First Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
First Community Bank 2021 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 | 2,170 |
| Total Mortgage Loan Application Amount | $453,510,000 |
| Average Mortgage Loan Application Amount | $177,400 |
| Highest Mortgage Loan Application Amount | $16,255,000 |
| Average Applicant Income | $92,200 |
| Highest Applicant Income | $4,872,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 314 | $ 46,530,000 | $ 148,000 | $ 85,000 |
| Nicholas County West Virginia | 193 | $ 28,365,000 | $ 146,000 | $ 89,000 |
| Raleigh County West Virginia | 146 | $ 27,180,000 | $ 186,000 | $ 119,000 |
| Tazewell County Virginia | 124 | $ 19,180,000 | $ 154,000 | $ 100,000 |
| Upshur County West Virginia | 96 | $ 13,510,000 | $ 140,000 | $ 88,000 |
| Montgomery County Virginia | 84 | $ 51,400,000 | $ 611,000 | $ 130,000 |
| Washington County Virginia | 71 | $ 11,835,000 | $ 166,000 | $ 64,000 |
| Wythe County Virginia | 56 | $ 10,500,000 | $ 187,000 | $ 92,000 |
| Watauga County North Carolina | 49 | $ 10,855,000 | $ 221,000 | $ 118,000 |
| Alexander County North Carolina | 44 | $ 9,000,000 | $ 204,000 | $ 100,000 |
| Pulaski County Virginia | 44 | $ 8,430,000 | $ 191,000 | $ 85,000 |
| Surry County North Carolina | 42 | $ 5,940,000 | $ 141,000 | $ 73,000 |
| Richmond City County Virginia | 39 | $ 24,425,000 | $ 626,000 | $ 190,000 |
| Smyth County Virginia | 39 | $ 7,365,000 | $ 188,000 | $ 86,000 |
| Wilkes County North Carolina | 38 | $ 6,340,000 | $ 166,000 | $ 94,000 |
| Sullivan County Tennessee | 37 | $ 5,805,000 | $ 156,000 | $ 79,000 |
| Fayette County West Virginia | 36 | $ 5,950,000 | $ 165,000 | $ 102,000 |
| Alleghany County North Carolina | 32 | $ 4,470,000 | $ 139,000 | $ 73,000 |
| Wyoming County West Virginia | 32 | $ 3,640,000 | $ 113,000 | $ 82,000 |
| Washington County Tennessee | 30 | $ 12,760,000 | $ 425,000 | $ 138,000 |
| Carroll County Virginia | 30 | $ 3,600,000 | $ 120,000 | $ 58,000 |
| Monroe County West Virginia | 29 | $ 4,905,000 | $ 169,000 | $ 110,000 |
| Webster County West Virginia | 29 | $ 2,945,000 | $ 101,000 | $ 59,000 |
| Bristol County Virginia | 28 | $ 3,290,000 | $ 117,000 | $ 300,000 |
| Taylor County West Virginia | 26 | $ 3,700,000 | $ 142,000 | $ 64,000 |
| Summers County West Virginia | 23 | $ 3,545,000 | $ 154,000 | $ 100,000 |
| Harrison County West Virginia | 21 | $ 3,475,000 | $ 165,000 | $ 104,000 |
| Forsyth County North Carolina | 19 | $ 2,535,000 | $ 133,000 | $ 176,000 |
| Iredell County North Carolina | 19 | $ 4,415,000 | $ 232,000 | $ 97,000 |
| Henrico County Virginia | 19 | $ 4,575,000 | $ 240,000 | $ 140,000 |
| Catawba County North Carolina | 18 | $ 5,490,000 | $ 305,000 | $ 138,000 |
| Giles County Virginia | 18 | $ 2,730,000 | $ 151,000 | $ 69,000 |
| Chesterfield County Virginia | 13 | $ 3,135,000 | $ 241,000 | $ 112,000 |
| Russell County Virginia | 13 | $ 2,145,000 | $ 165,000 | $ 103,000 |
| Lewis County West Virginia | 13 | $ 1,925,000 | $ 148,000 | $ 81,000 |
| Yadkin County North Carolina | 12 | $ 1,240,000 | $ 103,000 | $ 93,000 |
| Roanoke County Virginia | 12 | $ 2,810,000 | $ 234,000 | $ 114,000 |
