First Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
First Community Bank 2012 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 Community Bank 29 College Dr Bluefield, VA 24605 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 |
| Total Number of Mortgage Applications | 1,778 |
| Total Mortgage Loan Application Amount | $216,249,000 |
| Average Mortgage Loan Application Amount | $106,333 |
| Highest Mortgage Loan Application Amount | $1,880,000 |
| Average Applicant Income | $75,666 |
| Highest Applicant Income | $3,096,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with First Community Bank. 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 Community Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down First Community Bank'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 Community Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First Community Bank, 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 Community Bank's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Mercer County West Virginia | 273 | $ 25,319,000 | $ 92,000 | $ 65,000 |
| Nicholas County West Virginia | 157 | $ 13,720,000 | $ 87,000 | $ 66,000 |
| Upshur County West Virginia | 122 | $ 11,731,000 | $ 96,000 | $ 98,000 |
| Forsyth County North Carolina | 106 | $ 15,515,000 | $ 146,000 | $ 67,000 |
| Raleigh County West Virginia | 102 | $ 14,563,000 | $ 142,000 | $ 74,000 |
| Tazewell County Virginia | 81 | $ 9,384,000 | $ 115,000 | $ 79,000 |
| Wyoming County West Virginia | 54 | $ 3,986,000 | $ 73,000 | $ 64,000 |
| Iredell County North Carolina | 53 | $ 7,026,000 | $ 132,000 | $ 67,000 |
| Washington County Tennessee | 50 | $ 7,682,000 | $ 153,000 | $ 68,000 |
| Columbus County North Carolina | 41 | $ 2,769,000 | $ 67,000 | $ 58,000 |
| Logan County West Virginia | 37 | $ 2,491,000 | $ 67,000 | $ 65,000 |
| Brunswick County North Carolina | 34 | $ 6,895,000 | $ 202,000 | $ 142,000 |
| Richmond City County Virginia | 34 | $ 5,616,000 | $ 165,000 | $ 173,000 |
| Taylor County West Virginia | 31 | $ 1,997,000 | $ 64,000 | $ 64,000 |
| Monroe County West Virginia | 30 | $ 2,692,000 | $ 89,000 | $ 61,000 |
| Alleghany County North Carolina | 26 | $ 2,861,000 | $ 110,000 | $ 51,000 |
| Alexander County North Carolina | 25 | $ 2,127,000 | $ 85,000 | $ 45,000 |
| Henrico County Virginia | 22 | $ 4,421,000 | $ 200,000 | $ 109,000 |
| Summers County West Virginia | 22 | $ 1,623,000 | $ 73,000 | $ 38,000 |
| Chesterfield County Virginia | 20 | $ 3,377,000 | $ 168,000 | $ 49,000 |
| Davidson County North Carolina | 18 | $ 3,238,000 | $ 179,000 | $ 70,000 |
| Wilkes County North Carolina | 18 | $ 1,337,000 | $ 74,000 | $ 52,000 |
| Sullivan County Tennessee | 18 | $ 3,080,000 | $ 171,000 | $ 79,000 |
| Fayette County West Virginia | 18 | $ 2,555,000 | $ 141,000 | $ 91,000 |
| Webster County West Virginia | 18 | $ 1,042,000 | $ 57,000 | $ 67,000 |
| Guilford County North Carolina | 17 | $ 4,407,000 | $ 259,000 | $ 120,000 |
| Wythe County Virginia | 15 | $ 1,062,000 | $ 70,000 | $ 54,000 |
| Mecklenburg County North Carolina | 14 | $ 2,223,000 | $ 158,000 | $ 79,000 |
| Lewis County West Virginia | 14 | $ 1,641,000 | $ 117,000 | $ 79,000 |
| Harrison County West Virginia | 13 | $ 1,873,000 | $ 144,000 | $ 156,000 |
| Catawba County North Carolina | 12 | $ 2,024,000 | $ 168,000 | $ 229,000 |
| Horry County South Carolina | 9 | $ 1,892,000 | $ 210,000 | $ 117,000 |
| Bland County Virginia | 9 | $ 970,000 | $ 107,000 | $ 57,000 |
| Greenbrier County West Virginia | 9 | $ 2,311,000 | $ 256,000 | $ 201,000 |
| Bladen County North Carolina | 8 | $ 751,000 | $ 93,000 | $ 81,000 |
