First Community Bank, N. A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
First Community Bank, N. A. 2006 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 | 2,632 |
| Total Mortgage Loan Application Amount | $190,136,000 |
| Average Mortgage Loan Application Amount | $63,666 |
| Highest Mortgage Loan Application Amount | $3,400,000 |
| Average Applicant Income | $60,666 |
| Highest Applicant Income | $1,147,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 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 2006 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 2006.
| 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 | 579 | $ 26,806,000 | $ 46,000 | $ 51,000 |
| Upshur County West Virginia | 268 | $ 15,459,000 | $ 57,000 | $ 56,000 |
| Tazewell County Virginia | 182 | $ 12,475,000 | $ 68,000 | $ 66,000 |
| Nicholas County West Virginia | 141 | $ 5,036,000 | $ 35,000 | $ 49,000 |
| Washington County Tennessee | 122 | $ 15,374,000 | $ 126,000 | $ 78,000 |
| Wyoming County West Virginia | 118 | $ 3,877,000 | $ 32,000 | $ 48,000 |
| Raleigh County West Virginia | 116 | $ 10,325,000 | $ 89,000 | $ 83,000 |
| Logan County West Virginia | 108 | $ 3,720,000 | $ 34,000 | $ 53,000 |
| Taylor County West Virginia | 74 | $ 3,180,000 | $ 42,000 | $ 43,000 |
| Webster County West Virginia | 59 | $ 1,045,000 | $ 17,000 | $ 41,000 |
| Summers County West Virginia | 45 | $ 2,885,000 | $ 64,000 | $ 66,000 |
| Forsyth County North Carolina | 39 | $ 4,453,000 | $ 114,000 | $ 70,000 |
| Alexander County North Carolina | 36 | $ 3,126,000 | $ 86,000 | $ 93,000 |
| Greensville County Virginia | 35 | $ 2,214,000 | $ 63,000 | $ 58,000 |
| Monroe County West Virginia | 33 | $ 1,851,000 | $ 56,000 | $ 58,000 |
| Wythe County Virginia | 32 | $ 2,093,000 | $ 65,000 | $ 63,000 |
| Sullivan County Tennessee | 31 | $ 4,680,000 | $ 150,000 | $ 96,000 |
| Alleghany County North Carolina | 30 | $ 2,710,000 | $ 90,000 | $ 44,000 |
| McDowell County West Virginia | 28 | $ 547,000 | $ 19,000 | $ 45,000 |
| Richmond City County Virginia | 27 | $ 4,791,000 | $ 177,000 | $ 82,000 |
| Carter County Tennessee | 26 | $ 2,660,000 | $ 102,000 | $ 57,000 |
| Lewis County West Virginia | 26 | $ 2,182,000 | $ 83,000 | $ 70,000 |
| Preston County West Virginia | 22 | $ 514,000 | $ 23,000 | $ 33,000 |
| Caroline County Virginia | 19 | $ 2,554,000 | $ 134,000 | $ 102,000 |
| Henrico County Virginia | 19 | $ 5,315,000 | $ 279,000 | $ 92,000 |
| Barbour County West Virginia | 19 | $ 1,300,000 | $ 68,000 | $ 55,000 |
| Mingo County West Virginia | 17 | $ 731,000 | $ 43,000 | $ 60,000 |
| Surry County North Carolina | 16 | $ 1,750,000 | $ 109,000 | $ 102,000 |
| Bland County Virginia | 16 | $ 861,000 | $ 53,000 | $ 56,000 |
| Emporia County Virginia | 16 | $ 771,000 | $ 48,000 | $ 54,000 |
| Harrison County West Virginia | 16 | $ 2,159,000 | $ 134,000 | $ 110,000 |
| Wilkes County North Carolina | 15 | $ 989,000 | $ 65,000 | $ 43,000 |
| Russell County Virginia | 14 | $ 979,000 | $ 69,000 | $ 61,000 |
| Chesterfield County Virginia | 13 | $ 1,591,000 | $ 122,000 | $ 37,000 |