| Avery County North Carolina | 11 | $ 2,475,000 | $ 225,000 | $ 76,000 |
| Floyd County Virginia | 11 | $ 3,745,000 | $ 340,000 | $ 138,000 |
| Radford County Virginia | 11 | $ 3,405,000 | $ 309,000 | $ 74,000 |
| Barbour County West Virginia | 11 | $ 1,295,000 | $ 117,000 | $ 69,000 |
| Kanawha County West Virginia | 10 | $ 1,870,000 | $ 187,000 | $ 104,000 |
| Dickenson County Virginia | 9 | $ 865,000 | $ 96,000 | $ 61,000 |
| Galax County Virginia | 9 | $ 2,215,000 | $ 246,000 | $ 34,000 |
| Roanoke City County Virginia | 9 | $ 6,205,000 | $ 689,000 | $ 137,000 |
| Braxton County West Virginia | 8 | $ 1,560,000 | $ 195,000 | $ 86,000 |
| Logan County West Virginia | 8 | $ 780,000 | $ 97,000 | $ 38,000 |
| Ashe County North Carolina | 7 | $ 1,885,000 | $ 269,000 | $ 64,000 |
| Mecklenburg County North Carolina | 7 | $ 1,455,000 | $ 207,000 | $ 247,000 |
| Grayson County Virginia | 7 | $ 1,015,000 | $ 145,000 | $ 53,000 |
| Randolph County West Virginia | 7 | $ 1,125,000 | $ 160,000 | $ 74,000 |
| Stokes County North Carolina | 6 | $ 1,040,000 | $ 173,000 | $ 66,000 |
| Carter County Tennessee | 6 | $ 1,040,000 | $ 173,000 | $ 90,000 |
| Hanover County Virginia | 6 | $ 2,630,000 | $ 438,000 | $ 200,000 |
| Gilmer County West Virginia | 6 | $ 1,530,000 | $ 255,000 | $ 80,000 |
| Marion County West Virginia | 6 | $ 760,000 | $ 126,000 | $ 112,000 |
| Monongalia County West Virginia | 6 | $ 1,330,000 | $ 221,000 | $ 232,000 |
| Hawkins County Tennessee | 5 | $ 915,000 | $ 183,000 | $ 183,000 |
| Bland County Virginia | 5 | $ 915,000 | $ 183,000 | $ 74,000 |
| Buchanan County Virginia | 5 | $ 745,000 | $ 149,000 | $ 97,000 |
| Greenbrier County West Virginia | 5 | $ 1,235,000 | $ 247,000 | $ 198,000 |
| McDowell County West Virginia | 5 | $ 355,000 | $ 71,000 | $ 63,000 |
| Burke County North Carolina | 4 | $ 1,730,000 | $ 432,000 | $ 139,000 |
| Caldwell County North Carolina | 4 | $ 1,670,000 | $ 417,000 | $ 105,000 |
| Brunswick County North Carolina | 3 | $ 1,025,000 | $ 341,000 | $ 139,000 |
| Beaufort County South Carolina | 3 | $ 925,000 | $ 308,000 | $ 185,000 |
| Greene County Tennessee | 3 | $ 465,000 | $ 155,000 | $ 95,000 |
| Craig County Virginia | 3 | $ 825,000 | $ 275,000 | $ 152,000 |
| Cabell County West Virginia | 3 | $ 315,000 | $ 105,000 | $ 58,000 |
| Preston County West Virginia | 3 | $ 615,000 | $ 205,000 | $ 41,000 |
| Davie County North Carolina | 2 | $ 250,000 | $ 125,000 | $ 36,000 |
| Wake County North Carolina | 2 | $ 500,000 | $ 250,000 | $ 135,000 |
| Johnson County Tennessee | 2 | $ 490,000 | $ 245,000 | $ 80,000 |
| Sevier County Tennessee | 2 | $ 750,000 | $ 375,000 | $ 120,000 |
| Bedford County Virginia | 2 | $ 590,000 | $ 295,000 | $ 83,000 |
| Franklin County Virginia | 2 | $ 5,180,000 | $ 2,590,000 | $ 124,000 |
| Greensville County Virginia | 2 | $ 400,000 | $ 200,000 | $ 149,000 |
| Hopewell County Virginia | 2 | $ 190,000 | $ 95,000 | $ 0 |
| New Kent County Virginia | 2 | $ 310,000 | $ 155,000 | $ 136,000 |
| Clay County West Virginia | 2 | $ 350,000 | $ 175,000 | $ 86,000 |
| Pocahontas County West Virginia | 2 | $ 460,000 | $ 230,000 | $ 199,000 |
| Monroe County Florida | 1 | $ 1,005,000 | $ 1,005,000 | $ 631,000 |
