740K |
A county is named only where the public file holds 5 or more multifamily loans there in the year; otherwise the metro area or the state is.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $1M | 18 | $7.44M |
| $1M to $2.5M | 4 | $6.30M |
| $2.5M to $5M | 1 | $2.80M |
| $5M to $10M | 0 | $0 |
| $10M or more | 0 | $0 |
| Year | Loans | Dollars | Typical loan |
|---|---|---|---|
| 2024 | 11 | $5.36M | $500K |
| 2025 | 12 | $11.2M | $660K |
| Purpose | Loans |
|---|---|
| Purchase | 15 |
| Refinance | 6 |
| Improvement | 2 |
| Units | Loans |
|---|---|
| 5 to 24 units | 20 |
| 25 to 49 units | 3 |
- The First Bank and Trust Company made 23 multifamily loans totaling $16.5M in 2024 and 2025, in 14 named places across 3 states. HMDA,
- It made 12 of them in 2025 and 11 in 2024. HMDA,
- The typical loan was about $500K, with the middle half between $320K and $740K. HMDA,
- The largest was about $2.8M. Every amount is rounded to 2 significant figures. HMDA,
- 18 loans were under $1M, and 0 were $5M or more. HMDA,
- It reported a median rate of 7.50% on 23 loans, with the middle half between 7.50% and 8.25%. HMDA,
- The median term was 5 years. HMDA,
- The median loan to value was 62%. HMDA,
- 26% of the loans were refinancings and 65% were purchases. HMDA,
- The most common property size was 5 to 24 units, with 20 loans. HMDA,
- Its loans were most often in Washington County, VA (3), Campbell County, VA (2) and Albemarle County, VA (1). HMDA,
What we don't know
- Whether The First Bank and Trust Company is taking new multifamily loans today.
- Its minimum or maximum loan, its fees and its other terms. HMDA reports the rate, term and loan to value, and this page shows what it reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
Place is a county only where the public file holds 5 or more multifamily loans of that year there, otherwise the metro area or the state. Amounts are rounded to 2 significant figures and HMDA has a year, never a date.
HMDA covers dwelling-secured loans. Manufactured-home parks are left out of every count.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.