| Dickenson County Virginia | 13 | $ 569,000 | $ 43,000 | $ 62,000 |
| Greenbrier County West Virginia | 13 | $ 1,981,000 | $ 152,000 | $ 89,000 |
| Giles County Virginia | 11 | $ 1,199,000 | $ 109,000 | $ 64,000 |
| Montgomery County Virginia | 11 | $ 1,645,000 | $ 149,000 | $ 650,000 |
| Unicoi County Tennessee | 10 | $ 1,046,000 | $ 104,000 | $ 42,000 |
| Fayette County West Virginia | 10 | $ 576,000 | $ 57,000 | $ 55,000 |
| Randolph County West Virginia | 10 | $ 810,000 | $ 81,000 | $ 105,000 |
| Stokes County North Carolina | 8 | $ 519,000 | $ 64,000 | $ 43,000 |
| Carroll County Virginia | 8 | $ 1,061,000 | $ 132,000 | $ 44,000 |
| Yadkin County North Carolina | 7 | $ 661,000 | $ 94,000 | $ 64,000 |
| Monongalia County West Virginia | 6 | $ 623,000 | $ 103,000 | $ 64,000 |
| Greene County Tennessee | 5 | $ 495,000 | $ 99,000 | $ 39,000 |
| Pulaski County Virginia | 5 | $ 624,000 | $ 124,000 | $ 73,000 |
| Roanoke County Virginia | 5 | $ 1,613,000 | $ 322,000 | $ 19,000 |
| Roanoke City County Virginia | 5 | $ 1,270,000 | $ 254,000 | $ 33,000 |
| Wise County Virginia | 5 | $ 145,000 | $ 29,000 | $ 49,000 |
| Kanawha County West Virginia | 5 | $ 341,000 | $ 68,000 | $ 65,000 |
| Marion County West Virginia | 5 | $ 1,059,000 | $ 211,000 | $ 40,000 |
| Brunswick County North Carolina | 4 | $ 804,000 | $ 201,000 | $ 144,000 |
| Mecklenburg County North Carolina | 4 | $ 1,765,000 | $ 441,000 | $ 105,000 |
| Northampton County North Carolina | 4 | $ 60,000 | $ 15,000 | $ 40,000 |
| Hanover County Virginia | 4 | $ 799,000 | $ 199,000 | $ 102,000 |
| Spotsylvania County Virginia | 4 | $ 640,000 | $ 160,000 | $ 81,000 |
| Caldwell County North Carolina | 3 | $ 104,000 | $ 34,000 | $ 26,000 |
| Davidson County North Carolina | 3 | $ 571,000 | $ 190,000 | $ 110,000 |
| Iredell County North Carolina | 3 | $ 1,028,000 | $ 342,000 | $ 90,000 |
| Brunswick County Virginia | 3 | $ 16,000 | $ 5,000 | $ 20,000 |
| Buchanan County Virginia | 3 | $ 33,000 | $ 11,000 | $ 33,000 |
| Galax County Virginia | 3 | $ 198,000 | $ 66,000 | $ 60,000 |
| Grayson County Virginia | 3 | $ 91,000 | $ 30,000 | $ 49,000 |
| Braxton County West Virginia | 3 | $ 222,000 | $ 74,000 | $ 35,000 |
| Clay County West Virginia | 3 | $ 92,000 | $ 30,000 | $ 21,000 |
| Doddridge County West Virginia | 3 | $ 184,000 | $ 61,000 | $ 98,000 |
| Putnam County West Virginia | 3 | $ 232,000 | $ 77,000 | $ 85,000 |
| Buncombe County North Carolina | 2 | $ 186,000 | $ 93,000 | $ 96,000 |
| Davie County North Carolina | 2 | $ 364,000 | $ 182,000 | $ 115,000 |
| Guilford County North Carolina | 2 | $ 328,000 | $ 164,000 | $ 82,000 |
| Halifax County North Carolina | 2 | $ 63,000 | $ 31,000 | $ 84,000 |
| Randolph County North Carolina | 2 | $ 311,000 | $ 155,000 | $ 80,000 |
| Rockingham County North Carolina | 2 | $ 502,000 | $ 251,000 | $ 44,000 |
| Horry County South Carolina | 2 | $ 538,000 | $ 269,000 | $ 153,000 |
| Hawkins County Tennessee | 2 | $ 237,000 | $ 118,000 | $ 46,000 |
| Knox County Tennessee | 2 | $ 275,000 | $ 137,000 | $ 84,000 |
