First Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
First Community Bank 2016 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 | 1,663 |
| Total Mortgage Loan Application Amount | $283,287,000 |
| Average Mortgage Loan Application Amount | $158,333 |
| Highest Mortgage Loan Application Amount | $11,270,000 |
| Average Applicant Income | $67,333 |
| Highest Applicant Income | $2,045,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 261 | $ 26,638,000 | $ 102,000 | $ 62,000 |
| Nicholas County West Virginia | 108 | $ 11,748,000 | $ 108,000 | $ 57,000 |
| Upshur County West Virginia | 100 | $ 11,565,000 | $ 115,000 | $ 75,000 |
| Tazewell County Virginia | 88 | $ 13,813,000 | $ 156,000 | $ 52,000 |
| Raleigh County West Virginia | 78 | $ 12,320,000 | $ 157,000 | $ 72,000 |
| Washington County Tennessee | 73 | $ 13,456,000 | $ 184,000 | $ 95,000 |
| Forsyth County North Carolina | 59 | $ 7,903,000 | $ 133,000 | $ 28,000 |
| Wythe County Virginia | 58 | $ 6,847,000 | $ 118,000 | $ 61,000 |
| Surry County North Carolina | 49 | $ 4,575,000 | $ 93,000 | $ 46,000 |
| Alexander County North Carolina | 42 | $ 5,115,000 | $ 121,000 | $ 66,000 |
| Webster County West Virginia | 38 | $ 2,341,000 | $ 61,000 | $ 58,000 |
| Mecklenburg County North Carolina | 33 | $ 6,876,000 | $ 208,000 | $ 63,000 |
| Montgomery County Virginia | 33 | $ 7,478,000 | $ 226,000 | $ 108,000 |
| Summers County West Virginia | 29 | $ 2,753,000 | $ 94,000 | $ 63,000 |
| Taylor County West Virginia | 28 | $ 2,860,000 | $ 102,000 | $ 76,000 |
| Wyoming County West Virginia | 27 | $ 1,604,000 | $ 59,000 | $ 65,000 |
| Harrison County West Virginia | 25 | $ 6,808,000 | $ 272,000 | $ 42,000 |
| Washington County Virginia | 24 | $ 7,890,000 | $ 328,000 | $ 125,000 |
| Alleghany County North Carolina | 22 | $ 2,805,000 | $ 127,000 | $ 117,000 |
| Richmond City County Virginia | 22 | $ 22,527,000 | $ 1,023,000 | $ 67,000 |
| Pulaski County Virginia | 21 | $ 2,779,000 | $ 132,000 | $ 54,000 |
| Wilkes County North Carolina | 19 | $ 1,797,000 | $ 94,000 | $ 73,000 |
| Sullivan County Tennessee | 19 | $ 3,342,000 | $ 175,000 | $ 131,000 |
| Guilford County North Carolina | 16 | $ 3,248,000 | $ 203,000 | $ 37,000 |
| Carroll County Virginia | 16 | $ 1,501,000 | $ 93,000 | $ 63,000 |
| Fayette County West Virginia | 16 | $ 2,254,000 | $ 140,000 | $ 128,000 |
| Logan County West Virginia | 16 | $ 1,321,000 | $ 82,000 | $ 47,000 |
| Monroe County West Virginia | 16 | $ 1,856,000 | $ 116,000 | $ 64,000 |
| Lewis County West Virginia | 15 | $ 1,487,000 | $ 99,000 | $ 68,000 |
| Iredell County North Carolina | 14 | $ 2,123,000 | $ 151,000 | $ 65,000 |
| Bland County Virginia | 12 | $ 1,304,000 | $ 108,000 | $ 52,000 |
| Carter County Tennessee | 11 | $ 4,746,000 | $ 431,000 | $ 89,000 |
| Davidson County North Carolina | 10 | $ 1,458,000 | $ 145,000 | $ 54,000 |
| Chesterfield County Virginia | 10 | $ 5,444,000 | $ 544,000 | $ 53,000 |
| Stokes County North Carolina | 9 | $ 699,000 | $ 77,000 | $ 58,000 |
| Greene County Tennessee | 9 | $ 974,000 | $ 108,000 | $ 93,000 |