| Davie County North Carolina | 8 | $ 1,536,000 | $ 192,000 | $ 74,000 |
| Surry County North Carolina | 8 | $ 1,019,000 | $ 127,000 | $ 52,000 |
| McDowell County West Virginia | 8 | $ 588,000 | $ 73,000 | $ 54,000 |
| Braxton County West Virginia | 7 | $ 515,000 | $ 73,000 | $ 56,000 |
| Rowan County North Carolina | 6 | $ 831,000 | $ 138,000 | $ 84,000 |
| Stokes County North Carolina | 6 | $ 731,000 | $ 121,000 | $ 153,000 |
| Union County North Carolina | 6 | $ 2,148,000 | $ 358,000 | $ 144,000 |
| Yadkin County North Carolina | 6 | $ 757,000 | $ 126,000 | $ 51,000 |
| Kanawha County West Virginia | 6 | $ 736,000 | $ 122,000 | $ 44,000 |
| Mingo County West Virginia | 6 | $ 509,000 | $ 84,000 | $ 71,000 |
| Pocahontas County West Virginia | 6 | $ 1,443,000 | $ 240,000 | $ 39,000 |
| New Hanover County North Carolina | 5 | $ 973,000 | $ 194,000 | $ 67,000 |
| Grayson County Virginia | 5 | $ 311,000 | $ 62,000 | $ 39,000 |
| Hanover County Virginia | 5 | $ 947,000 | $ 189,000 | $ 131,000 |
| Monongalia County West Virginia | 5 | $ 566,000 | $ 113,000 | $ 241,000 |
| Cabarrus County North Carolina | 4 | $ 314,000 | $ 78,000 | $ 44,000 |
| Caldwell County North Carolina | 4 | $ 763,000 | $ 190,000 | $ 74,000 |
| Carter County Tennessee | 4 | $ 579,000 | $ 144,000 | $ 39,000 |
| Greene County Tennessee | 4 | $ 515,000 | $ 128,000 | $ 51,000 |
| Emporia County Virginia | 4 | $ 232,000 | $ 58,000 | $ 50,000 |
| Franklin County Virginia | 4 | $ 825,000 | $ 206,000 | $ 100,000 |
| Barbour County West Virginia | 4 | $ 493,000 | $ 123,000 | $ 45,000 |
| Randolph County West Virginia | 4 | $ 518,000 | $ 129,000 | $ 100,000 |
| Gaston County North Carolina | 3 | $ 663,000 | $ 221,000 | $ 49,000 |
| Wake County North Carolina | 3 | $ 921,000 | $ 307,000 | $ 48,000 |
| Carroll County Virginia | 3 | $ 280,000 | $ 93,000 | $ 42,000 |
| Giles County Virginia | 3 | $ 159,000 | $ 53,000 | $ 33,000 |
| Greensville County Virginia | 3 | $ 208,000 | $ 69,000 | $ 58,000 |
| Middlesex County Virginia | 3 | $ 757,000 | $ 252,000 | $ 251,000 |
| Montgomery County Virginia | 3 | $ 896,000 | $ 298,000 | $ 297,000 |
| Clay County West Virginia | 3 | $ 208,000 | $ 69,000 | $ 51,000 |
| Orange County Florida | 2 | $ 1,000,000 | $ 500,000 | $ 307,000 |
| St. Johns County Florida | 2 | $ 181,000 | $ 90,000 | $ 279,000 |
| Volusia County Florida | 2 | $ 354,000 | $ 177,000 | $ 138,000 |
| Buncombe County North Carolina | 2 | $ 376,000 | $ 188,000 | $ 128,000 |
| Randolph County North Carolina | 2 | $ 357,000 | $ 178,000 | $ 96,000 |
| York County South Carolina | 2 | $ 228,000 | $ 114,000 | $ 88,000 |
| Knox County Tennessee | 2 | $ 758,000 | $ 379,000 | $ 47,000 |
| Bedford County Virginia | 2 | $ 300,000 | $ 150,000 | $ 82,000 |
| Buchanan County Virginia | 2 | $ 56,000 | $ 28,000 | $ 106,000 |
| Patrick County Virginia | 2 | $ 160,000 | $ 80,000 | $ 11,000 |
| Pulaski County Virginia | 2 | $ 384,000 | $ 192,000 | $ 174,000 |
| Radford County Virginia | 2 | $ 288,000 | $ 144,000 | $ 39,000 |
| Hampshire County West Virginia | 2 | $ 220,000 | $ 110,000 | $ 122,000 |
| Marion County West Virginia | 2 | $ 190,000 | $ 95,000 | $ 57,000 |
| Putnam County West Virginia | 2 | $ 359,000 | $ 179,000 | $ 64,000 |
| Elmore County Alabama | 1 | $ 125,000 | $ 125,000 | $ 34,000 |
| Los Angeles County California | 1 | $ 89,000 | $ 89,000 | $ 63,000 |
| Brevard County Florida | 1 | $ 22,000 | $ 22,000 | $ 93,000 |
| Indian River County Florida | 1 | $ 468,000 | $ 468,000 | $ 448,000 |
| Miami-Dade County Florida | 1 | $ 198,000 | $ 198,000 | $ 65,000 |
| Hall County Georgia | 1 | $ 77,000 | $ 77,000 | $ 120,000 |
| Hancock County Indiana | 1 | $ 48,000 | $ 48,000 | $ 41,000 |