| Putnam County Tennessee | 2 | $ 240,000 | $ 120,000 | $ 58,000 |
| Bristol County Virginia | 2 | $ 134,000 | $ 67,000 | $ 45,000 |
| Chesapeake County Virginia | 2 | $ 548,000 | $ 274,000 | $ 197,000 |
| Essex County Virginia | 2 | $ 224,000 | $ 112,000 | $ 96,000 |
| Patrick County Virginia | 2 | $ 136,000 | $ 68,000 | $ 56,000 |
| Sussex County Virginia | 2 | $ 58,000 | $ 29,000 | $ 89,000 |
| Cabell County West Virginia | 2 | $ 136,000 | $ 68,000 | $ 30,000 |
| Tucker County West Virginia | 2 | $ 714,000 | $ 357,000 | $ 123,000 |
| Wetzel County West Virginia | 2 | $ 160,000 | $ 80,000 | $ 82,000 |
| Wood County West Virginia | 2 | $ 223,000 | $ 111,000 | $ 51,000 |
| Broward County Florida | 1 | $ 115,000 | $ 115,000 | $ 257,000 |
| Palm Beach County Florida | 1 | $ 3,400,000 | $ 3,400,000 | $ 0 |
| Polk County Florida | 1 | $ 20,000 | $ 20,000 | $ 26,000 |
| St. Johns County Florida | 1 | $ 135,000 | $ 135,000 | $ 78,000 |
| Chatham County Georgia | 1 | $ 159,000 | $ 159,000 | $ 56,000 |
| Gwinnett County Georgia | 1 | $ 233,000 | $ 233,000 | $ 95,000 |
| Hardin County Kentucky | 1 | $ 4,000 | $ 4,000 | $ 66,000 |
| Garrett County Maryland | 1 | $ 72,000 | $ 72,000 | $ 43,000 |
| Alamance County North Carolina | 1 | $ 388,000 | $ 388,000 | $ 0 |
| Burke County North Carolina | 1 | $ 62,000 | $ 62,000 | $ 42,000 |
| Catawba County North Carolina | 1 | $ 34,000 | $ 34,000 | $ 37,000 |
| Rowan County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 129,000 |
| Scotland County North Carolina | 1 | $ 32,000 | $ 32,000 | $ 106,000 |
| Stanly County North Carolina | 1 | $ 169,000 | $ 169,000 | $ 110,000 |
| Warren County North Carolina | 1 | $ 160,000 | $ 160,000 | $ 84,000 |
| Watauga County North Carolina | 1 | $ 120,000 | $ 120,000 | $ 165,000 |
| Clark County Ohio | 1 | $ 225,000 | $ 225,000 | $ 700,000 |
| Gallia County Ohio | 1 | $ 86,000 | $ 86,000 | $ 53,000 |
| Richland County Ohio | 1 | $ 75,000 | $ 75,000 | $ 235,000 |
| Jefferson County Tennessee | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Johnson County Tennessee | 1 | $ 93,000 | $ 93,000 | $ 49,000 |
| Rutherford County Tennessee | 1 | $ 244,000 | $ 244,000 | $ 45,000 |
| Sevier County Tennessee | 1 | $ 550,000 | $ 550,000 | $ 0 |
| Buckingham County Virginia | 1 | $ 10,000 | $ 10,000 | $ 14,000 |
| Craig County Virginia | 1 | $ 96,000 | $ 96,000 | $ 95,000 |
| Dinwiddie County Virginia | 1 | $ 64,000 | $ 64,000 | $ 79,000 |
| Goochland County Virginia | 1 | $ 777,000 | $ 777,000 | $ 258,000 |
| Harrisonburg County Virginia | 1 | $ 204,000 | $ 204,000 | $ 176,000 |
| James City County Virginia | 1 | $ 29,000 | $ 29,000 | $ 425,000 |
| Lynchburg County Virginia | 1 | $ 100,000 | $ 100,000 | $ 86,000 |
| Middlesex County Virginia | 1 | $ 354,000 | $ 354,000 | $ 168,000 |
| Nelson County Virginia | 1 | $ 360,000 | $ 360,000 | $ 311,000 |
| New Kent County Virginia | 1 | $ 119,000 | $ 119,000 | $ 66,000 |
| Northumberland County Virginia | 1 | $ 225,000 | $ 225,000 | $ 45,000 |
| Page County Virginia | 1 | $ 286,000 | $ 286,000 | $ 100,000 |
| Rockbridge County Virginia | 1 | $ 109,000 | $ 109,000 | $ 78,000 |
