First Bancorp, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2017
First Bancorp, Inc. 2017 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 | 942 |
| Total Mortgage Loan Application Amount | $157,463,000 |
| Average Mortgage Loan Application Amount | $134,333 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $84,666 |
| Highest Applicant Income | $1,138,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2017 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 2017 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 2017.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Washington County Virginia | 131 | $ 20,217,000 | $ 154,000 | $ 90,000 |
| Sullivan County Tennessee | 116 | $ 16,110,000 | $ 138,000 | $ 76,000 |
| Russell County Virginia | 63 | $ 4,722,000 | $ 74,000 | $ 55,000 |
| Augusta County Virginia | 59 | $ 11,147,000 | $ 188,000 | $ 47,000 |
| Wise County Virginia | 50 | $ 3,535,000 | $ 70,000 | $ 70,000 |
| Montgomery County Virginia | 49 | $ 9,169,000 | $ 187,000 | $ 110,000 |
| Washington County Tennessee | 42 | $ 8,163,000 | $ 194,000 | $ 135,000 |
| Bedford County Virginia | 42 | $ 13,021,000 | $ 310,000 | $ 151,000 |
| Bristol County Virginia | 39 | $ 4,722,000 | $ 121,000 | $ 77,000 |
| Franklin County Virginia | 31 | $ 8,037,000 | $ 259,000 | $ 107,000 |
| Rockingham County Virginia | 25 | $ 5,243,000 | $ 209,000 | $ 66,000 |
| Shenandoah County Virginia | 21 | $ 3,234,000 | $ 154,000 | $ 62,000 |
| Pulaski County Virginia | 20 | $ 3,534,000 | $ 176,000 | $ 73,000 |
| Wythe County Virginia | 18 | $ 3,375,000 | $ 187,000 | $ 98,000 |
| Lynchburg County Virginia | 16 | $ 2,984,000 | $ 186,000 | $ 147,000 |
| Campbell County Virginia | 15 | $ 2,868,000 | $ 191,000 | $ 94,000 |
| Staunton County Virginia | 13 | $ 1,538,000 | $ 118,000 | $ 43,000 |
| Amherst County Virginia | 12 | $ 1,377,000 | $ 114,000 | $ 112,000 |
| Dickenson County Virginia | 11 | $ 1,131,000 | $ 102,000 | $ 74,000 |
| Floyd County Virginia | 11 | $ 2,814,000 | $ 255,000 | $ 119,000 |
| Harrisonburg County Virginia | 9 | $ 1,373,000 | $ 152,000 | $ 29,000 |
| Norton County Virginia | 9 | $ 960,000 | $ 106,000 | $ 167,000 |
| Roanoke City County Virginia | 9 | $ 3,247,000 | $ 360,000 | $ 128,000 |
| Smyth County Virginia | 9 | $ 1,114,000 | $ 123,000 | $ 108,000 |
| Hawkins County Tennessee | 8 | $ 841,000 | $ 105,000 | $ 62,000 |
| Roanoke County Virginia | 7 | $ 1,306,000 | $ 186,000 | $ 66,000 |
| Carter County Tennessee | 6 | $ 922,000 | $ 153,000 | $ 78,000 |
| Appomattox County Virginia | 5 | $ 1,011,000 | $ 202,000 | $ 101,000 |
| Scott County Virginia | 5 | $ 399,000 | $ 79,000 | $ 66,000 |
| Tazewell County Virginia | 5 | $ 738,000 | $ 147,000 | $ 69,000 |
| Greene County Tennessee | 4 | $ 299,000 | $ 74,000 | $ 63,000 |
| Unicoi County Tennessee | 4 | $ 443,000 | $ 110,000 | $ 89,000 |
| Carroll County Virginia | 4 | $ 535,000 | $ 133,000 | $ 75,000 |
| Frederick County Virginia | 4 | $ 1,097,000 | $ 274,000 | $ 65,000 |
| Henry County Virginia | 4 | $ 674,000 | $ 168,000 | $ 30,000 |
| Nelson County Virginia | 4 | $ 1,656,000 | $ 414,000 | $ 322,000 |
| Stokes County North Carolina | 3 | $ 596,000 | $ 198,000 | $ 146,000 |
| Surry County North Carolina | 3 | $ 479,000 | $ 159,000 | $ 109,000 |
| Buchanan County Virginia | 3 | $ 231,000 | $ 77,000 | $ 110,000 |
| Waynesboro County Virginia | 3 | $ 286,000 | $ 95,000 | $ 23,000 |
| Hamilton County Tennessee | 2 | $ 290,000 | $ 145,000 | $ 186,000 |
| Albemarle County Virginia | 2 | $ 2,112,000 | $ 1,056,000 | $ 53,000 |
| Bath County Virginia | 2 | $ 365,000 | $ 182,000 | $ 26,000 |
| Bland County Virginia | 2 | $ 208,000 | $ 104,000 | $ 31,000 |
| Botetourt County Virginia | 2 | $ 551,000 | $ 275,000 | $ 182,000 |
| Highland County Virginia | 2 | $ 255,000 | $ 127,000 | $ 138,000 |
| Lee County Virginia | 2 | $ 105,000 | $ 52,000 | $ 45,000 |
| Louisa County Virginia | 2 | $ 464,000 | $ 232,000 | $ 111,000 |
| Radford County Virginia | 2 | $ 444,000 | $ 222,000 | $ 122,000 |
| District of Columbia County District Of Columbia | 1 | $ 495,000 | $ 495,000 | $ 91,000 |
| Garrard County Kentucky | 1 | $ 216,000 | $ 216,000 | $ 87,000 |
| Washington County Maryland | 1 | $ 251,000 | $ 251,000 | $ 148,000 |
| Dare County North Carolina | 1 | $ 197,000 | $ 197,000 | $ 110,000 |
| Forsyth County North Carolina | 1 | $ 80,000 | $ 80,000 | $ 78,000 |
| Granville County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 71,000 |