| Orange County Florida | 1 | $ 295,000 | $ 295,000 | $ 108,000 |
| Osceola County Florida | 1 | $ 475,000 | $ 475,000 | $ 225,000 |
| Polk County Florida | 1 | $ 35,000 | $ 35,000 | $ 123,000 |
| Chatham County Georgia | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Spalding County Georgia | 1 | $ 465,000 | $ 465,000 | $ 113,000 |
| Walker County Georgia | 1 | $ 495,000 | $ 495,000 | $ 113,000 |
| Cabarrus County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| Dare County North Carolina | 1 | $ 785,000 | $ 785,000 | $ 231,000 |
| Guilford County North Carolina | 1 | $ 335,000 | $ 335,000 | $ 213,000 |
| Montgomery County North Carolina | 1 | $ 485,000 | $ 485,000 | $ 117,000 |
| Northampton County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 207,000 |
| Pender County North Carolina | 1 | $ 295,000 | $ 295,000 | $ 122,000 |
| Allegheny County Pennsylvania | 1 | $ 375,000 | $ 375,000 | $ 90,000 |
| Washington County Pennsylvania | 1 | $ 295,000 | $ 295,000 | $ 94,000 |
| Charleston County South Carolina | 1 | $ 285,000 | $ 285,000 | $ 424,000 |
| Florence County South Carolina | 1 | $ 95,000 | $ 95,000 | $ 86,000 |
| Horry County South Carolina | 1 | $ 605,000 | $ 605,000 | $ 791,000 |
| Blount County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 68,000 |
| Hamblen County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 293,000 |
| Jefferson County Tennessee | 1 | $ 455,000 | $ 455,000 | $ 179,000 |
| Unicoi County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 31,000 |
| Alleghany County Virginia | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Amelia County Virginia | 1 | $ 255,000 | $ 255,000 | $ 350,000 |
| Amherst County Virginia | 1 | $ 305,000 | $ 305,000 | $ 104,000 |
| Botetourt County Virginia | 1 | $ 225,000 | $ 225,000 | $ 118,000 |
| Brunswick County Virginia | 1 | $ 305,000 | $ 305,000 | $ 160,000 |
| Danville County Virginia | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Emporia County Virginia | 1 | $ 115,000 | $ 115,000 | $ 30,000 |
| Essex County Virginia | 1 | $ 145,000 | $ 145,000 | $ 77,000 |
| Fluvanna County Virginia | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Goochland County Virginia | 1 | $ 655,000 | $ 655,000 | $ 374,000 |
| Isle of Wight County Virginia | 1 | $ 445,000 | $ 445,000 | $ 390,000 |
| Mathews County Virginia | 1 | $ 445,000 | $ 445,000 | $ 361,000 |
| Mecklenburg County Virginia | 1 | $ 215,000 | $ 215,000 | $ 123,000 |
| Nelson County Virginia | 1 | $ 165,000 | $ 165,000 | $ 68,000 |
| Norfolk County Virginia | 1 | $ 2,905,000 | $ 2,905,000 | $ 0 |
| Patrick County Virginia | 1 | $ 495,000 | $ 495,000 | $ 153,000 |
| Petersburg County Virginia | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Scott County Virginia | 1 | $ 485,000 | $ 485,000 | $ 283,000 |
| Stafford County Virginia | 1 | $ 295,000 | $ 295,000 | $ 43,000 |
| Staunton County Virginia | 1 | $ 4,605,000 | $ 4,605,000 | $ 0 |
| Suffolk County Virginia | 1 | $ 2,085,000 | $ 2,085,000 | $ 0 |
| Virginia Beach County Virginia | 1 | $ 315,000 | $ 315,000 | $ 144,000 |
| Wise County Virginia | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Jackson County West Virginia | 1 | $ 235,000 | $ 235,000 | $ 116,000 |
