First Community Bank, N. A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
First Community Bank, N. A. 2004 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 | 3,070 |
| Total Mortgage Loan Application Amount | $161,761,000 |
| Average Mortgage Loan Application Amount | $91,526 |
| Highest Mortgage Loan Application Amount | $1,375,000 |
| Average Applicant Income | $72,473 |
| Highest Applicant Income | $1,680,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 736 | $ 32,041,000 | $ 43,000 | $ 46,000 |
| Upshur County West Virginia | 338 | $ 16,526,000 | $ 48,000 | $ 37,000 |
| Nicholas County West Virginia | 256 | $ 5,999,000 | $ 23,000 | $ 34,000 |
| Tazewell County Virginia | 173 | $ 10,236,000 | $ 59,000 | $ 89,000 |
| Logan County West Virginia | 133 | $ 4,310,000 | $ 32,000 | $ 35,000 |
| Raleigh County West Virginia | 130 | $ 9,697,000 | $ 74,000 | $ 55,000 |
| Taylor County West Virginia | 105 | $ 4,339,000 | $ 41,000 | $ 35,000 |
| Wyoming County West Virginia | 104 | $ 2,798,000 | $ 26,000 | $ 45,000 |
| Alexander County North Carolina | 93 | $ 6,081,000 | $ 65,000 | $ 36,000 |
| Webster County West Virginia | 70 | $ 1,864,000 | $ 26,000 | $ 29,000 |
| Alleghany County North Carolina | 58 | $ 3,564,000 | $ 61,000 | $ 36,000 |
| Summers County West Virginia | 51 | $ 2,923,000 | $ 57,000 | $ 47,000 |
| Mingo County West Virginia | 44 | $ 1,021,000 | $ 23,000 | $ 39,000 |
| Richmond City County Virginia | 41 | $ 7,034,000 | $ 171,000 | $ 81,000 |
| Lewis County West Virginia | 39 | $ 1,786,000 | $ 45,000 | $ 46,000 |
| Wythe County Virginia | 37 | $ 1,193,000 | $ 32,000 | $ 46,000 |
| Monroe County West Virginia | 37 | $ 2,267,000 | $ 61,000 | $ 38,000 |
| Preston County West Virginia | 35 | $ 952,000 | $ 27,000 | $ 31,000 |
| Alleghany County Virginia | 34 | $ 1,521,000 | $ 44,000 | $ 43,000 |
| Henrico County Virginia | 33 | $ 3,322,000 | $ 100,000 | $ 118,000 |
| McDowell County West Virginia | 33 | $ 573,000 | $ 17,000 | $ 51,000 |
| Forsyth County North Carolina | 32 | $ 2,798,000 | $ 87,000 | $ 75,000 |
| Wilkes County North Carolina | 31 | $ 1,658,000 | $ 53,000 | $ 44,000 |
| Greensville County Virginia | 29 | $ 843,000 | $ 29,000 | $ 38,000 |
| Surry County North Carolina | 27 | $ 1,869,000 | $ 69,000 | $ 29,000 |
| Harrison County West Virginia | 26 | $ 1,046,000 | $ 40,000 | $ 34,000 |
| Fayette County West Virginia | 23 | $ 1,366,000 | $ 59,000 | $ 43,000 |
| Iredell County North Carolina | 16 | $ 1,466,000 | $ 91,000 | $ 24,000 |
| Bland County Virginia | 16 | $ 849,000 | $ 53,000 | $ 44,000 |
| Yadkin County North Carolina | 12 | $ 765,000 | $ 63,000 | $ 36,000 |
| Emporia County Virginia | 12 | $ 533,000 | $ 44,000 | $ 59,000 |
| Barbour County West Virginia | 12 | $ 656,000 | $ 54,000 | $ 35,000 |
| Stokes County North Carolina | 11 | $ 816,000 | $ 74,000 | $ 42,000 |
| Dickenson County Virginia | 11 | $ 460,000 | $ 41,000 | $ 32,000 |
| Greenbrier County West Virginia | 11 | $ 507,000 | $ 46,000 | $ 36,000 |
| Chesterfield County Virginia | 10 | $ 1,042,000 | $ 104,000 | $ 80,000 |
| Rockingham County Virginia | 10 | $ 648,000 | $ 64,000 | $ 77,000 |
| Monongalia County West Virginia | 10 | $ 438,000 | $ 43,000 | $ 145,000 |
| Pulaski County Virginia | 8 | $ 846,000 | $ 105,000 | $ 76,000 |
| Buchanan County Virginia | 7 | $ 349,000 | $ 49,000 | $ 56,000 |
| Davidson County North Carolina | 6 | $ 1,673,000 | $ 278,000 | $ 33,000 |
| Carroll County Virginia | 6 | $ 740,000 | $ 123,000 | $ 68,000 |
| Doddridge County West Virginia | 6 | $ 321,000 | $ 53,000 | $ 37,000 |
| Marion County West Virginia | 6 | $ 416,000 | $ 69,000 | $ 66,000 |
| Catawba County North Carolina | 5 | $ 538,000 | $ 107,000 | $ 93,000 |
| Horry County South Carolina | 5 | $ 490,000 | $ 98,000 | $ 100,000 |
