First Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
First Community Bank 2023 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 | 680 |
| Total Mortgage Loan Application Amount | $104,960,000 |
| Average Mortgage Loan Application Amount | $115,000 |
| Highest Mortgage Loan Application Amount | $2,285,000 |
| Average Applicant Income | $74,500 |
| Highest Applicant Income | $2,151,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 98 | $ 16,290,000 | $ 166,000 | $ 108,000 |
| Nicholas County West Virginia | 86 | $ 9,940,000 | $ 115,000 | $ 85,000 |
| Raleigh County West Virginia | 43 | $ 6,015,000 | $ 139,000 | $ 121,000 |
| Wythe County Virginia | 35 | $ 7,045,000 | $ 201,000 | $ 100,000 |
| Upshur County West Virginia | 35 | $ 3,065,000 | $ 87,000 | $ 60,000 |
| Tazewell County Virginia | 34 | $ 4,000,000 | $ 117,000 | $ 73,000 |
| Surry County North Carolina | 23 | $ 2,855,000 | $ 124,000 | $ 82,000 |
| Fayette County West Virginia | 18 | $ 2,730,000 | $ 151,000 | $ 68,000 |
| Montgomery County Virginia | 17 | $ 3,675,000 | $ 216,000 | $ 100,000 |
| Webster County West Virginia | 17 | $ 1,475,000 | $ 86,000 | $ 66,000 |
| Wyoming County West Virginia | 16 | $ 1,280,000 | $ 80,000 | $ 64,000 |
| Alexander County North Carolina | 13 | $ 1,985,000 | $ 152,000 | $ 82,000 |
| Wilkes County North Carolina | 12 | $ 1,250,000 | $ 104,000 | $ 66,000 |
| Washington County Tennessee | 12 | $ 2,590,000 | $ 215,000 | $ 128,000 |
| Pulaski County Virginia | 12 | $ 2,630,000 | $ 219,000 | $ 130,000 |
| Washington County Virginia | 12 | $ 2,740,000 | $ 228,000 | $ 83,000 |
| Yadkin County North Carolina | 10 | $ 960,000 | $ 96,000 | $ 50,000 |
| Sullivan County Tennessee | 10 | $ 1,920,000 | $ 192,000 | $ 81,000 |
| Monroe County West Virginia | 10 | $ 1,450,000 | $ 145,000 | $ 85,000 |
| Taylor County West Virginia | 9 | $ 795,000 | $ 88,000 | $ 76,000 |
| Carroll County Virginia | 8 | $ 1,940,000 | $ 242,000 | $ 73,000 |
| Smyth County Virginia | 7 | $ 965,000 | $ 137,000 | $ 50,000 |
| Harrison County West Virginia | 7 | $ 745,000 | $ 106,000 | $ 101,000 |
| Summers County West Virginia | 7 | $ 535,000 | $ 76,000 | $ 81,000 |
| Floyd County Virginia | 6 | $ 930,000 | $ 155,000 | $ 92,000 |
| Logan County West Virginia | 6 | $ 480,000 | $ 80,000 | $ 60,000 |
| Braxton County West Virginia | 5 | $ 585,000 | $ 117,000 | $ 116,000 |
| Marion County West Virginia | 5 | $ 755,000 | $ 151,000 | $ 65,000 |
| Monongalia County West Virginia | 5 | $ 625,000 | $ 125,000 | $ 0 |
| Avery County North Carolina | 4 | $ 840,000 | $ 210,000 | $ 150,000 |
| Catawba County North Carolina | 4 | $ 610,000 | $ 152,000 | $ 85,000 |
| Bland County Virginia | 4 | $ 380,000 | $ 95,000 | $ 58,000 |
| Chesterfield County Virginia | 4 | $ 960,000 | $ 240,000 | $ 99,000 |
| Dickenson County Virginia | 4 | $ 210,000 | $ 52,000 | $ 38,000 |
| Henrico County Virginia | 4 | $ 1,430,000 | $ 357,000 | $ 129,000 |
| Patrick County Virginia | 4 | $ 560,000 | $ 140,000 | $ 129,000 |
| Petersburg County Virginia | 4 | $ 890,000 | $ 222,000 | $ 0 |
| Russell County Virginia | 4 | $ 840,000 | $ 210,000 | $ 106,000 |
| Randolph County West Virginia | 4 | $ 630,000 | $ 157,000 | $ 75,000 |
| Watauga County North Carolina | 3 | $ 1,045,000 | $ 348,000 | $ 100,000 |
| Hawkins County Tennessee | 3 | $ 345,000 | $ 115,000 | $ 29,000 |
| Bristol County Virginia | 3 | $ 305,000 | $ 101,000 | $ 47,000 |
| Buchanan County Virginia | 3 | $ 135,000 | $ 45,000 | $ 36,000 |
| Barbour County West Virginia | 3 | $ 575,000 | $ 191,000 | $ 112,000 |
| Lewis County West Virginia | 3 | $ 675,000 | $ 225,000 | $ 142,000 |
| McDowell County West Virginia | 3 | $ 255,000 | $ 85,000 | $ 58,000 |
| Alleghany County North Carolina | 2 | $ 160,000 | $ 80,000 | $ 83,000 |
| Ashe County North Carolina | 2 | $ 310,000 | $ 155,000 | $ 50,000 |
| Davidson County North Carolina | 2 | $ 400,000 | $ 200,000 | $ 80,000 |
| Iredell County North Carolina | 2 | $ 200,000 | $ 100,000 | $ 104,000 |
| Stokes County North Carolina | 2 | $ 670,000 | $ 335,000 | $ 153,000 |
| Giles County Virginia | 2 | $ 350,000 | $ 175,000 | $ 73,000 |
| Henry County Virginia | 2 | $ 890,000 | $ 445,000 | $ 0 |
| Richmond City County Virginia | 2 | $ 2,920,000 | $ 1,460,000 | $ 0 |
| Roanoke City County Virginia | 2 | $ 520,000 | $ 260,000 | $ 99,000 |