| Catawba County North Carolina | 8 | $ 1,989,000 | $ 248,000 | $ 30,000 |
| Davie County North Carolina | 8 | $ 1,097,000 | $ 137,000 | $ 36,000 |
| Russell County Virginia | 8 | $ 772,000 | $ 96,000 | $ 130,000 |
| Yadkin County North Carolina | 7 | $ 493,000 | $ 70,000 | $ 44,000 |
| Giles County Virginia | 7 | $ 680,000 | $ 97,000 | $ 71,000 |
| Henrico County Virginia | 7 | $ 1,356,000 | $ 193,000 | $ 43,000 |
| Greenbrier County West Virginia | 7 | $ 2,809,000 | $ 401,000 | $ 92,000 |
| Randolph County West Virginia | 7 | $ 1,340,000 | $ 191,000 | $ 58,000 |
| Braxton County West Virginia | 6 | $ 658,000 | $ 109,000 | $ 58,000 |
| Marion County West Virginia | 6 | $ 2,623,000 | $ 437,000 | $ 169,000 |
| Lincoln County North Carolina | 5 | $ 1,941,000 | $ 388,000 | $ 84,000 |
| Sevier County Tennessee | 5 | $ 2,723,000 | $ 544,000 | $ 184,000 |
| Bristol County Virginia | 5 | $ 984,000 | $ 196,000 | $ 55,000 |
| Floyd County Virginia | 5 | $ 915,000 | $ 183,000 | $ 70,000 |
| Monongalia County West Virginia | 5 | $ 934,000 | $ 186,000 | $ 58,000 |
| Caldwell County North Carolina | 4 | $ 529,000 | $ 132,000 | $ 31,000 |
| Rowan County North Carolina | 4 | $ 436,000 | $ 109,000 | $ 47,000 |
| Wake County North Carolina | 4 | $ 929,000 | $ 232,000 | $ 20,000 |
| Greensville County Virginia | 4 | $ 339,000 | $ 84,000 | $ 41,000 |
| Radford County Virginia | 4 | $ 397,000 | $ 99,000 | $ 47,000 |
| Kanawha County West Virginia | 4 | $ 2,257,000 | $ 564,000 | $ 24,000 |
| Tucker County West Virginia | 4 | $ 314,000 | $ 78,000 | $ 70,000 |
| Durham County North Carolina | 3 | $ 541,000 | $ 180,000 | $ 18,000 |
| Randolph County North Carolina | 3 | $ 215,000 | $ 71,000 | $ 67,000 |
| Hawkins County Tennessee | 3 | $ 324,000 | $ 108,000 | $ 36,000 |
| Unicoi County Tennessee | 3 | $ 322,000 | $ 107,000 | $ 39,000 |
| Grayson County Virginia | 3 | $ 209,000 | $ 69,000 | $ 65,000 |
| Barbour County West Virginia | 3 | $ 155,000 | $ 51,000 | $ 23,000 |
| Boone County West Virginia | 3 | $ 179,000 | $ 59,000 | $ 60,000 |
| Mingo County West Virginia | 3 | $ 283,000 | $ 94,000 | $ 33,000 |
| Alamance County North Carolina | 2 | $ 379,000 | $ 189,000 | $ 0 |
| Brunswick County North Carolina | 2 | $ 287,000 | $ 143,000 | $ 95,000 |
| Gaston County North Carolina | 2 | $ 139,000 | $ 69,000 | $ 201,000 |
| Pitt County North Carolina | 2 | $ 293,000 | $ 146,000 | $ 0 |
| Rockingham County North Carolina | 2 | $ 110,000 | $ 55,000 | $ 41,000 |
| Allegheny County Pennsylvania | 2 | $ 256,000 | $ 128,000 | $ 0 |
| Horry County South Carolina | 2 | $ 248,000 | $ 124,000 | $ 37,000 |
| Johnson County Tennessee | 2 | $ 162,000 | $ 81,000 | $ 55,000 |
| Knox County Tennessee | 2 | $ 1,232,000 | $ 616,000 | $ 52,000 |
| Emporia County Virginia | 2 | $ 262,000 | $ 131,000 | $ 24,000 |
| Fairfax County Virginia | 2 | $ 704,000 | $ 352,000 | $ 1,236,000 |
| Galax County Virginia | 2 | $ 80,000 | $ 40,000 | $ 50,000 |
| Goochland County Virginia | 2 | $ 586,000 | $ 293,000 | $ 260,000 |
| Hanover County Virginia | 2 | $ 240,000 | $ 120,000 | $ 81,000 |
| Petersburg County Virginia | 2 | $ 274,000 | $ 137,000 | $ 0 |