| Giles County Virginia | 5 | $ 481,000 | $ 96,000 | $ 77,000 |
| Montgomery County Virginia | 5 | $ 861,000 | $ 172,000 | $ 98,000 |
| Russell County Virginia | 5 | $ 210,000 | $ 42,000 | $ 78,000 |
| Braxton County West Virginia | 5 | $ 115,000 | $ 23,000 | $ 39,000 |
| Kanawha County West Virginia | 5 | $ 733,000 | $ 146,000 | $ 83,000 |
| Washington County Virginia | 4 | $ 219,000 | $ 54,000 | $ 60,000 |
| Wise County Virginia | 4 | $ 140,000 | $ 35,000 | $ 43,000 |
| Randolph County West Virginia | 4 | $ 373,000 | $ 93,000 | $ 25,000 |
| Brunswick County North Carolina | 3 | $ 213,000 | $ 71,000 | $ 149,000 |
| Cabarrus County North Carolina | 3 | $ 1,415,000 | $ 471,000 | $ 87,000 |
| Caldwell County North Carolina | 3 | $ 190,000 | $ 63,000 | $ 35,000 |
| Davie County North Carolina | 3 | $ 321,000 | $ 107,000 | $ 25,000 |
| Guilford County North Carolina | 3 | $ 1,495,000 | $ 498,000 | $ 614,000 |
| Rowan County North Carolina | 3 | $ 461,000 | $ 153,000 | $ 32,000 |
| Knox County Tennessee | 3 | $ 300,000 | $ 100,000 | $ 84,000 |
| Bath County Virginia | 3 | $ 261,000 | $ 87,000 | $ 52,000 |
| Brunswick County Virginia | 3 | $ 89,000 | $ 29,000 | $ 58,000 |
| Patrick County Virginia | 3 | $ 529,000 | $ 176,000 | $ 218,000 |
| Roanoke County Virginia | 3 | $ 506,000 | $ 168,000 | $ 112,000 |
| Putnam County West Virginia | 3 | $ 177,000 | $ 59,000 | $ 135,000 |
| Burke County North Carolina | 2 | $ 345,000 | $ 172,000 | $ 28,000 |
| Washington County Tennessee | 2 | $ 252,000 | $ 126,000 | $ 128,000 |
| Augusta County Virginia | 2 | $ 116,000 | $ 58,000 | $ 84,000 |
| Bedford County Virginia | 2 | $ 273,000 | $ 136,000 | $ 68,000 |
| Botetourt County Virginia | 2 | $ 38,000 | $ 19,000 | $ 45,000 |
| Covington County Virginia | 2 | $ 87,000 | $ 43,000 | $ 27,000 |
| Hanover County Virginia | 2 | $ 253,000 | $ 126,000 | $ 0 |
| Norton County Virginia | 2 | $ 91,000 | $ 45,000 | $ 40,000 |
| Pittsylvania County Virginia | 2 | $ 766,000 | $ 383,000 | $ 32,000 |
| Radford County Virginia | 2 | $ 190,000 | $ 95,000 | $ 116,000 |
| Roanoke City County Virginia | 2 | $ 96,000 | $ 48,000 | $ 26,000 |
| Southampton County Virginia | 2 | $ 95,000 | $ 47,000 | $ 65,000 |
| Boone County West Virginia | 2 | $ 180,000 | $ 90,000 | $ 43,000 |
| Lincoln County West Virginia | 2 | $ 6,000 | $ 3,000 | $ 44,000 |
| Mineral County West Virginia | 2 | $ 252,000 | $ 126,000 | $ 321,000 |
| Pocahontas County West Virginia | 2 | $ 520,000 | $ 260,000 | $ 54,000 |
| Alachua County Florida | 1 | $ 52,000 | $ 52,000 | $ 28,000 |
| Levy County Florida | 1 | $ 5,000 | $ 5,000 | $ 59,000 |
| Okaloosa County Florida | 1 | $ 59,000 | $ 59,000 | $ 22,000 |
| St. Johns County Florida | 1 | $ 700,000 | $ 700,000 | $ 130,000 |
| Cook County Illinois | 1 | $ 393,000 | $ 393,000 | $ 90,000 |
| Alamance County North Carolina | 1 | $ 78,000 | $ 78,000 | $ 186,000 |
| Ashe County North Carolina | 1 | $ 8,000 | $ 8,000 | $ 29,000 |
| Carteret County North Carolina | 1 | $ 1,375,000 | $ 1,375,000 | $ 167,000 |
| Edgecombe County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 31,000 |
| Hoke County North Carolina | 1 | $ 98,000 | $ 98,000 | $ 72,000 |
| Johnston County North Carolina | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Mecklenburg County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 310,000 |
| Northampton County North Carolina | 1 | $ 40,000 | $ 40,000 | $ 26,000 |
| Randolph County North Carolina | 1 | $ 228,000 | $ 228,000 | $ 47,000 |
| Rockingham County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Union County North Carolina | 1 | $ 173,000 | $ 173,000 | $ 151,000 |
| Watauga County North Carolina | 1 | $ 162,000 | $ 162,000 | $ 80,000 |