| Putnam County West Virginia | 1 | $ 175,000 | $ 175,000 | $ 95,000 |
| Tucker County West Virginia | 1 | $ 215,000 | $ 215,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for First Community Bank in 2021
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 | 1,015 | $215,125,000 | $211,000 | $16,255,000 | $104,000 | $4,872,000 |
| Home Purchase | 927 | $201,125,000 | $216,000 | $7,775,000 | $96,000 | $3,246,000 |
| Cash-out Refinancing | 96 | $22,180,000 | $231,000 | $2,505,000 | $98,000 | $680,000 |
| Home Improvement | 77 | $8,525,000 | $110,000 | $495,000 | $90,000 | $1,274,000 |
| Other Purpose | 55 | $6,555,000 | $119,000 | $945,000 | $73,000 | $449,000 |
| 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 | 1,800 | $332,640,000 | $184,000 | $16,255,000 | $99,000 | $4,872,000 |
| Not applicable | 277 | $101,745,000 | $367,000 | $7,775,000 | $0 | $0 |
| Not Provided | 40 | $8,180,000 | $204,000 | $725,000 | $106,000 | $425,000 |
| Black or African American | 22 | $3,250,000 | $147,000 | $465,000 | $72,000 | $159,000 |
| Hispanic | 13 | $1,915,000 | $147,000 | $325,000 | $103,000 | $174,000 |
| Asian | 11 | $4,615,000 | $419,000 | $745,000 | $150,000 | $440,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $200,000 | $100,000 | $125,000 | $98,000 | $100,000 |
| American Indian or Alaskan Native | 1 | $185,000 | $185,000 | $185,000 | $66,000 | $66,000 |
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) | 2,168 | $453,150,000 | $209,000 | $16,255,000 | $99,000 | $4,872,000 |
| VA-guaranteed (Veterans Administration) | 2 | $360,000 | $180,000 | $225,000 | $31,000 | $62,000 |
| 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 |
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 | 1,547 | $352,925,000 | $228,000 | $16,255,000 | $110,000 | $4,872,000 |
| Application Denied By Financial Institution | 335 | $50,565,000 | $150,000 | $825,000 | $62,000 | $401,000 |
| Application Withdrawn By Applicant | 167 | $29,765,000 | $178,000 | $685,000 | $92,000 | $394,000 |
| File Closed For Incompleteness | 77 | $12,225,000 | $158,000 | $495,000 | $91,000 | $540,000 |
| Application Approved But Not Accepted | 44 | $8,030,000 | $182,000 | $825,000 | $91,000 | $640,000 |
| 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 | 1,835 | $402,945,000 | $219,000 | $16,255,000 | $107,000 | $4,872,000 |
| Credit History | 142 | $15,300,000 | $107,000 | $555,000 | $58,000 | $155,000 |
| Debt-To-Income Ratio | 115 | $22,865,000 | $198,000 | $825,000 | $60,000 | $231,000 |
| Collateral | 37 | $6,545,000 | $176,000 | $505,000 | $86,000 | $401,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $3,015,000 | $177,000 | $725,000 | $63,000 | $128,000 |
| Employment History | 9 | $1,155,000 | $128,000 | $205,000 | $54,000 | $85,000 |
| Credit Application Incomplete | 6 | $590,000 | $98,000 | $205,000 | $78,000 | $168,000 |
| Other | 6 | $780,000 | $130,000 | $305,000 | $86,000 | $148,000 |
| Unverifiable Information | 3 | $315,000 | $105,000 | $105,000 | $27,000 | $30,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Community Bank's 2021 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.