First Community Bank, N. A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
First Community Bank, N. A. 2003 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, N. A. P O Box 989 Bluefield, VA 24605 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,500 |
| Total Mortgage Loan Application Amount | $160,900,000 |
| Average Mortgage Loan Application Amount | $59,720 |
| Highest Mortgage Loan Application Amount | $1,204,000 |
| Average Applicant Income | $44,000 |
| Highest Applicant Income | $1,720,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with First Community Bank, N. A.. 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, N. A.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down First Community Bank, N. A.'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, N. A. serves its applicants.
Each category highlights the total number of mortgage applications processed by First Community Bank, N. A., 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, N. A.'s mortgage activity for 2003.
| 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 | 879 | $ 38,632,000 | $ 43,000 | $ 39,000 |
| Nicholas County West Virginia | 342 | $ 9,023,000 | $ 26,000 | $ 37,000 |
| Upshur County West Virginia | 318 | $ 14,534,000 | $ 45,000 | $ 33,000 |
| Tazewell County Virginia | 248 | $ 13,977,000 | $ 56,000 | $ 42,000 |
| Raleigh County West Virginia | 183 | $ 11,605,000 | $ 63,000 | $ 43,000 |
| Wyoming County West Virginia | 154 | $ 4,360,000 | $ 28,000 | $ 35,000 |
| Logan County West Virginia | 149 | $ 3,992,000 | $ 26,000 | $ 54,000 |
| Richmond City County Virginia | 106 | $ 13,917,000 | $ 131,000 | $ 69,000 |
| Taylor County West Virginia | 94 | $ 3,789,000 | $ 40,000 | $ 50,000 |
| Webster County West Virginia | 70 | $ 1,209,000 | $ 17,000 | $ 33,000 |
| Alleghany County North Carolina | 67 | $ 3,693,000 | $ 55,000 | $ 27,000 |
| Summers County West Virginia | 64 | $ 2,202,000 | $ 34,000 | $ 44,000 |
| Alexander County North Carolina | 57 | $ 2,171,000 | $ 38,000 | $ 45,000 |
| Henrico County Virginia | 55 | $ 5,235,000 | $ 95,000 | $ 82,000 |
| Monroe County West Virginia | 53 | $ 2,423,000 | $ 45,000 | $ 24,000 |
| Preston County West Virginia | 52 | $ 996,000 | $ 19,000 | $ 38,000 |
| Wythe County Virginia | 44 | $ 1,999,000 | $ 45,000 | $ 41,000 |
| McDowell County West Virginia | 42 | $ 749,000 | $ 17,000 | $ 31,000 |
| Mingo County West Virginia | 38 | $ 945,000 | $ 24,000 | $ 44,000 |
| Fayette County West Virginia | 30 | $ 1,618,000 | $ 53,000 | $ 56,000 |
| Wilkes County North Carolina | 29 | $ 814,000 | $ 28,000 | $ 29,000 |
| Chesterfield County Virginia | 23 | $ 1,837,000 | $ 79,000 | $ 67,000 |
| Dickenson County Virginia | 23 | $ 935,000 | $ 40,000 | $ 29,000 |
| Emporia County Virginia | 20 | $ 1,060,000 | $ 53,000 | $ 73,000 |
| Alleghany County Virginia | 18 | $ 651,000 | $ 36,000 | $ 29,000 |
| Barbour County West Virginia | 18 | $ 512,000 | $ 28,000 | $ 36,000 |
| Bland County Virginia | 17 | $ 839,000 | $ 49,000 | $ 49,000 |
| Greenbrier County West Virginia | 15 | $ 573,000 | $ 38,000 | $ 35,000 |
| Lewis County West Virginia | 15 | $ 651,000 | $ 43,000 | $ 49,000 |
| Greensville County Virginia | 13 | $ 387,000 | $ 29,000 | $ 25,000 |
| Rockingham County Virginia | 13 | $ 705,000 | $ 54,000 | $ 30,000 |
| Harrison County West Virginia | 13 | $ 944,000 | $ 72,000 | $ 27,000 |
| Surry County North Carolina | 12 | $ 522,000 | $ 43,000 | $ 39,000 |
| Randolph County West Virginia | 11 | $ 557,000 | $ 50,000 | $ 44,000 |
| Russell County Virginia | 10 | $ 568,000 | $ 56,000 | $ 64,000 |
| Wise County Virginia | 10 | $ 290,000 | $ 29,000 | $ 30,000 |
| Kanawha County West Virginia | 9 | $ 818,000 | $ 90,000 | $ 64,000 |
| Giles County Virginia | 8 | $ 182,000 | $ 22,000 | $ 34,000 |
| Monongalia County West Virginia | 8 | $ 286,000 | $ 35,000 | $ 44,000 |
| Hanover County Virginia | 7 | $ 604,000 | $ 86,000 | $ 66,000 |
| Montgomery County Virginia | 7 | $ 812,000 | $ 116,000 | $ 54,000 |
