First Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
First Community Bank 2018 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 | 1,239 |
| Total Mortgage Loan Application Amount | $175,125,000 |
| Average Mortgage Loan Application Amount | $121,000 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $90,600 |
| Highest Applicant Income | $3,394,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | 216 | $ 23,500,000 | $ 108,000 | $ 64,000 |
| Nicholas County West Virginia | 116 | $ 13,430,000 | $ 115,000 | $ 68,000 |
| Raleigh County West Virginia | 90 | $ 10,620,000 | $ 118,000 | $ 94,000 |
| Tazewell County Virginia | 85 | $ 9,825,000 | $ 115,000 | $ 121,000 |
| Upshur County West Virginia | 61 | $ 6,955,000 | $ 114,000 | $ 69,000 |
| Wythe County Virginia | 43 | $ 5,675,000 | $ 131,000 | $ 96,000 |
| Montgomery County Virginia | 32 | $ 7,580,000 | $ 236,000 | $ 136,000 |
| Washington County Tennessee | 30 | $ 5,240,000 | $ 174,000 | $ 129,000 |
| Alexander County North Carolina | 29 | $ 3,505,000 | $ 120,000 | $ 63,000 |
| Wilkes County North Carolina | 24 | $ 3,230,000 | $ 134,000 | $ 62,000 |
| Harrison County West Virginia | 23 | $ 2,595,000 | $ 112,000 | $ 79,000 |
| Surry County North Carolina | 20 | $ 1,820,000 | $ 91,000 | $ 49,000 |
| Summers County West Virginia | 19 | $ 2,015,000 | $ 106,000 | $ 58,000 |
| Taylor County West Virginia | 19 | $ 1,695,000 | $ 89,000 | $ 50,000 |
| Carroll County Virginia | 18 | $ 2,180,000 | $ 121,000 | $ 56,000 |
| Webster County West Virginia | 18 | $ 970,000 | $ 53,000 | $ 58,000 |
| Pulaski County Virginia | 17 | $ 2,425,000 | $ 142,000 | $ 71,000 |
| Monroe County West Virginia | 17 | $ 1,365,000 | $ 80,000 | $ 41,000 |
| Fayette County West Virginia | 16 | $ 2,310,000 | $ 144,000 | $ 116,000 |
| Sullivan County Tennessee | 15 | $ 2,335,000 | $ 155,000 | $ 82,000 |
| Catawba County North Carolina | 13 | $ 2,675,000 | $ 205,000 | $ 85,000 |
| Carter County Tennessee | 13 | $ 1,335,000 | $ 102,000 | $ 101,000 |
| Washington County Virginia | 13 | $ 2,785,000 | $ 214,000 | $ 96,000 |
| Wyoming County West Virginia | 13 | $ 1,265,000 | $ 97,000 | $ 94,000 |
| Alleghany County North Carolina | 12 | $ 1,550,000 | $ 129,000 | $ 322,000 |
| Guilford County North Carolina | 12 | $ 1,290,000 | $ 107,000 | $ 168,000 |
| Bristol County Virginia | 12 | $ 780,000 | $ 65,000 | $ 87,000 |
| Bland County Virginia | 9 | $ 675,000 | $ 75,000 | $ 53,000 |
| Mecklenburg County North Carolina | 8 | $ 2,060,000 | $ 257,000 | $ 169,000 |
| Yadkin County North Carolina | 8 | $ 690,000 | $ 86,000 | $ 43,000 |
| Henrico County Virginia | 8 | $ 4,710,000 | $ 588,000 | $ 1,089,000 |
| Radford County Virginia | 8 | $ 1,310,000 | $ 163,000 | $ 170,000 |
| Lewis County West Virginia | 7 | $ 435,000 | $ 62,000 | $ 48,000 |
| Unicoi County Tennessee | 6 | $ 860,000 | $ 143,000 | $ 60,000 |
| Dickenson County Virginia | 6 | $ 490,000 | $ 81,000 | $ 42,000 |
| Caldwell County North Carolina | 5 | $ 405,000 | $ 81,000 | $ 99,000 |
| Iredell County North Carolina | 5 | $ 815,000 | $ 163,000 | $ 158,000 |
| Greene County Tennessee | 5 | $ 1,085,000 | $ 217,000 | $ 211,000 |
| Roanoke County Virginia | 5 | $ 2,015,000 | $ 403,000 | $ 90,000 |
| Barbour County West Virginia | 5 | $ 495,000 | $ 99,000 | $ 91,000 |
| Braxton County West Virginia | 5 | $ 415,000 | $ 83,000 | $ 74,000 |
| Greenbrier County West Virginia | 5 | $ 995,000 | $ 199,000 | $ 80,000 |
| Logan County West Virginia | 5 | $ 345,000 | $ 69,000 | $ 57,000 |
| Marion County West Virginia | 5 | $ 585,000 | $ 117,000 | $ 29,000 |
| Burke County North Carolina | 4 | $ 600,000 | $ 150,000 | $ 87,000 |
| Forsyth County North Carolina | 4 | $ 1,370,000 | $ 342,000 | $ 152,000 |
| Stokes County North Carolina | 4 | $ 520,000 | $ 130,000 | $ 50,000 |