| Roanoke County Virginia | 2 | $ 531,000 | $ 265,000 | $ 100,000 |
| Roanoke City County Virginia | 2 | $ 719,000 | $ 359,000 | $ 0 |
| Scott County Virginia | 2 | $ 230,000 | $ 115,000 | $ 143,000 |
| Smyth County Virginia | 2 | $ 280,000 | $ 140,000 | $ 173,000 |
| Cabell County West Virginia | 2 | $ 174,000 | $ 87,000 | $ 42,000 |
| Doddridge County West Virginia | 2 | $ 278,000 | $ 139,000 | $ 85,000 |
| McDowell County West Virginia | 2 | $ 57,000 | $ 28,000 | $ 47,000 |
| Pocahontas County West Virginia | 2 | $ 303,000 | $ 151,000 | $ 88,000 |
| Orange County Florida | 1 | $ 600,000 | $ 600,000 | $ 174,000 |
| Burke County North Carolina | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Cabarrus County North Carolina | 1 | $ 299,000 | $ 299,000 | $ 0 |
| Columbus County North Carolina | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Cumberland County North Carolina | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Harnett County North Carolina | 1 | $ 880,000 | $ 880,000 | $ 0 |
| New Hanover County North Carolina | 1 | $ 88,000 | $ 88,000 | $ 28,000 |
| Orange County North Carolina | 1 | $ 141,000 | $ 141,000 | $ 175,000 |
| Watauga County North Carolina | 1 | $ 242,000 | $ 242,000 | $ 420,000 |
| Wilson County North Carolina | 1 | $ 11,200,000 | $ 11,200,000 | $ 0 |
| Lorain County Ohio | 1 | $ 284,000 | $ 284,000 | $ 300,000 |
| Washington County Pennsylvania | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Beaufort County South Carolina | 1 | $ 633,000 | $ 633,000 | $ 0 |
| Charleston County South Carolina | 1 | $ 350,000 | $ 350,000 | $ 42,000 |
| Richland County South Carolina | 1 | $ 25,000 | $ 25,000 | $ 56,000 |
| Spartanburg County South Carolina | 1 | $ 25,000 | $ 25,000 | $ 30,000 |
| Minnehaha County South Dakota | 1 | $ 400,000 | $ 400,000 | $ 112,000 |
| Hamilton County Tennessee | 1 | $ 144,000 | $ 144,000 | $ 506,000 |
| Hancock County Tennessee | 1 | $ 70,000 | $ 70,000 | $ 53,000 |
| Albemarle County Virginia | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Alleghany County Virginia | 1 | $ 186,000 | $ 186,000 | $ 100,000 |
| Amelia County Virginia | 1 | $ 141,000 | $ 141,000 | $ 44,000 |
| Bedford County Virginia | 1 | $ 32,000 | $ 32,000 | $ 80,000 |
| Botetourt County Virginia | 1 | $ 497,000 | $ 497,000 | $ 0 |
| Buchanan County Virginia | 1 | $ 78,000 | $ 78,000 | $ 23,000 |
| Dickenson County Virginia | 1 | $ 72,000 | $ 72,000 | $ 46,000 |
| Franklin County Virginia | 1 | $ 65,000 | $ 65,000 | $ 75,000 |
| Hopewell County Virginia | 1 | $ 75,000 | $ 75,000 | $ 22,000 |
| Lancaster County Virginia | 1 | $ 382,000 | $ 382,000 | $ 230,000 |
| Nelson County Virginia | 1 | $ 192,000 | $ 192,000 | $ 121,000 |
| Norfolk County Virginia | 1 | $ 11,270,000 | $ 11,270,000 | $ 0 |
| Northumberland County Virginia | 1 | $ 668,000 | $ 668,000 | $ 453,000 |
| Norton County Virginia | 1 | $ 157,000 | $ 157,000 | $ 76,000 |
| Patrick County Virginia | 1 | $ 97,000 | $ 97,000 | $ 135,000 |
| Powhatan County Virginia | 1 | $ 462,000 | $ 462,000 | $ 148,000 |