| Guilford County North Carolina | 1 | $ 101,000 | $ 101,000 | $ 48,000 |
| Mecklenburg County North Carolina | 1 | $ 531,000 | $ 531,000 | $ 484,000 |
| Wake County North Carolina | 1 | $ 332,000 | $ 332,000 | $ 235,000 |
| Beaufort County South Carolina | 1 | $ 365,000 | $ 365,000 | $ 273,000 |
| Horry County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 156,000 |
| Cocke County Tennessee | 1 | $ 315,000 | $ 315,000 | $ 183,000 |
| Johnson County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 136,000 |
| Sevier County Tennessee | 1 | $ 212,000 | $ 212,000 | $ 95,000 |
| Caroline County Virginia | 1 | $ 75,000 | $ 75,000 | $ 77,000 |
| Charlottesville County Virginia | 1 | $ 164,000 | $ 164,000 | $ 68,000 |
| Chesterfield County Virginia | 1 | $ 225,000 | $ 225,000 | $ 66,000 |
| Craig County Virginia | 1 | $ 153,000 | $ 153,000 | $ 124,000 |
| Fairfax County Virginia | 1 | $ 116,000 | $ 116,000 | $ 25,000 |
| Fluvanna County Virginia | 1 | $ 327,000 | $ 327,000 | $ 93,000 |
| Galax County Virginia | 1 | $ 65,000 | $ 65,000 | $ 45,000 |
| Giles County Virginia | 1 | $ 110,000 | $ 110,000 | $ 103,000 |
| Goochland County Virginia | 1 | $ 411,000 | $ 411,000 | $ 166,000 |
| Hanover County Virginia | 1 | $ 424,000 | $ 424,000 | $ 175,000 |
| Loudoun County Virginia | 1 | $ 310,000 | $ 310,000 | $ 324,000 |
| Lunenburg County Virginia | 1 | $ 124,000 | $ 124,000 | $ 52,000 |
| Mecklenburg County Virginia | 1 | $ 424,000 | $ 424,000 | $ 497,000 |
| Nottoway County Virginia | 1 | $ 338,000 | $ 338,000 | $ 90,000 |
| Salem County Virginia | 1 | $ 92,000 | $ 92,000 | $ 55,000 |
| Warren County Virginia | 1 | $ 400,000 | $ 400,000 | $ 73,000 |
| Winchester County Virginia | 1 | $ 126,000 | $ 126,000 | $ 46,000 |
| Berkeley County West Virginia | 1 | $ 117,000 | $ 117,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for First Bancorp, Inc. in 2017
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 | 596 | $104,319,000 | $175,000 | $1,000,000 | $88,000 | $900,000 |
| Refinancing | 279 | $49,661,000 | $177,000 | $2,000,000 | $99,000 | $1,138,000 |
| Home Improvement | 67 | $3,483,000 | $51,000 | $393,000 | $67,000 | $311,000 |
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 | 796 | $133,665,000 | $167,000 | $1,000,000 | $98,000 | $1,138,000 |
| Not applicable | 66 | $12,798,000 | $193,000 | $2,000,000 | $0 | $0 |
| Not Provided | 45 | $5,238,000 | $116,000 | $768,000 | $69,000 | $306,000 |
| Hispanic | 15 | $2,417,000 | $161,000 | $424,000 | $70,000 | $200,000 |
| Black or African American | 10 | $2,090,000 | $209,000 | $495,000 | $160,000 | $569,000 |
| Asian | 5 | $678,000 | $135,000 | $204,000 | $82,000 | $177,000 |
| American Indian or Alaskan Native | 4 | $477,000 | $119,000 | $292,000 | $36,000 | $101,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $100,000 | $100,000 | $100,000 | $31,000 | $31,000 |
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) | 909 | $152,952,000 | $168,000 | $2,000,000 | $91,000 | $1,138,000 |
| FHA-insured (Federal Housing Administration) | 19 | $2,487,000 | $130,000 | $238,000 | $55,000 | $114,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,421,000 | $118,000 | $225,000 | $42,000 | $84,000 |
| VA-guaranteed (Veterans Administration) | 2 | $603,000 | $301,000 | $358,000 | $74,000 | $123,000 |
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 | 683 | $112,745,000 | $165,000 | $2,000,000 | $89,000 | $1,138,000 |
| Application Approved But Not Accepted | 95 | $19,746,000 | $207,000 | $900,000 | $112,000 | $595,000 |
| Application Denied By Financial Institution | 92 | $12,671,000 | $137,000 | $575,000 | $70,000 | $874,000 |
| Application Withdrawn By Applicant | 72 | $12,301,000 | $170,000 | $900,000 | $94,000 | $560,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 38 | $6,506,000 | $171,000 | $575,000 | $76,000 | $874,000 |
| Credit History | 34 | $3,110,000 | $91,000 | $332,000 | $66,000 | $300,000 |
| Collateral | 11 | $1,802,000 | $163,000 | $328,000 | $81,000 | $186,000 |
| Credit Application Incomplete | 6 | $687,000 | $114,000 | $225,000 | $53,000 | $96,000 |
| Unverifiable Information | 1 | $316,000 | $316,000 | $316,000 | $42,000 | $42,000 |
| Employment History | 1 | $191,000 | $191,000 | $191,000 | $33,000 | $33,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $59,000 | $59,000 | $59,000 | $15,000 | $15,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bancorp, Inc.'s 2017 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.