First Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
First Community Bank 2020 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 | 2,434 |
| Total Mortgage Loan Application Amount | $452,380,000 |
| Average Mortgage Loan Application Amount | $152,600 |
| Highest Mortgage Loan Application Amount | $8,505,000 |
| Average Applicant Income | $85,800 |
| Highest Applicant Income | $1,998,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 361 | $ 51,985,000 | $ 144,000 | $ 90,000 |
| Nicholas County West Virginia | 217 | $ 30,495,000 | $ 140,000 | $ 81,000 |
| Tazewell County Virginia | 136 | $ 19,620,000 | $ 144,000 | $ 82,000 |
| Upshur County West Virginia | 112 | $ 16,180,000 | $ 144,000 | $ 73,000 |
| Raleigh County West Virginia | 107 | $ 18,755,000 | $ 175,000 | $ 91,000 |
| Montgomery County Virginia | 96 | $ 28,690,000 | $ 298,000 | $ 112,000 |
| Washington County Virginia | 85 | $ 15,325,000 | $ 180,000 | $ 79,000 |
| Watauga County North Carolina | 79 | $ 22,365,000 | $ 283,000 | $ 94,000 |
| Alexander County North Carolina | 78 | $ 14,860,000 | $ 190,000 | $ 110,000 |
| Wythe County Virginia | 65 | $ 10,755,000 | $ 165,000 | $ 77,000 |
| Fayette County West Virginia | 43 | $ 5,785,000 | $ 134,000 | $ 152,000 |
| Surry County North Carolina | 41 | $ 5,465,000 | $ 133,000 | $ 62,000 |
| Wilkes County North Carolina | 41 | $ 5,785,000 | $ 141,000 | $ 68,000 |
| Pulaski County Virginia | 40 | $ 8,990,000 | $ 224,000 | $ 88,000 |
| Washington County Tennessee | 37 | $ 7,145,000 | $ 193,000 | $ 119,000 |
| Alleghany County North Carolina | 36 | $ 4,760,000 | $ 132,000 | $ 79,000 |
| Avery County North Carolina | 34 | $ 7,970,000 | $ 234,000 | $ 128,000 |
| Sullivan County Tennessee | 34 | $ 5,980,000 | $ 175,000 | $ 95,000 |
| Wyoming County West Virginia | 32 | $ 2,690,000 | $ 84,000 | $ 81,000 |
| Monroe County West Virginia | 30 | $ 4,540,000 | $ 151,000 | $ 91,000 |
| Webster County West Virginia | 30 | $ 2,520,000 | $ 84,000 | $ 74,000 |
| Summers County West Virginia | 27 | $ 3,815,000 | $ 141,000 | $ 76,000 |
| Richmond City County Virginia | 26 | $ 6,040,000 | $ 232,000 | $ 116,000 |
| Harrison County West Virginia | 26 | $ 6,870,000 | $ 264,000 | $ 59,000 |
| Taylor County West Virginia | 24 | $ 3,830,000 | $ 159,000 | $ 103,000 |
| Carroll County Virginia | 23 | $ 2,885,000 | $ 125,000 | $ 61,000 |
| Catawba County North Carolina | 21 | $ 5,625,000 | $ 267,000 | $ 149,000 |
| Radford County Virginia | 19 | $ 4,505,000 | $ 237,000 | $ 68,000 |
| Russell County Virginia | 19 | $ 3,455,000 | $ 181,000 | $ 77,000 |
| Forsyth County North Carolina | 18 | $ 3,220,000 | $ 178,000 | $ 169,000 |
| Iredell County North Carolina | 18 | $ 4,860,000 | $ 270,000 | $ 103,000 |
| Mecklenburg County North Carolina | 18 | $ 5,500,000 | $ 305,000 | $ 195,000 |
| Bland County Virginia | 18 | $ 2,710,000 | $ 150,000 | $ 96,000 |
| Chesterfield County Virginia | 18 | $ 4,900,000 | $ 272,000 | $ 126,000 |
| Carter County Tennessee | 17 | $ 2,355,000 | $ 138,000 | $ 54,000 |
| Smyth County Virginia | 17 | $ 2,075,000 | $ 122,000 | $ 80,000 |
| Ashe County North Carolina | 15 | $ 2,285,000 | $ 152,000 | $ 59,000 |
| Braxton County West Virginia | 15 | $ 3,085,000 | $ 205,000 | $ 96,000 |