| Sevier County Tennessee | 4 | $ 580,000 | $ 145,000 | $ 97,000 |
| Richmond City County Virginia | 4 | $ 850,000 | $ 212,000 | $ 303,000 |
| Russell County Virginia | 4 | $ 590,000 | $ 147,000 | $ 76,000 |
| Smyth County Virginia | 4 | $ 820,000 | $ 205,000 | $ 55,000 |
| McDowell County West Virginia | 4 | $ 240,000 | $ 60,000 | $ 61,000 |
| Preston County West Virginia | 4 | $ 440,000 | $ 110,000 | $ 51,000 |
| Chesterfield County Virginia | 3 | $ 915,000 | $ 305,000 | $ 131,000 |
| Emporia County Virginia | 3 | $ 275,000 | $ 91,000 | $ 52,000 |
| Floyd County Virginia | 3 | $ 365,000 | $ 121,000 | $ 66,000 |
| Greensville County Virginia | 3 | $ 45,000 | $ 15,000 | $ 41,000 |
| Hanover County Virginia | 3 | $ 715,000 | $ 238,000 | $ 141,000 |
| Petersburg County Virginia | 3 | $ 145,000 | $ 48,000 | $ 0 |
| Roanoke City County Virginia | 3 | $ 835,000 | $ 278,000 | $ 53,000 |
| Scott County Virginia | 3 | $ 315,000 | $ 105,000 | $ 14,000 |
| Hardy County West Virginia | 3 | $ 585,000 | $ 195,000 | $ 136,000 |
| Monongalia County West Virginia | 3 | $ 895,000 | $ 298,000 | $ 24,000 |
| Davidson County North Carolina | 2 | $ 580,000 | $ 290,000 | $ 126,000 |
| Davie County North Carolina | 2 | $ 1,280,000 | $ 640,000 | $ 280,000 |
| Lincoln County North Carolina | 2 | $ 140,000 | $ 70,000 | $ 73,000 |
| New Hanover County North Carolina | 2 | $ 600,000 | $ 300,000 | $ 92,000 |
| Wake County North Carolina | 2 | $ 1,300,000 | $ 650,000 | $ 293,000 |
| Fulton County Pennsylvania | 2 | $ 810,000 | $ 405,000 | $ 210,000 |
| Hawkins County Tennessee | 2 | $ 190,000 | $ 95,000 | $ 50,000 |
| Amelia County Virginia | 2 | $ 490,000 | $ 245,000 | $ 237,000 |
| Brunswick County Virginia | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Buchanan County Virginia | 2 | $ 380,000 | $ 190,000 | $ 177,000 |
| Fairfax County Virginia | 2 | $ 250,000 | $ 125,000 | $ 1,485,000 |
| Giles County Virginia | 2 | $ 270,000 | $ 135,000 | $ 176,000 |
| Goochland County Virginia | 2 | $ 3,910,000 | $ 1,955,000 | $ 227,000 |
| Salem County Virginia | 2 | $ 330,000 | $ 165,000 | $ 48,000 |
| Wise County Virginia | 2 | $ 50,000 | $ 25,000 | $ 0 |
| Clay County West Virginia | 2 | $ 230,000 | $ 115,000 | $ 44,000 |
| Pocahontas County West Virginia | 2 | $ 370,000 | $ 185,000 | $ 145,000 |
| Tucker County West Virginia | 2 | $ 180,000 | $ 90,000 | $ 94,000 |
| Palm Beach County Florida | 1 | $ 135,000 | $ 135,000 | $ 150,000 |
| Henry County Georgia | 1 | $ 225,000 | $ 225,000 | $ 97,000 |
| DuPage County Illinois | 1 | $ 555,000 | $ 555,000 | $ 490,000 |
| Cleveland County North Carolina | 1 | $ 2,505,000 | $ 2,505,000 | $ 0 |
| Durham County North Carolina | 1 | $ 2,005,000 | $ 2,005,000 | $ 0 |
| McDowell County North Carolina | 1 | $ 405,000 | $ 405,000 | $ 77,000 |
| Rockingham County North Carolina | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Rowan County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 70,000 |
| Union County North Carolina | 1 | $ 295,000 | $ 295,000 | $ 384,000 |
| Watauga County North Carolina | 1 | $ 485,000 | $ 485,000 | $ 273,000 |
| Washington County Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 111,000 |
| Horry County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Claiborne County Tennessee | 1 | $ 255,000 | $ 255,000 | $ 83,000 |
| Jefferson County Tennessee | 1 | $ 535,000 | $ 535,000 | $ 154,000 |
| Johnson County Tennessee | 1 | $ 65,000 | $ 65,000 | $ 98,000 |
| Franklin County Virginia | 1 | $ 495,000 | $ 495,000 | $ 190,000 |
| Galax County Virginia | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Grayson County Virginia | 1 | $ 135,000 | $ 135,000 | $ 37,000 |
| Lee County Virginia | 1 | $ 395,000 | $ 395,000 | $ 201,000 |
| Louisa County Virginia | 1 | $ 365,000 | $ 365,000 | $ 110,000 |
