First Bancorp, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
First Bancorp, Inc. 2014 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 Bancorp, Inc. Po Box 1000 Lebanon, VA 24212 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 691 |
| Total Mortgage Loan Application Amount | $95,570,000 |
| Average Mortgage Loan Application Amount | $102,333 |
| Highest Mortgage Loan Application Amount | $1,934,000 |
| Average Applicant Income | $69,666 |
| Highest Applicant Income | $991,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 with First Bancorp, Inc.. 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 Bancorp, Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2014 breaks down First Bancorp, Inc.'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 Bancorp, Inc. serves its applicants.
Each category highlights the total number of mortgage applications processed by First Bancorp, Inc., 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 Bancorp, Inc.'s mortgage activity for 2014.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sullivan County Tennessee | 109 | $ 11,559,000 | $ 106,000 | $ 62,000 |
| Washington County Virginia | 83 | $ 9,852,000 | $ 118,000 | $ 70,000 |
| Augusta County Virginia | 53 | $ 8,794,000 | $ 165,000 | $ 96,000 |
| Wise County Virginia | 51 | $ 3,936,000 | $ 77,000 | $ 58,000 |
| Russell County Virginia | 38 | $ 3,918,000 | $ 103,000 | $ 76,000 |
| Lynchburg County Virginia | 35 | $ 3,604,000 | $ 102,000 | $ 123,000 |
| Montgomery County Virginia | 34 | $ 8,290,000 | $ 243,000 | $ 79,000 |
| Bedford County Virginia | 30 | $ 7,517,000 | $ 250,000 | $ 112,000 |
| Washington County Tennessee | 29 | $ 6,343,000 | $ 218,000 | $ 107,000 |
| Bristol County Virginia | 26 | $ 2,546,000 | $ 97,000 | $ 57,000 |
| Staunton County Virginia | 25 | $ 3,348,000 | $ 133,000 | $ 81,000 |
| Rockingham County Virginia | 16 | $ 2,139,000 | $ 133,000 | $ 100,000 |
| Campbell County Virginia | 15 | $ 2,738,000 | $ 182,000 | $ 77,000 |
| Pulaski County Virginia | 12 | $ 1,405,000 | $ 117,000 | $ 51,000 |
| Wythe County Virginia | 12 | $ 1,317,000 | $ 109,000 | $ 84,000 |
| Amherst County Virginia | 9 | $ 2,006,000 | $ 222,000 | $ 165,000 |
| Franklin County Virginia | 9 | $ 1,826,000 | $ 202,000 | $ 83,000 |
| Carter County Tennessee | 8 | $ 1,002,000 | $ 125,000 | $ 68,000 |
| Harrisonburg County Virginia | 7 | $ 769,000 | $ 109,000 | $ 49,000 |
| Scott County Virginia | 7 | $ 377,000 | $ 53,000 | $ 49,000 |
| Waynesboro County Virginia | 7 | $ 806,000 | $ 115,000 | $ 70,000 |
| Lee County Virginia | 5 | $ 458,000 | $ 91,000 | $ 45,000 |
| Shenandoah County Virginia | 5 | $ 1,017,000 | $ 203,000 | $ 70,000 |
| Hawkins County Tennessee | 4 | $ 413,000 | $ 103,000 | $ 33,000 |
| Nelson County Virginia | 4 | $ 1,391,000 | $ 347,000 | $ 230,000 |
| Norton County Virginia | 4 | $ 454,000 | $ 113,000 | $ 50,000 |
| Radford County Virginia | 4 | $ 978,000 | $ 244,000 | $ 55,000 |
| Smyth County Virginia | 3 | $ 366,000 | $ 122,000 | $ 51,000 |
| Tazewell County Virginia | 3 | $ 139,000 | $ 46,000 | $ 51,000 |
| Horry County South Carolina | 2 | $ 156,000 | $ 78,000 | $ 103,000 |
| Sevier County Tennessee | 2 | $ 275,000 | $ 137,000 | $ 140,000 |
| Appomattox County Virginia | 2 | $ 315,000 | $ 157,000 | $ 49,000 |
| Dickenson County Virginia | 2 | $ 133,000 | $ 66,000 | $ 28,000 |
| Henrico County Virginia | 2 | $ 248,000 | $ 124,000 | $ 28,000 |
| Richmond City County Virginia | 2 | $ 357,000 | $ 178,000 | $ 154,000 |
| Roanoke County Virginia | 2 | $ 415,000 | $ 207,000 | $ 109,000 |
| Rockbridge County Virginia | 2 | $ 179,000 | $ 89,000 | $ 27,000 |
| Polk County Florida | 1 | $ 130,000 | $ 130,000 | $ 66,000 |
| Hancock County Mississippi | 1 | $ 116,000 | $ 116,000 | $ 41,000 |
| Brunswick County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 156,000 |
| Buncombe County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 87,000 |
| Chatham County North Carolina | 1 | $ 153,000 | $ 153,000 | $ 70,000 |
| Currituck County North Carolina | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Dare County North Carolina | 1 | $ 335,000 | $ 335,000 | $ 88,000 |