| Logan County West Virginia | 15 | $ 845,000 | $ 56,000 | $ 48,000 |
| Sevier County Tennessee | 14 | $ 3,570,000 | $ 255,000 | $ 132,000 |
| Bristol County Virginia | 14 | $ 1,380,000 | $ 98,000 | $ 63,000 |
| Grayson County Virginia | 14 | $ 2,300,000 | $ 164,000 | $ 63,000 |
| Lewis County West Virginia | 12 | $ 1,130,000 | $ 94,000 | $ 44,000 |
| Randolph County West Virginia | 12 | $ 1,920,000 | $ 160,000 | $ 91,000 |
| Yadkin County North Carolina | 11 | $ 1,035,000 | $ 94,000 | $ 101,000 |
| Henrico County Virginia | 11 | $ 2,325,000 | $ 211,000 | $ 89,000 |
| Roanoke City County Virginia | 10 | $ 5,040,000 | $ 504,000 | $ 129,000 |
| Horry County South Carolina | 9 | $ 1,725,000 | $ 191,000 | $ 222,000 |
| Hanover County Virginia | 9 | $ 3,105,000 | $ 345,000 | $ 136,000 |
| Greenbrier County West Virginia | 9 | $ 6,385,000 | $ 709,000 | $ 89,000 |
| Caldwell County North Carolina | 8 | $ 1,860,000 | $ 232,000 | $ 103,000 |
| Giles County Virginia | 8 | $ 760,000 | $ 95,000 | $ 106,000 |
| Goochland County Virginia | 8 | $ 4,740,000 | $ 592,000 | $ 571,000 |
| Roanoke County Virginia | 8 | $ 3,010,000 | $ 376,000 | $ 110,000 |
| Barbour County West Virginia | 8 | $ 1,500,000 | $ 187,000 | $ 142,000 |
| Monongalia County West Virginia | 8 | $ 3,870,000 | $ 483,000 | $ 174,000 |
| Guilford County North Carolina | 7 | $ 705,000 | $ 100,000 | $ 93,000 |
| Buchanan County Virginia | 6 | $ 640,000 | $ 106,000 | $ 65,000 |
| Patrick County Virginia | 6 | $ 760,000 | $ 126,000 | $ 102,000 |
| Kanawha County West Virginia | 6 | $ 1,350,000 | $ 225,000 | $ 100,000 |
| Marion County West Virginia | 6 | $ 750,000 | $ 125,000 | $ 76,000 |
| Stokes County North Carolina | 5 | $ 745,000 | $ 149,000 | $ 75,000 |
| Jefferson County Tennessee | 5 | $ 1,375,000 | $ 275,000 | $ 125,000 |
| Knox County Tennessee | 5 | $ 685,000 | $ 137,000 | $ 87,000 |
| Floyd County Virginia | 5 | $ 1,315,000 | $ 263,000 | $ 105,000 |
| Scott County Virginia | 5 | $ 655,000 | $ 131,000 | $ 50,000 |
| Gilmer County West Virginia | 5 | $ 505,000 | $ 101,000 | $ 39,000 |
| Davie County North Carolina | 4 | $ 1,000,000 | $ 250,000 | $ 62,000 |
| Lincoln County North Carolina | 4 | $ 900,000 | $ 225,000 | $ 92,000 |
| Bedford County Virginia | 4 | $ 1,190,000 | $ 297,000 | $ 147,000 |
| Petersburg County Virginia | 4 | $ 990,000 | $ 247,000 | $ 0 |
| Salem County Virginia | 4 | $ 590,000 | $ 147,000 | $ 74,000 |
| McDowell County West Virginia | 4 | $ 160,000 | $ 40,000 | $ 83,000 |
| Tucker County West Virginia | 4 | $ 480,000 | $ 120,000 | $ 228,000 |
| Brunswick County North Carolina | 3 | $ 745,000 | $ 248,000 | $ 128,000 |
| Cabarrus County North Carolina | 3 | $ 1,145,000 | $ 381,000 | $ 107,000 |
| Wake County North Carolina | 3 | $ 945,000 | $ 315,000 | $ 200,000 |
| Beaufort County South Carolina | 3 | $ 2,925,000 | $ 975,000 | $ 421,000 |
| Hamblen County Tennessee | 3 | $ 685,000 | $ 228,000 | $ 71,000 |
| Galax County Virginia | 3 | $ 245,000 | $ 81,000 | $ 37,000 |
| Powhatan County Virginia | 3 | $ 1,195,000 | $ 398,000 | $ 147,000 |
| Davidson County North Carolina | 2 | $ 570,000 | $ 285,000 | $ 78,000 |
| Union County North Carolina | 2 | $ 310,000 | $ 155,000 | $ 108,000 |