| Mecklenburg County Virginia | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Nelson County Virginia | 1 | $ 275,000 | $ 275,000 | $ 334,000 |
| Norton County Virginia | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Nottoway County Virginia | 1 | $ 355,000 | $ 355,000 | $ 109,000 |
| Patrick County Virginia | 1 | $ 45,000 | $ 45,000 | $ 28,000 |
| Pittsylvania County Virginia | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Portsmouth County Virginia | 1 | $ 235,000 | $ 235,000 | $ 80,000 |
| Powhatan County Virginia | 1 | $ 425,000 | $ 425,000 | $ 131,000 |
| Spotsylvania County Virginia | 1 | $ 265,000 | $ 265,000 | $ 136,000 |
| Williamsburg County Virginia | 1 | $ 85,000 | $ 85,000 | $ 66,000 |
| Cabell County West Virginia | 1 | $ 125,000 | $ 125,000 | $ 395,000 |
| Doddridge County West Virginia | 1 | $ 195,000 | $ 195,000 | $ 35,000 |
| Jackson County West Virginia | 1 | $ 265,000 | $ 265,000 | $ 96,000 |
| Kanawha County West Virginia | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Mingo County West Virginia | 1 | $ 55,000 | $ 55,000 | $ 26,000 |
Mortgage Loan Application Detail Totals for First Community Bank in 2018
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 | 679 | $99,935,000 | $147,000 | $2,005,000 | $98,000 | $2,062,000 |
| Cash-out Refinancing | 276 | $37,950,000 | $137,000 | $3,005,000 | $75,000 | $815,000 |
| Refinancing | 165 | $28,175,000 | $170,000 | $2,505,000 | $113,000 | $3,394,000 |
| Home Improvement | 64 | $5,120,000 | $80,000 | $1,165,000 | $113,000 | $1,485,000 |
| Other Purpose | 55 | $3,945,000 | $71,000 | $505,000 | $54,000 | $170,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 1,021 | $131,235,000 | $128,000 | $1,505,000 | $89,000 | $3,394,000 |
| Not applicable | 167 | $35,705,000 | $213,000 | $3,005,000 | $0 | $0 |
| Not Provided | 15 | $2,935,000 | $195,000 | $525,000 | $121,000 | $432,000 |
| Hispanic | 14 | $1,370,000 | $97,000 | $275,000 | $55,000 | $165,000 |
| Black or African American | 10 | $1,050,000 | $105,000 | $405,000 | $68,000 | $152,000 |
| Asian | 8 | $2,410,000 | $301,000 | $775,000 | $231,000 | $719,000 |
| American Indian or Alaskan Native | 1 | $125,000 | $125,000 | $125,000 | $38,000 | $38,000 |
| 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) | 1,239 | $175,125,000 | $141,000 | $3,005,000 | $93,000 | $3,394,000 |
| 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 | 804 | $120,500,000 | $149,000 | $3,005,000 | $98,000 | $1,485,000 |
| Application Denied By Financial Institution | 249 | $27,335,000 | $109,000 | $1,205,000 | $57,000 | $432,000 |
| Application Withdrawn By Applicant | 93 | $13,825,000 | $148,000 | $825,000 | $130,000 | $3,394,000 |
| File Closed For Incompleteness | 72 | $9,390,000 | $130,000 | $1,105,000 | $80,000 | $706,000 |
| Application Approved But Not Accepted | 21 | $4,075,000 | $194,000 | $1,505,000 | $229,000 | $2,062,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 990 | $147,790,000 | $149,000 | $3,005,000 | $103,000 | $3,394,000 |
| Credit History | 127 | $10,755,000 | $84,000 | $505,000 | $56,000 | $432,000 |
| Debt-To-Income Ratio | 64 | $8,330,000 | $130,000 | $495,000 | $49,000 | $188,000 |
| Collateral | 24 | $2,930,000 | $122,000 | $335,000 | $71,000 | $250,000 |
| Employment History | 14 | $1,490,000 | $106,000 | $205,000 | $40,000 | $116,000 |
| Other | 9 | $2,455,000 | $272,000 | $1,205,000 | $134,000 | $288,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $755,000 | $107,000 | $155,000 | $71,000 | $192,000 |
| Unverifiable Information | 2 | $170,000 | $85,000 | $105,000 | $36,000 | $48,000 |
| Credit Application Incomplete | 2 | $450,000 | $225,000 | $275,000 | $56,000 | $56,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Community Bank's 2018 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.