| Allegheny County Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 120,000 |
| Greene County Pennsylvania | 1 | $ 127,000 | $ 127,000 | $ 82,000 |
| Beaufort County South Carolina | 1 | $ 680,000 | $ 680,000 | $ 480,000 |
| Clarendon County South Carolina | 1 | $ 43,000 | $ 43,000 | $ 72,000 |
| Jefferson County Tennessee | 1 | $ 92,000 | $ 92,000 | $ 48,000 |
| Rutherford County Tennessee | 1 | $ 13,000 | $ 13,000 | $ 60,000 |
| Sullivan County Tennessee | 1 | $ 68,000 | $ 68,000 | $ 39,000 |
| Charlotte County Virginia | 1 | $ 1,000 | $ 1,000 | $ 17,000 |
| Goochland County Virginia | 1 | $ 128,000 | $ 128,000 | $ 161,000 |
| Grayson County Virginia | 1 | $ 15,000 | $ 15,000 | $ 61,000 |
| Harrisonburg County Virginia | 1 | $ 98,000 | $ 98,000 | $ 118,000 |
| Hopewell County Virginia | 1 | $ 51,000 | $ 51,000 | $ 0 |
| James City County Virginia | 1 | $ 166,000 | $ 166,000 | $ 49,000 |
| King William County Virginia | 1 | $ 140,000 | $ 140,000 | $ 90,000 |
| Louisa County Virginia | 1 | $ 104,000 | $ 104,000 | $ 113,000 |
| Newport News County Virginia | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Page County Virginia | 1 | $ 97,000 | $ 97,000 | $ 46,000 |
| Smyth County Virginia | 1 | $ 92,000 | $ 92,000 | $ 74,000 |
| Sussex County Virginia | 1 | $ 81,000 | $ 81,000 | $ 87,000 |
| Gilmer County West Virginia | 1 | $ 38,000 | $ 38,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for First Community Bank, N. A. in 2004
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 | 1,217 | $77,430,000 | $166,000 | $1,375,000 | $85,875 | $1,680,000 |
| Refinancing | 1,039 | $73,222,000 | $65,750 | $1,024,000 | $69,500 | $1,449,000 |
| Home Improvement | 814 | $11,109,000 | $21,142 | $840,000 | $58,857 | $812,000 |
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 | 2,812 | $136,986,000 | $143,125 | $1,375,000 | $85,625 | $1,680,000 |
| Not applicable | 132 | $18,697,000 | $153,333 | $972,000 | $10,333 | $206,000 |
| Black or African American | 70 | $2,375,000 | $33,333 | $230,000 | $51,333 | $217,000 |
| Hispanic | 25 | $697,000 | $109,500 | $199,000 | $128,000 | $226,000 |
| Not Provided | 19 | $1,123,000 | $61,666 | $175,000 | $79,666 | $399,000 |
| Asian | 9 | $1,519,000 | $239,500 | $415,000 | $241,500 | $671,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $173,000 | $86,500 | $140,000 | $52,000 | $72,000 |
| American Indian or Alaskan Native | 1 | $191,000 | $191,000 | $191,000 | $60,000 | $60,000 |
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) | 3,070 | $161,761,000 | $144,250 | $1,375,000 | $82,750 | $1,680,000 |
| 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 | 2,479 | $142,426,000 | $150,250 | $1,375,000 | $84,000 | $1,680,000 |
| Application Denied By Financial Institution | 458 | $12,078,000 | $39,500 | $200,000 | $60,250 | $246,000 |
| Application Withdrawn By Applicant | 127 | $6,884,000 | $135,333 | $840,000 | $43,666 | $360,000 |
| Application Approved But Not Accepted | 5 | $313,000 | $71,666 | $128,000 | $80,333 | $161,000 |
| File Closed For Incompleteness | 1 | $60,000 | $60,000 | $60,000 | $17,000 | $17,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 358 | $8,828,000 | $37,250 | $200,000 | $58,500 | $146,000 |
| Debt-To-Income Ratio | 62 | $1,978,000 | $64,333 | $193,000 | $45,000 | $246,000 |
| Collateral | 20 | $761,000 | $38,000 | $75,000 | $39,500 | $73,000 |
| Employment History | 9 | $194,000 | $26,500 | $66,000 | $19,500 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $263,000 | $43,000 | $100,000 | $21,000 | $51,000 |
| Other | 3 | $54,000 | $18,000 | $29,000 | $36,000 | $44,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Community Bank, N. A.'s 2004 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.