First Bancorp, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
First Bancorp, Inc. 2019 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 | 969 |
| Total Mortgage Loan Application Amount | $174,735,000 |
| Average Mortgage Loan Application Amount | $164,000 |
| Highest Mortgage Loan Application Amount | $1,485,000 |
| Average Applicant Income | $80,833 |
| Highest Applicant Income | $1,787,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 150 | $ 25,910,000 | $ 172,000 | $ 100,000 |
| Sullivan County Tennessee | 114 | $ 18,670,000 | $ 163,000 | $ 101,000 |
| Bedford County Virginia | 57 | $ 14,275,000 | $ 250,000 | $ 145,000 |
| Russell County Virginia | 54 | $ 5,320,000 | $ 98,000 | $ 66,000 |
| Augusta County Virginia | 52 | $ 9,540,000 | $ 183,000 | $ 110,000 |
| Washington County Tennessee | 44 | $ 7,940,000 | $ 180,000 | $ 106,000 |
| Lynchburg County Virginia | 42 | $ 8,860,000 | $ 210,000 | $ 132,000 |
| Franklin County Virginia | 37 | $ 8,625,000 | $ 233,000 | $ 116,000 |
| Montgomery County Virginia | 37 | $ 7,515,000 | $ 203,000 | $ 115,000 |
| Wise County Virginia | 36 | $ 3,320,000 | $ 92,000 | $ 69,000 |
| Bristol County Virginia | 31 | $ 3,775,000 | $ 121,000 | $ 77,000 |
| Rockingham County Virginia | 30 | $ 5,160,000 | $ 172,000 | $ 63,000 |
| Campbell County Virginia | 24 | $ 5,690,000 | $ 237,000 | $ 117,000 |
| Wythe County Virginia | 18 | $ 2,250,000 | $ 125,000 | $ 77,000 |
| Pulaski County Virginia | 15 | $ 2,535,000 | $ 169,000 | $ 68,000 |
| Hawkins County Tennessee | 13 | $ 2,605,000 | $ 200,000 | $ 80,000 |
| Amherst County Virginia | 13 | $ 2,165,000 | $ 166,000 | $ 118,000 |
| Smyth County Virginia | 11 | $ 1,385,000 | $ 125,000 | $ 78,000 |
| Floyd County Virginia | 10 | $ 1,540,000 | $ 154,000 | $ 93,000 |
| Hanover County Virginia | 10 | $ 3,010,000 | $ 301,000 | $ 186,000 |
| Henrico County Virginia | 9 | $ 1,865,000 | $ 207,000 | $ 92,000 |
| Norton County Virginia | 9 | $ 875,000 | $ 97,000 | $ 61,000 |
| Carter County Tennessee | 8 | $ 790,000 | $ 98,000 | $ 54,000 |
| Roanoke County Virginia | 7 | $ 1,645,000 | $ 235,000 | $ 162,000 |
| Dickenson County Virginia | 6 | $ 1,150,000 | $ 191,000 | $ 124,000 |
| Shenandoah County Virginia | 6 | $ 870,000 | $ 145,000 | $ 60,000 |
| Scott County Virginia | 5 | $ 415,000 | $ 83,000 | $ 48,000 |
| Forsyth County North Carolina | 4 | $ 700,000 | $ 175,000 | $ 89,000 |
| Surry County North Carolina | 4 | $ 570,000 | $ 142,000 | $ 102,000 |
| Sevier County Tennessee | 4 | $ 800,000 | $ 200,000 | $ 156,000 |
| Frederick County Virginia | 4 | $ 830,000 | $ 207,000 | $ 120,000 |
| Giles County Virginia | 4 | $ 750,000 | $ 187,000 | $ 104,000 |
| Nelson County Virginia | 4 | $ 840,000 | $ 210,000 | $ 61,000 |
| Staunton County Virginia | 4 | $ 250,000 | $ 62,000 | $ 46,000 |
| Tazewell County Virginia | 4 | $ 490,000 | $ 122,000 | $ 64,000 |
| Appomattox County Virginia | 3 | $ 725,000 | $ 241,000 | $ 76,000 |
| Botetourt County Virginia | 3 | $ 295,000 | $ 98,000 | $ 45,000 |
| Charlottesville County Virginia | 3 | $ 1,385,000 | $ 461,000 | $ 276,000 |
| Chesterfield County Virginia | 3 | $ 475,000 | $ 158,000 | $ 69,000 |
| Harrisonburg County Virginia | 3 | $ 325,000 | $ 108,000 | $ 229,000 |
| Henry County Virginia | 3 | $ 485,000 | $ 161,000 | $ 76,000 |
| Lee County Virginia | 3 | $ 155,000 | $ 51,000 | $ 85,000 |
| Patrick County Virginia | 3 | $ 675,000 | $ 225,000 | $ 118,000 |