| Mecklenburg County North Carolina | 1 | $ 82,000 | $ 82,000 | $ 638,000 |
| Stokes County North Carolina | 1 | $ 344,000 | $ 344,000 | $ 284,000 |
| Haakon County South Dakota | 1 | $ 52,000 | $ 52,000 | $ 12,000 |
| Knox County Tennessee | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Unicoi County Tennessee | 1 | $ 234,000 | $ 234,000 | $ 84,000 |
| Bland County Virginia | 1 | $ 91,000 | $ 91,000 | $ 74,000 |
| Buchanan County Virginia | 1 | $ 88,000 | $ 88,000 | $ 30,000 |
| Buckingham County Virginia | 1 | $ 221,000 | $ 221,000 | $ 110,000 |
| Carroll County Virginia | 1 | $ 40,000 | $ 40,000 | $ 14,000 |
| Fairfax County Virginia | 1 | $ 188,000 | $ 188,000 | $ 130,000 |
| Fauquier County Virginia | 1 | $ 300,000 | $ 300,000 | $ 80,000 |
| Giles County Virginia | 1 | $ 80,000 | $ 80,000 | $ 40,000 |
| Greensville County Virginia | 1 | $ 128,000 | $ 128,000 | $ 45,000 |
| Hanover County Virginia | 1 | $ 7,000 | $ 7,000 | $ 32,000 |
| James City County Virginia | 1 | $ 225,000 | $ 225,000 | $ 152,000 |
| Mathews County Virginia | 1 | $ 200,000 | $ 200,000 | $ 224,000 |
| Page County Virginia | 1 | $ 56,000 | $ 56,000 | $ 27,000 |
| Pittsylvania County Virginia | 1 | $ 224,000 | $ 224,000 | $ 124,000 |
| Roanoke City County Virginia | 1 | $ 38,000 | $ 38,000 | $ 0 |
| Salem County Virginia | 1 | $ 45,000 | $ 45,000 | $ 226,000 |
| Mercer County West Virginia | 1 | $ 130,000 | $ 130,000 | $ 154,000 |
Mortgage Loan Application Detail Totals for First Bancorp, Inc. in 2014
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 | 334 | $48,143,000 | $144,000 | $1,934,000 | $78,000 | $991,000 |
| Refinancing | 310 | $46,840,000 | $151,000 | $750,000 | $88,000 | $566,000 |
| Home Improvement | 47 | $587,000 | $12,000 | $123,000 | $43,000 | $315,000 |
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 | 621 | $82,454,000 | $132,000 | $750,000 | $84,000 | $991,000 |
| Not applicable | 32 | $8,580,000 | $268,000 | $1,934,000 | $2,000 | $86,000 |
| Not Provided | 20 | $2,184,000 | $109,000 | $250,000 | $73,000 | $245,000 |
| Black or African American | 7 | $1,045,000 | $149,000 | $300,000 | $43,000 | $79,000 |
| Hispanic | 5 | $378,000 | $75,000 | $127,000 | $42,000 | $57,000 |
| Asian | 5 | $772,000 | $154,000 | $417,000 | $132,000 | $180,000 |
| American Indian or Alaskan Native | 1 | $157,000 | $157,000 | $157,000 | $227,000 | $227,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 669 | $91,937,000 | $137,000 | $1,934,000 | $81,000 | $991,000 |
| VA-guaranteed (Veterans Administration) | 11 | $2,224,000 | $202,000 | $401,000 | $79,000 | $161,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $693,000 | $115,000 | $141,000 | $43,000 | $64,000 |
| FHA-insured (Federal Housing Administration) | 5 | $716,000 | $143,000 | $167,000 | $45,000 | $75,000 |
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 | 552 | $78,305,000 | $141,000 | $1,934,000 | $85,000 | $991,000 |
| Application Denied By Financial Institution | 72 | $8,120,000 | $112,000 | $417,000 | $51,000 | $156,000 |
| Application Withdrawn By Applicant | 34 | $3,825,000 | $112,000 | $234,000 | $60,000 | $293,000 |
| Application Approved But Not Accepted | 33 | $5,320,000 | $161,000 | $417,000 | $86,000 | $240,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 42 | $4,187,000 | $99,000 | $322,000 | $51,000 | $156,000 |
| Debt-To-Income Ratio | 10 | $1,939,000 | $193,000 | $417,000 | $39,000 | $101,000 |
| Collateral | 9 | $585,000 | $65,000 | $126,000 | $41,000 | $82,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $367,000 | $183,000 | $237,000 | $82,000 | $128,000 |
| Other | 2 | $340,000 | $170,000 | $268,000 | $102,000 | $112,000 |
| Unverifiable Information | 1 | $71,000 | $71,000 | $71,000 | $40,000 | $40,000 |
| Mortgage Insurance Denied | 1 | $122,000 | $122,000 | $122,000 | $103,000 | $103,000 |
| Credit Application Incomplete | 1 | $144,000 | $144,000 | $144,000 | $85,000 | $85,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bancorp, Inc.'s 2014 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 Bancorp, Inc.'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.