| Porter County Indiana | 1 | $ 165,000 | $ 165,000 | $ 84,000 |
| Linn County Kansas | 1 | $ 80,000 | $ 80,000 | $ 28,000 |
| Washtenaw County Michigan | 1 | $ 170,000 | $ 170,000 | $ 277,000 |
| Dent County Missouri | 1 | $ 55,000 | $ 55,000 | $ 81,000 |
| Jackson County Missouri | 1 | $ 180,000 | $ 180,000 | $ 55,000 |
| Jefferson County Missouri | 1 | $ 100,000 | $ 100,000 | $ 22,000 |
| St. Charles County Missouri | 1 | $ 208,000 | $ 208,000 | $ 130,000 |
| Clark County Nevada | 1 | $ 95,000 | $ 95,000 | $ 216,000 |
| Hunterdon County New Jersey | 1 | $ 109,000 | $ 109,000 | $ 106,000 |
| Monmouth County New Jersey | 1 | $ 417,000 | $ 417,000 | $ 185,000 |
| Suffolk County New York | 1 | $ 165,000 | $ 165,000 | $ 235,000 |
| Tompkins County New York | 1 | $ 111,000 | $ 111,000 | $ 49,000 |
| Alamance County North Carolina | 1 | $ 200,000 | $ 200,000 | $ 155,000 |
| Ashe County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 114,000 |
| Avery County North Carolina | 1 | $ 106,000 | $ 106,000 | $ 204,000 |
| Burke County North Carolina | 1 | $ 370,000 | $ 370,000 | $ 33,000 |
| Carteret County North Carolina | 1 | $ 340,000 | $ 340,000 | $ 150,000 |
| Craven County North Carolina | 1 | $ 160,000 | $ 160,000 | $ 113,000 |
| Cumberland County North Carolina | 1 | $ 68,000 | $ 68,000 | $ 72,000 |
| McDowell County North Carolina | 1 | $ 224,000 | $ 224,000 | $ 88,000 |
| Montgomery County North Carolina | 1 | $ 83,000 | $ 83,000 | $ 75,000 |
| Onslow County North Carolina | 1 | $ 180,000 | $ 180,000 | $ 66,000 |
| Person County North Carolina | 1 | $ 520,000 | $ 520,000 | $ 306,000 |
| Sampson County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 91,000 |
| Stanly County North Carolina | 1 | $ 67,000 | $ 67,000 | $ 92,000 |
| Watauga County North Carolina | 1 | $ 398,000 | $ 398,000 | $ 387,000 |
| Berkeley County South Carolina | 1 | $ 254,000 | $ 254,000 | $ 134,000 |
| Charleston County South Carolina | 1 | $ 401,000 | $ 401,000 | $ 404,000 |
| Spartanburg County South Carolina | 1 | $ 101,000 | $ 101,000 | $ 37,000 |
| Cumberland County Tennessee | 1 | $ 134,000 | $ 134,000 | $ 35,000 |
| Grainger County Tennessee | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Hamblen County Tennessee | 1 | $ 176,000 | $ 176,000 | $ 124,000 |
| Hawkins County Tennessee | 1 | $ 248,000 | $ 248,000 | $ 216,000 |
| Johnson County Tennessee | 1 | $ 64,000 | $ 64,000 | $ 60,000 |
| Sevier County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 145,000 |
| Unicoi County Tennessee | 1 | $ 15,000 | $ 15,000 | $ 26,000 |
| Travis County Texas | 1 | $ 101,000 | $ 101,000 | $ 82,000 |
| Brunswick County Virginia | 1 | $ 100,000 | $ 100,000 | $ 112,000 |
| Buena Vista County Virginia | 1 | $ 48,000 | $ 48,000 | $ 22,000 |
| Caroline County Virginia | 1 | $ 158,000 | $ 158,000 | $ 20,000 |
| Charlottesville County Virginia | 1 | $ 1,880,000 | $ 1,880,000 | $ 0 |
| Covington County Virginia | 1 | $ 40,000 | $ 40,000 | $ 22,000 |
| Dickenson County Virginia | 1 | $ 67,000 | $ 67,000 | $ 89,000 |
| Floyd County Virginia | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Frederick County Virginia | 1 | $ 97,000 | $ 97,000 | $ 63,000 |
| Galax County Virginia | 1 | $ 200,000 | $ 200,000 | $ 115,000 |
| Goochland County Virginia | 1 | $ 200,000 | $ 200,000 | $ 58,000 |
| Louisa County Virginia | 1 | $ 163,000 | $ 163,000 | $ 49,000 |
| Nelson County Virginia | 1 | $ 188,000 | $ 188,000 | $ 48,000 |
| Norton County Virginia | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Prince George County Virginia | 1 | $ 190,000 | $ 190,000 | $ 94,000 |