| Burke County North Carolina | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Forsyth County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 64,000 |
| Guilford County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Mecklenburg County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Mitchell County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Carter County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 63,000 |
| Johnson County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 36,000 |
| Knox County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 30,000 |
| Sevier County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 52,000 |
| Unicoi County Tennessee | 1 | $ 15,000 | $ 15,000 | $ 38,000 |
| Bedford County Virginia | 1 | $ 85,000 | $ 85,000 | $ 110,000 |
| Essex County Virginia | 1 | $ 105,000 | $ 105,000 | $ 271,000 |
| Franklin County Virginia | 1 | $ 2,005,000 | $ 2,005,000 | $ 0 |
| Grayson County Virginia | 1 | $ 275,000 | $ 275,000 | $ 359,000 |
| Hopewell County Virginia | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Radford County Virginia | 1 | $ 395,000 | $ 395,000 | $ 86,000 |
| Roanoke County Virginia | 1 | $ 105,000 | $ 105,000 | $ 66,000 |
| Wise County Virginia | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
| Greenbrier County West Virginia | 1 | $ 165,000 | $ 165,000 | $ 86,000 |
| Kanawha County West Virginia | 1 | $ 215,000 | $ 215,000 | $ 39,000 |
| Mingo County West Virginia | 1 | $ 125,000 | $ 125,000 | $ 117,000 |
| Pocahontas County West Virginia | 1 | $ 55,000 | $ 55,000 | $ 51,000 |
| Wood County West Virginia | 1 | $ 205,000 | $ 205,000 | $ 69,000 |
Mortgage Loan Application Detail Totals for First Community Bank in 2023
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 | 395 | $71,825,000 | $181,000 | $2,285,000 | $95,000 | $873,000 |
| Refinancing | 186 | $25,930,000 | $139,000 | $855,000 | $92,000 | $2,151,000 |
| Home Improvement | 72 | $5,430,000 | $75,000 | $485,000 | $61,000 | $245,000 |
| Other Purpose | 27 | $1,775,000 | $65,000 | $175,000 | $50,000 | $106,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 537 | $73,425,000 | $136,000 | $855,000 | $88,000 | $2,151,000 |
| Not applicable | 102 | $24,720,000 | $242,000 | $2,285,000 | $0 | $0 |
| Not Provided | 18 | $2,880,000 | $160,000 | $495,000 | $103,000 | $236,000 |
| Black or African American | 8 | $1,190,000 | $148,000 | $325,000 | $107,000 | $359,000 |
| Hispanic | 8 | $1,980,000 | $247,000 | $495,000 | $131,000 | $402,000 |
| Asian | 4 | $550,000 | $137,000 | $235,000 | $49,000 | $71,000 |
| American Indian or Alaskan Native | 1 | $75,000 | $75,000 | $75,000 | $50,000 | $50,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $65,000 | $65,000 | $65,000 | $62,000 | $62,000 |
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) | 680 | $104,960,000 | $154,000 | $2,285,000 | $89,000 | $2,151,000 |
| 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 | 371 | $62,345,000 | $168,000 | $2,285,000 | $90,000 | $480,000 |
| Application Denied By Financial Institution | 176 | $23,880,000 | $135,000 | $855,000 | $79,000 | $2,151,000 |
| Application Withdrawn By Applicant | 89 | $12,385,000 | $139,000 | $495,000 | $108,000 | $873,000 |
| File Closed For Incompleteness | 35 | $4,935,000 | $141,000 | $495,000 | $79,000 | $236,000 |
| Application Approved But Not Accepted | 9 | $1,415,000 | $157,000 | $325,000 | $82,000 | $171,000 |
| 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 | 504 | $81,080,000 | $160,000 | $2,285,000 | $92,000 | $873,000 |
| Credit History | 104 | $11,350,000 | $109,000 | $855,000 | $85,000 | $2,151,000 |
| Debt-To-Income Ratio | 36 | $5,420,000 | $150,000 | $495,000 | $69,000 | $173,000 |
| Collateral | 17 | $2,965,000 | $174,000 | $425,000 | $83,000 | $182,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $2,345,000 | $260,000 | $565,000 | $67,000 | $206,000 |
| Other | 4 | $1,090,000 | $272,000 | $505,000 | $47,000 | $56,000 |
| Unverifiable Information | 3 | $245,000 | $81,000 | $105,000 | $64,000 | $87,000 |
| Employment History | 2 | $140,000 | $70,000 | $95,000 | $53,000 | $76,000 |
| Credit Application Incomplete | 1 | $325,000 | $325,000 | $325,000 | $92,000 | $92,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Community Bank's 2023 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.