| Charleston County South Carolina | 2 | $ 1,160,000 | $ 580,000 | $ 273,000 |
| Johnson County Tennessee | 2 | $ 380,000 | $ 190,000 | $ 49,000 |
| Brunswick County Virginia | 2 | $ 440,000 | $ 220,000 | $ 98,000 |
| Dickenson County Virginia | 2 | $ 180,000 | $ 90,000 | $ 35,000 |
| Franklin County Virginia | 2 | $ 800,000 | $ 400,000 | $ 115,000 |
| Harrisonburg County Virginia | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Rockingham County Virginia | 2 | $ 790,000 | $ 395,000 | $ 166,000 |
| Wise County Virginia | 2 | $ 230,000 | $ 115,000 | $ 53,000 |
| Orange County Florida | 1 | $ 275,000 | $ 275,000 | $ 400,000 |
| Glynn County Georgia | 1 | $ 435,000 | $ 435,000 | $ 236,000 |
| Buncombe County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Currituck County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Dare County North Carolina | 1 | $ 495,000 | $ 495,000 | $ 46,000 |
| Gaston County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Madison County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 140,000 |
| McDowell County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 86,000 |
| Mitchell County North Carolina | 1 | $ 285,000 | $ 285,000 | $ 129,000 |
| Perquimans County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
| Rowan County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 29,000 |
| Wilson County North Carolina | 1 | $ 8,505,000 | $ 8,505,000 | $ 0 |
| Washington County Pennsylvania | 1 | $ 335,000 | $ 335,000 | $ 121,000 |
| Blount County Tennessee | 1 | $ 365,000 | $ 365,000 | $ 480,000 |
| Greene County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 31,000 |
| Roane County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 22,000 |
| Unicoi County Tennessee | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Albemarle County Virginia | 1 | $ 125,000 | $ 125,000 | $ 123,000 |
| Bath County Virginia | 1 | $ 495,000 | $ 495,000 | $ 202,000 |
| Danville County Virginia | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Emporia County Virginia | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Fairfax County Virginia | 1 | $ 1,085,000 | $ 1,085,000 | $ 202,000 |
| Fauquier County Virginia | 1 | $ 85,000 | $ 85,000 | $ 228,000 |
| Fluvanna County Virginia | 1 | $ 805,000 | $ 805,000 | $ 160,000 |
| Greensville County Virginia | 1 | $ 195,000 | $ 195,000 | $ 46,000 |
| Henry County Virginia | 1 | $ 55,000 | $ 55,000 | $ 45,000 |
| Hopewell County Virginia | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Isle of Wight County Virginia | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Lee County Virginia | 1 | $ 25,000 | $ 25,000 | $ 51,000 |
| Mathews County Virginia | 1 | $ 495,000 | $ 495,000 | $ 225,000 |
| Mecklenburg County Virginia | 1 | $ 225,000 | $ 225,000 | $ 136,000 |
| Middlesex County Virginia | 1 | $ 275,000 | $ 275,000 | $ 224,000 |
| Nelson County Virginia | 1 | $ 255,000 | $ 255,000 | $ 415,000 |
| Northumberland County Virginia | 1 | $ 825,000 | $ 825,000 | $ 437,000 |
| Pittsylvania County Virginia | 1 | $ 355,000 | $ 355,000 | $ 39,000 |
| Spotsylvania County Virginia | 1 | $ 235,000 | $ 235,000 | $ 109,000 |
| Boone County West Virginia | 1 | $ 105,000 | $ 105,000 | $ 125,000 |
| Cabell County West Virginia | 1 | $ 75,000 | $ 75,000 | $ 168,000 |