| Rockingham County Virginia | 1 | $ 38,000 | $ 38,000 | $ 32,000 |
| Southampton County Virginia | 1 | $ 125,000 | $ 125,000 | $ 69,000 |
| Suffolk County Virginia | 1 | $ 462,000 | $ 462,000 | $ 43,000 |
| Virginia Beach County Virginia | 1 | $ 514,000 | $ 514,000 | $ 0 |
| Gilmer County West Virginia | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Ritchie County West Virginia | 1 | $ 15,000 | $ 15,000 | $ 39,000 |
Mortgage Loan Application Detail Totals for First Community Bank, N. A. in 2006
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 | 1,092 | $102,144,000 | $93,000 | $3,400,000 | $70,000 | $966,000 |
| Refinancing | 954 | $77,012,000 | $80,000 | $777,000 | $64,000 | $1,147,000 |
| Home Improvement | 586 | $10,980,000 | $18,000 | $650,000 | $48,000 | $528,000 |
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 | 2,430 | $164,417,000 | $67,000 | $1,600,000 | $65,000 | $1,147,000 |
| Not applicable | 82 | $17,493,000 | $213,000 | $3,400,000 | $8,000 | $250,000 |
| Black or African American | 76 | $4,805,000 | $63,000 | $456,000 | $57,000 | $290,000 |
| Hispanic | 31 | $1,986,000 | $64,000 | $380,000 | $47,000 | $147,000 |
| Asian | 9 | $1,067,000 | $118,000 | $283,000 | $108,000 | $278,000 |
| Not Provided | 2 | $276,000 | $138,000 | $204,000 | $109,000 | $176,000 |
| American Indian or Alaskan Native | 1 | $43,000 | $43,000 | $43,000 | $72,000 | $72,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $49,000 | $49,000 | $49,000 | $166,000 | $166,000 |
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) | 2,631 | $190,012,000 | $72,000 | $3,400,000 | $63,000 | $1,147,000 |
| VA-guaranteed (Veterans Administration) | 1 | $124,000 | $124,000 | $124,000 | $37,000 | $37,000 |
| 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 | 2,147 | $156,353,000 | $72,000 | $3,400,000 | $66,000 | $1,147,000 |
| Application Denied By Financial Institution | 343 | $19,498,000 | $56,000 | $1,600,000 | $41,000 | $737,000 |
| Application Approved But Not Accepted | 84 | $11,452,000 | $136,000 | $417,000 | $78,000 | $587,000 |
| Application Withdrawn By Applicant | 55 | $2,520,000 | $45,000 | $250,000 | $45,000 | $190,000 |
| File Closed For Incompleteness | 3 | $313,000 | $104,000 | $200,000 | $62,000 | $89,000 |
| 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 | 223 | $11,003,000 | $49,000 | $1,600,000 | $39,000 | $737,000 |
| Debt-To-Income Ratio | 78 | $3,778,000 | $48,000 | $225,000 | $35,000 | $120,000 |
| Collateral | 26 | $3,386,000 | $130,000 | $622,000 | $76,000 | $498,000 |
| Other | 8 | $633,000 | $79,000 | $259,000 | $36,000 | $79,000 |
| Employment History | 4 | $238,000 | $59,000 | $128,000 | $31,000 | $55,000 |
| Unverifiable Information | 3 | $428,000 | $142,000 | $198,000 | $65,000 | $84,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $32,000 | $32,000 | $32,000 | $10,000 | $10,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Community Bank, N. A.'s 2006 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.
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