| Radford County Virginia | 3 | $ 225,000 | $ 75,000 | $ 61,000 |
| Roanoke City County Virginia | 3 | $ 695,000 | $ 231,000 | $ 124,000 |
| District of Columbia County District Of Columbia | 2 | $ 860,000 | $ 430,000 | $ 625,000 |
| Brunswick County North Carolina | 2 | $ 800,000 | $ 400,000 | $ 172,000 |
| Buncombe County North Carolina | 2 | $ 670,000 | $ 335,000 | $ 252,000 |
| Grainger County Tennessee | 2 | $ 250,000 | $ 125,000 | $ 43,000 |
| Unicoi County Tennessee | 2 | $ 530,000 | $ 265,000 | $ 206,000 |
| Albemarle County Virginia | 2 | $ 490,000 | $ 245,000 | $ 65,000 |
| Caroline County Virginia | 2 | $ 650,000 | $ 325,000 | $ 95,000 |
| Richmond City County Virginia | 2 | $ 290,000 | $ 145,000 | $ 230,000 |
| Johnson County Indiana | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Baltimore County Maryland | 1 | $ 465,000 | $ 465,000 | $ 165,000 |
| Prince George's County Maryland | 1 | $ 125,000 | $ 125,000 | $ 373,000 |
| Alleghany County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 48,000 |
| Burke County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 75,000 |
| Carteret County North Carolina | 1 | $ 965,000 | $ 965,000 | $ 1,787,000 |
| Chatham County North Carolina | 1 | $ 365,000 | $ 365,000 | $ 256,000 |
| Dare County North Carolina | 1 | $ 495,000 | $ 495,000 | $ 121,000 |
| Edgecombe County North Carolina | 1 | $ 615,000 | $ 615,000 | $ 0 |
| Madison County North Carolina | 1 | $ 355,000 | $ 355,000 | $ 110,000 |
| Mecklenburg County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Montgomery County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 152,000 |
| Stanly County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 46,000 |
| Watauga County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 464,000 |
| Yadkin County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 67,000 |
| Cocke County Tennessee | 1 | $ 255,000 | $ 255,000 | $ 226,000 |
| Davidson County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 101,000 |
| Greene County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 96,000 |
| Bland County Virginia | 1 | $ 75,000 | $ 75,000 | $ 57,000 |
| Brunswick County Virginia | 1 | $ 265,000 | $ 265,000 | $ 108,000 |
| Buchanan County Virginia | 1 | $ 115,000 | $ 115,000 | $ 175,000 |
| Carroll County Virginia | 1 | $ 55,000 | $ 55,000 | $ 18,000 |
| Craig County Virginia | 1 | $ 145,000 | $ 145,000 | $ 44,000 |
| Dinwiddie County Virginia | 1 | $ 345,000 | $ 345,000 | $ 180,000 |
| Fluvanna County Virginia | 1 | $ 125,000 | $ 125,000 | $ 69,000 |
| Galax County Virginia | 1 | $ 245,000 | $ 245,000 | $ 106,000 |
| Goochland County Virginia | 1 | $ 445,000 | $ 445,000 | $ 120,000 |
| Greene County Virginia | 1 | $ 1,485,000 | $ 1,485,000 | $ 122,000 |
| James City County Virginia | 1 | $ 315,000 | $ 315,000 | $ 208,000 |
| King and Queen County Virginia | 1 | $ 325,000 | $ 325,000 | $ 151,000 |
| Loudoun County Virginia | 1 | $ 675,000 | $ 675,000 | $ 0 |
| Martinsville County Virginia | 1 | $ 205,000 | $ 205,000 | $ 86,000 |
| Mecklenburg County Virginia | 1 | $ 205,000 | $ 205,000 | $ 84,000 |
| Middlesex County Virginia | 1 | $ 305,000 | $ 305,000 | $ 236,000 |
| Orange County Virginia | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Page County Virginia | 1 | $ 125,000 | $ 125,000 | $ 126,000 |
| Pittsylvania County Virginia | 1 | $ 115,000 | $ 115,000 | $ 26,000 |