| Roanoke County Virginia | 1 | $ 263,000 | $ 263,000 | $ 0 |
| Russell County Virginia | 1 | $ 64,000 | $ 64,000 | $ 57,000 |
| Scott County Virginia | 1 | $ 34,000 | $ 34,000 | $ 36,000 |
| Smyth County Virginia | 1 | $ 108,000 | $ 108,000 | $ 63,000 |
| Virginia Beach County Virginia | 1 | $ 239,000 | $ 239,000 | $ 130,000 |
| Washington County Virginia | 1 | $ 124,000 | $ 124,000 | $ 80,000 |
| Wise County Virginia | 1 | $ 84,000 | $ 84,000 | $ 51,000 |
| Pierce County Washington | 1 | $ 180,000 | $ 180,000 | $ 50,000 |
| Doddridge County West Virginia | 1 | $ 83,000 | $ 83,000 | $ 100,000 |
| Gilmer County West Virginia | 1 | $ 27,000 | $ 27,000 | $ 22,000 |
| Tucker County West Virginia | 1 | $ 33,000 | $ 33,000 | $ 16,000 |
Mortgage Loan Application Detail Totals for First Community Bank in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 942 | $121,979,000 | $129,000 | $1,880,000 | $76,000 | $1,382,000 |
| Home Purchase | 725 | $86,195,000 | $118,000 | $776,000 | $85,000 | $3,096,000 |
| Home Improvement | 111 | $8,075,000 | $72,000 | $490,000 | $66,000 | $458,000 |
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 | 1,544 | $180,234,000 | $116,000 | $1,250,000 | $84,000 | $3,096,000 |
| Not applicable | 142 | $22,510,000 | $158,000 | $1,880,000 | $4,000 | $626,000 |
| Black or African American | 29 | $3,440,000 | $118,000 | $960,000 | $72,000 | $430,000 |
| Not Provided | 22 | $3,823,000 | $173,000 | $700,000 | $69,000 | $282,000 |
| Asian | 19 | $4,292,000 | $225,000 | $1,144,000 | $264,000 | $719,000 |
| Hispanic | 17 | $1,483,000 | $87,000 | $205,000 | $44,000 | $106,000 |
| American Indian or Alaskan Native | 4 | $287,000 | $71,000 | $102,000 | $106,000 | $285,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $180,000 | $180,000 | $180,000 | $115,000 | $115,000 |
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) | 1,714 | $208,862,000 | $121,000 | $1,880,000 | $80,000 | $3,096,000 |
| FHA-insured (Federal Housing Administration) | 40 | $4,310,000 | $107,000 | $222,000 | $58,000 | $159,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,845,000 | $123,000 | $486,000 | $45,000 | $115,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,232,000 | $136,000 | $199,000 | $57,000 | $79,000 |
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 | 1,031 | $123,947,000 | $120,000 | $1,880,000 | $83,000 | $3,096,000 |
| Application Denied By Financial Institution | 397 | $43,651,000 | $109,000 | $960,000 | $63,000 | $430,000 |
| Application Withdrawn By Applicant | 216 | $30,240,000 | $140,000 | $417,000 | $89,000 | $420,000 |
| Application Approved But Not Accepted | 101 | $13,289,000 | $131,000 | $490,000 | $76,000 | $762,000 |
| File Closed For Incompleteness | 33 | $5,122,000 | $155,000 | $550,000 | $89,000 | $325,000 |
| 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 | 177 | $14,822,000 | $83,000 | $660,000 | $62,000 | $331,000 |
| Debt-To-Income Ratio | 118 | $14,116,000 | $119,000 | $860,000 | $60,000 | $428,000 |
| Collateral | 56 | $7,403,000 | $132,000 | $960,000 | $72,000 | $430,000 |
| Other | 32 | $5,175,000 | $161,000 | $490,000 | $57,000 | $192,000 |
| Employment History | 6 | $523,000 | $87,000 | $167,000 | $44,000 | $72,000 |
| Credit Application Incomplete | 4 | $669,000 | $167,000 | $362,000 | $91,000 | $227,000 |
| Unverifiable Information | 3 | $813,000 | $271,000 | $520,000 | $160,000 | $306,000 |
| Mortgage Insurance Denied | 1 | $130,000 | $130,000 | $130,000 | $70,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Community Bank's 2012 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 Community Bank'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.