| Mingo County West Virginia | 1 | $ 65,000 | $ 65,000 | $ 34,000 |
| Pocahontas County West Virginia | 1 | $ 155,000 | $ 155,000 | $ 90,000 |
| Preston County West Virginia | 1 | $ 65,000 | $ 65,000 | $ 29,000 |
| Putnam County West Virginia | 1 | $ 495,000 | $ 495,000 | $ 481,000 |
| Ritchie County West Virginia | 1 | $ 75,000 | $ 75,000 | $ 95,000 |
Mortgage Loan Application Detail Totals for First Community Bank in 2020
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 | 867 | $156,595,000 | $180,000 | $5,105,000 | $93,000 | $1,998,000 |
| Cash-out Refinancing | 786 | $139,960,000 | $178,000 | $8,505,000 | $91,000 | $1,734,000 |
| Refinancing | 662 | $144,740,000 | $218,000 | $3,755,000 | $108,000 | $960,000 |
| Home Improvement | 65 | $5,565,000 | $85,000 | $605,000 | $67,000 | $628,000 |
| Other Purpose | 54 | $5,520,000 | $102,000 | $455,000 | $70,000 | $289,000 |
| 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 | 2,109 | $363,725,000 | $172,000 | $2,335,000 | $95,000 | $1,998,000 |
| Not applicable | 204 | $66,600,000 | $326,000 | $8,505,000 | $214,000 | $214,000 |
| Not Provided | 59 | $9,315,000 | $157,000 | $495,000 | $87,000 | $415,000 |
| Black or African American | 30 | $4,800,000 | $160,000 | $495,000 | $77,000 | $279,000 |
| Asian | 15 | $4,935,000 | $329,000 | $1,085,000 | $102,000 | $202,000 |
| Hispanic | 14 | $1,870,000 | $133,000 | $385,000 | $61,000 | $187,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 2,431 | $452,065,000 | $185,000 | $8,505,000 | $95,000 | $1,998,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $315,000 | $105,000 | $115,000 | $38,000 | $42,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 1,604 | $315,980,000 | $196,000 | $8,505,000 | $102,000 | $1,998,000 |
| Application Denied By Financial Institution | 413 | $62,525,000 | $151,000 | $1,085,000 | $66,000 | $500,000 |
| Application Withdrawn By Applicant | 228 | $38,370,000 | $168,000 | $1,005,000 | $97,000 | $1,680,000 |
| File Closed For Incompleteness | 151 | $28,545,000 | $189,000 | $1,445,000 | $100,000 | $420,000 |
| Application Approved But Not Accepted | 38 | $6,960,000 | $183,000 | $495,000 | $115,000 | $600,000 |
| 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 | 2,021 | $389,855,000 | $192,000 | $8,505,000 | $102,000 | $1,998,000 |
| Credit History | 186 | $22,470,000 | $120,000 | $915,000 | $64,000 | $500,000 |
| Debt-To-Income Ratio | 118 | $20,340,000 | $172,000 | $1,085,000 | $55,000 | $390,000 |
| Collateral | 45 | $8,995,000 | $199,000 | $655,000 | $103,000 | $425,000 |
| Employment History | 16 | $2,210,000 | $138,000 | $255,000 | $52,000 | $92,000 |
| Credit Application Incomplete | 14 | $2,140,000 | $152,000 | $405,000 | $69,000 | $163,000 |
| Other | 14 | $3,020,000 | $215,000 | $915,000 | $88,000 | $500,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $2,240,000 | $186,000 | $745,000 | $75,000 | $180,000 |
| Unverifiable Information | 8 | $1,110,000 | $138,000 | $425,000 | $43,000 | $80,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Community Bank's 2020 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.
For a list of all lenders in Virginia, download the full spreadsheet
with aggregated HMDA statistics today.