| Prince William County Virginia | 1 | $ 461,000 | $ 461,000 | $ 136,000 |
| Shenandoah County Virginia | 1 | $ 64,000 | $ 64,000 | $ 39,000 |
| Sussex County Virginia | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Wise County Virginia | 1 | $ 40,000 | $ 40,000 | $ 36,000 |
| Gilmer County West Virginia | 1 | $ 140,000 | $ 140,000 | $ 67,000 |
| Ohio County West Virginia | 1 | $ 23,000 | $ 23,000 | $ 24,000 |
| Preston County West Virginia | 1 | $ 70,000 | $ 70,000 | $ 30,000 |
| Putnam County West Virginia | 1 | $ 680,000 | $ 680,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Community Bank in 2016
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 | 854 | $150,820,000 | $176,000 | $11,270,000 | $68,000 | $780,000 |
| Refinancing | 658 | $113,074,000 | $171,000 | $5,500,000 | $71,000 | $2,045,000 |
| Home Improvement | 151 | $19,393,000 | $128,000 | $2,530,000 | $63,000 | $629,000 |
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 | 1,313 | $163,153,000 | $124,000 | $1,500,000 | $80,000 | $2,045,000 |
| Not applicable | 254 | $106,495,000 | $419,000 | $11,270,000 | $0 | $0 |
| Not Provided | 30 | $4,076,000 | $135,000 | $793,000 | $76,000 | $300,000 |
| Hispanic | 29 | $3,805,000 | $131,000 | $409,000 | $69,000 | $420,000 |
| Black or African American | 21 | $1,872,000 | $89,000 | $241,000 | $63,000 | $506,000 |
| Asian | 14 | $3,419,000 | $244,000 | $600,000 | $256,000 | $1,236,000 |
| American Indian or Alaskan Native | 1 | $340,000 | $340,000 | $340,000 | $166,000 | $166,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $127,000 | $127,000 | $127,000 | $105,000 | $105,000 |
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) | 1,663 | $283,287,000 | $170,000 | $11,270,000 | $69,000 | $2,045,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 1,071 | $209,900,000 | $195,000 | $11,270,000 | $73,000 | $2,045,000 |
| Application Denied By Financial Institution | 292 | $36,992,000 | $126,000 | $1,500,000 | $54,000 | $598,000 |
| Application Withdrawn By Applicant | 152 | $18,501,000 | $121,000 | $626,000 | $69,000 | $780,000 |
| File Closed For Incompleteness | 89 | $11,259,000 | $126,000 | $530,000 | $74,000 | $450,000 |
| Application Approved But Not Accepted | 59 | $6,635,000 | $112,000 | $550,000 | $56,000 | $327,000 |
| 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 | 123 | $12,011,000 | $97,000 | $1,500,000 | $52,000 | $540,000 |
| Debt-To-Income Ratio | 101 | $15,269,000 | $151,000 | $884,000 | $42,000 | $237,000 |
| Collateral | 39 | $5,200,000 | $133,000 | $650,000 | $69,000 | $300,000 |
| Employment History | 9 | $1,691,000 | $187,000 | $553,000 | $57,000 | $179,000 |
| Unverifiable Information | 8 | $483,000 | $60,000 | $86,000 | $54,000 | $114,000 |
| Other | 6 | $1,097,000 | $182,000 | $340,000 | $166,000 | $598,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,131,000 | $226,000 | $680,000 | $81,000 | $254,000 |
| Credit Application Incomplete | 1 | $110,000 | $110,000 | $110,000 | $54,000 | $54,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Community Bank's 2016 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.