| Braxton County West Virginia | 7 | $ 466,000 | $ 66,000 | $ 24,000 |
| Forsyth County North Carolina | 6 | $ 347,000 | $ 57,000 | $ 39,000 |
| Botetourt County Virginia | 6 | $ 296,000 | $ 49,000 | $ 31,000 |
| Marion County West Virginia | 6 | $ 347,000 | $ 57,000 | $ 55,000 |
| Catawba County North Carolina | 5 | $ 273,000 | $ 54,000 | $ 27,000 |
| Charlotte County Virginia | 5 | $ 138,000 | $ 27,000 | $ 33,000 |
| Iredell County North Carolina | 4 | $ 258,000 | $ 64,000 | $ 38,000 |
| Brunswick County Virginia | 4 | $ 285,000 | $ 71,000 | $ 50,000 |
| Buchanan County Virginia | 4 | $ 33,000 | $ 8,000 | $ 45,000 |
| Pulaski County Virginia | 4 | $ 547,000 | $ 136,000 | $ 97,000 |
| Yadkin County North Carolina | 3 | $ 93,000 | $ 31,000 | $ 34,000 |
| Augusta County Virginia | 3 | $ 240,000 | $ 80,000 | $ 62,000 |
| Covington County Virginia | 3 | $ 93,000 | $ 31,000 | $ 43,000 |
| Radford County Virginia | 3 | $ 246,000 | $ 82,000 | $ 88,000 |
| Washington County Virginia | 3 | $ 301,000 | $ 100,000 | $ 62,000 |
| Fayette County Kentucky | 2 | $ 330,000 | $ 165,000 | $ 149,000 |
| Oakland County Michigan | 2 | $ 278,000 | $ 139,000 | $ 14,000 |
| Northampton County North Carolina | 2 | $ 29,000 | $ 14,000 | $ 65,000 |
| Sevier County Tennessee | 2 | $ 40,000 | $ 20,000 | $ 28,000 |
| Bath County Virginia | 2 | $ 111,000 | $ 55,000 | $ 47,000 |
| Carroll County Virginia | 2 | $ 67,000 | $ 33,000 | $ 21,000 |
| Harrisonburg County Virginia | 2 | $ 68,000 | $ 34,000 | $ 69,000 |
| New Kent County Virginia | 2 | $ 157,000 | $ 78,000 | $ 78,000 |
| Norton County Virginia | 2 | $ 60,000 | $ 30,000 | $ 47,000 |
| Roanoke City County Virginia | 2 | $ 177,000 | $ 88,000 | $ 98,000 |
| Southampton County Virginia | 2 | $ 113,000 | $ 56,000 | $ 43,000 |
| Suffolk County Virginia | 2 | $ 87,000 | $ 43,000 | $ 74,000 |
| Sussex County Virginia | 2 | $ 151,000 | $ 75,000 | $ 54,000 |
| Boone County West Virginia | 2 | $ 103,000 | $ 51,000 | $ 76,000 |
| Cabell County West Virginia | 2 | $ 132,000 | $ 66,000 | $ 46,000 |
| Doddridge County West Virginia | 2 | $ 77,000 | $ 38,000 | $ 33,000 |
| Hampshire County West Virginia | 2 | $ 122,000 | $ 61,000 | $ 54,000 |
| Lincoln County West Virginia | 2 | $ 3,000 | $ 1,000 | $ 41,000 |
| Pocahontas County West Virginia | 2 | $ 91,000 | $ 45,000 | $ 102,000 |
| Los Angeles County California | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Broward County Florida | 1 | $ 8,000 | $ 8,000 | $ 26,000 |
| Flagler County Florida | 1 | $ 19,000 | $ 19,000 | $ 46,000 |
| Lee County Florida | 1 | $ 85,000 | $ 85,000 | $ 66,000 |
| Marion County Florida | 1 | $ 5,000 | $ 5,000 | $ 24,000 |
| Pinellas County Florida | 1 | $ 4,000 | $ 4,000 | $ 53,000 |
| Letcher County Kentucky | 1 | $ 4,000 | $ 4,000 | $ 14,000 |
| Pike County Kentucky | 1 | $ 4,000 | $ 4,000 | $ 36,000 |
| Montgomery County Maryland | 1 | $ 51,000 | $ 51,000 | $ 77,000 |
| Avery County North Carolina | 1 | $ 72,000 | $ 72,000 | $ 54,000 |
| Davidson County North Carolina | 1 | $ 39,000 | $ 39,000 | $ 112,000 |
| Davie County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 103,000 |
| Gaston County North Carolina | 1 | $ 80,000 | $ 80,000 | $ 102,000 |
| Guilford County North Carolina | 1 | $ 59,000 | $ 59,000 | $ 24,000 |
| Stokes County North Carolina | 1 | $ 121,000 | $ 121,000 | $ 225,000 |
| Warren County North Carolina | 1 | $ 67,000 | $ 67,000 | $ 78,000 |
| Gallia County Ohio | 1 | $ 3,000 | $ 3,000 | $ 57,000 |
| Jefferson County Ohio | 1 | $ 34,000 | $ 34,000 | $ 21,000 |
| Horry County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Knox County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 171,000 |
| Amelia County Virginia | 1 | $ 110,000 | $ 110,000 | $ 408,000 |
| Bedford County Virginia | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Campbell County Virginia | 1 | $ 7,000 | $ 7,000 | $ 29,000 |
| Charlottesville County Virginia | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Danville County Virginia | 1 | $ 12,000 | $ 12,000 | $ 114,000 |