| Powhatan County Virginia | 1 | $ 215,000 | $ 215,000 | $ 50,000 |
| Prince William County Virginia | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Rappahannock County Virginia | 1 | $ 145,000 | $ 145,000 | $ 169,000 |
| Waynesboro County Virginia | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Berkeley County West Virginia | 1 | $ 105,000 | $ 105,000 | $ 38,000 |
| Mercer County West Virginia | 1 | $ 195,000 | $ 195,000 | $ 112,000 |
Mortgage Loan Application Detail Totals for First Bancorp, Inc. in 2019
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 | 620 | $112,420,000 | $181,000 | $1,005,000 | $106,000 | $1,787,000 |
| Cash-out Refinancing | 147 | $24,515,000 | $166,000 | $485,000 | $98,000 | $625,000 |
| Refinancing | 136 | $29,910,000 | $219,000 | $1,485,000 | $117,000 | $549,000 |
| Other Purpose | 38 | $4,020,000 | $105,000 | $805,000 | $86,000 | $373,000 |
| Home Improvement | 17 | $1,165,000 | $68,000 | $225,000 | $78,000 | $177,000 |
| Not Applicable | 11 | $2,705,000 | $245,000 | $675,000 | $0 | $0 |
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 | 828 | $146,680,000 | $177,000 | $965,000 | $104,000 | $1,787,000 |
| Not applicable | 89 | $18,485,000 | $207,000 | $1,005,000 | $0 | $0 |
| Not Provided | 30 | $4,700,000 | $156,000 | $425,000 | $119,000 | $347,000 |
| Black or African American | 10 | $2,990,000 | $299,000 | $1,485,000 | $118,000 | $373,000 |
| Asian | 7 | $955,000 | $136,000 | $225,000 | $108,000 | $229,000 |
| Hispanic | 4 | $530,000 | $132,000 | $205,000 | $57,000 | $70,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $395,000 | $395,000 | $395,000 | $138,000 | $138,000 |
| American Indian or Alaskan Native | 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) | 965 | $174,255,000 | $180,000 | $1,485,000 | $105,000 | $1,787,000 |
| FHA-insured (Federal Housing Administration) | 2 | $220,000 | $110,000 | $135,000 | $54,000 | $84,000 |
| VA-guaranteed (Veterans Administration) | 2 | $260,000 | $130,000 | $145,000 | $58,000 | $67,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 779 | $138,465,000 | $177,000 | $1,485,000 | $108,000 | $1,787,000 |
| Application Approved But Not Accepted | 90 | $17,620,000 | $195,000 | $475,000 | $100,000 | $625,000 |
| Application Withdrawn By Applicant | 47 | $8,405,000 | $178,000 | $725,000 | $100,000 | $365,000 |
| Application Denied By Financial Institution | 41 | $7,435,000 | $181,000 | $635,000 | $68,000 | $187,000 |
| Loan Purchased By The Institution | 11 | $2,705,000 | $245,000 | $675,000 | $0 | $0 |
| File Closed For Incompleteness | 1 | $105,000 | $105,000 | $105,000 | $33,000 | $33,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 928 | $167,300,000 | $180,000 | $1,485,000 | $107,000 | $1,787,000 |
| Credit History | 18 | $2,620,000 | $145,000 | $395,000 | $57,000 | $95,000 |
| Debt-To-Income Ratio | 15 | $2,905,000 | $193,000 | $635,000 | $75,000 | $177,000 |
| Unverifiable Information | 4 | $1,030,000 | $257,000 | $345,000 | $95,000 | $187,000 |
| Employment History | 3 | $775,000 | $258,000 | $395,000 | $72,000 | $115,000 |
| Collateral | 1 | $105,000 | $105,000 | $105,000 | $49,000 | $49,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bancorp, Inc.'s 2019 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.
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with aggregated HMDA statistics today.