| Franklin County Virginia | 1 | $ 109,000 | $ 109,000 | $ 112,000 |
| Galax County Virginia | 1 | $ 7,000 | $ 7,000 | $ 16,000 |
| James City County Virginia | 1 | $ 200,000 | $ 200,000 | $ 720,000 |
| Norfolk County Virginia | 1 | $ 122,000 | $ 122,000 | $ 214,000 |
| Page County Virginia | 1 | $ 75,000 | $ 75,000 | $ 84,000 |
| Petersburg County Virginia | 1 | $ 20,000 | $ 20,000 | $ 72,000 |
| Portsmouth County Virginia | 1 | $ 68,000 | $ 68,000 | $ 82,000 |
| Powhatan County Virginia | 1 | $ 157,000 | $ 157,000 | $ 174,000 |
| Prince William County Virginia | 1 | $ 156,000 | $ 156,000 | $ 33,000 |
| Roanoke County Virginia | 1 | $ 145,000 | $ 145,000 | $ 73,000 |
| Virginia Beach County Virginia | 1 | $ 81,000 | $ 81,000 | $ 102,000 |
| Waynesboro County Virginia | 1 | $ 84,000 | $ 84,000 | $ 43,000 |
| Brooke County West Virginia | 1 | $ 63,000 | $ 63,000 | $ 36,000 |
| Clay County West Virginia | 1 | $ 2,000 | $ 2,000 | $ 12,000 |
| Grant County West Virginia | 1 | $ 25,000 | $ 25,000 | $ 39,000 |
| Jefferson County West Virginia | 1 | $ 12,000 | $ 12,000 | $ 51,000 |
| Putnam County West Virginia | 1 | $ 135,000 | $ 135,000 | $ 91,000 |
| Tucker County West Virginia | 1 | $ 3,000 | $ 3,000 | $ 20,000 |
| Wood County West Virginia | 1 | $ 13,000 | $ 13,000 | $ 37,000 |
Mortgage Loan Application Detail Totals for First Community Bank, N. A. in 2003
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 (home purchase or home improvement, one-to-four family) | 1,363 | $81,804,000 | $60,428 | $1,204,000 | $61,000 | $962,000 |
| Home Purchase (one-to-four family) | 1,230 | $67,232,000 | $64,555 | $558,000 | $52,222 | $820,000 |
| Home Improvement (one-to-four family) | 880 | $7,300,000 | $10,166 | $126,000 | $33,833 | $1,720,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 27 | $4,564,000 | $142,666 | $700,000 | $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 | 3,144 | $132,783,000 | $43,545 | $600,000 | $42,727 | $1,720,000 |
| Not applicable | 126 | $15,114,000 | $149,500 | $700,000 | $0 | $0 |
| Information not provided by applicant in mail or telephone application | 114 | $9,000,000 | $53,666 | $1,204,000 | $68,666 | $679,000 |
| Black | 75 | $2,240,000 | $30,666 | $141,000 | $42,333 | $140,000 |
| American Indian or Alaskan Native | 12 | $307,000 | $26,333 | $93,000 | $36,666 | $63,000 |
| Asian or Pacific Islander | 12 | $746,000 | $62,000 | $230,000 | $103,500 | $184,000 |
| Hispanic | 10 | $391,000 | $44,333 | $103,000 | $47,666 | $92,000 |
| Other | 7 | $319,000 | $57,000 | $102,000 | $94,333 | $350,000 |
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) | 3,500 | $160,900,000 | $56,363 | $1,204,000 | $43,636 | $1,720,000 |
| 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 | 2,820 | $137,883,000 | $61,500 | $1,204,000 | $41,900 | $1,720,000 |
| Application Denied By Financial Institution | 563 | $16,957,000 | $34,000 | $306,000 | $46,000 | $679,000 |
| Application Withdrawn By Applicant | 108 | $5,500,000 | $56,666 | $240,000 | $60,000 | $129,000 |
| Application Approved But Not Accepted | 9 | $560,000 | $67,500 | $300,000 | $34,500 | $82,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 432 | $12,168,000 | $30,200 | $230,000 | $44,400 | $180,000 |
| Debt-To-Income Ratio | 54 | $2,519,000 | $69,666 | $306,000 | $20,333 | $109,000 |
| Collateral | 38 | $992,000 | $36,333 | $280,000 | $50,000 | $679,000 |
| Other | 17 | $562,000 | $59,500 | $90,000 | $56,500 | $123,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $363,000 | $29,666 | $93,000 | $34,333 | $57,000 |
| Employment History | 5 | $179,000 | $23,500 | $86,000 | $28,000 | $53,000 |
| Unverifiable Information | 3 | $65,000 | $21,000 | $55,000 | $26,000 | $49,000 |
| Credit Application Incomplete | 1 | $109,000 | $109,000 | $109,000 | $103,000 | $103,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Community Bank, N. A.'s 2003 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, N. A.'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.