First Community Bank, N. A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
First Community Bank, N. A. 2007 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 | 2,522 |
| Total Mortgage Loan Application Amount | $189,793,000 |
| Average Mortgage Loan Application Amount | $66,333 |
| Highest Mortgage Loan Application Amount | $1,900,000 |
| Average Applicant Income | $64,333 |
| Highest Applicant Income | $2,462,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| 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 | 586 | $ 31,486,000 | $ 53,000 | $ 56,000 |
| Upshur County West Virginia | 254 | $ 16,677,000 | $ 65,000 | $ 62,000 |
| Nicholas County West Virginia | 165 | $ 7,098,000 | $ 43,000 | $ 52,000 |
| Raleigh County West Virginia | 160 | $ 14,218,000 | $ 88,000 | $ 80,000 |
| Tazewell County Virginia | 159 | $ 12,320,000 | $ 77,000 | $ 92,000 |
| Wyoming County West Virginia | 116 | $ 4,041,000 | $ 34,000 | $ 53,000 |
| Washington County Tennessee | 85 | $ 10,540,000 | $ 124,000 | $ 75,000 |
| Taylor County West Virginia | 83 | $ 4,603,000 | $ 55,000 | $ 45,000 |
| Logan County West Virginia | 82 | $ 2,683,000 | $ 32,000 | $ 53,000 |
| Webster County West Virginia | 45 | $ 1,157,000 | $ 25,000 | $ 49,000 |
| Forsyth County North Carolina | 42 | $ 5,609,000 | $ 133,000 | $ 84,000 |
| Summers County West Virginia | 39 | $ 2,616,000 | $ 67,000 | $ 67,000 |
| Alexander County North Carolina | 38 | $ 3,673,000 | $ 96,000 | $ 69,000 |
| Monroe County West Virginia | 30 | $ 2,070,000 | $ 69,000 | $ 47,000 |
| Greensville County Virginia | 29 | $ 1,295,000 | $ 44,000 | $ 50,000 |
| Sullivan County Tennessee | 28 | $ 3,497,000 | $ 124,000 | $ 48,000 |
| Wythe County Virginia | 28 | $ 1,642,000 | $ 58,000 | $ 65,000 |
| Fayette County West Virginia | 27 | $ 1,849,000 | $ 68,000 | $ 62,000 |
| Richmond City County Virginia | 26 | $ 5,059,000 | $ 194,000 | $ 121,000 |
| Henrico County Virginia | 25 | $ 4,534,000 | $ 181,000 | $ 98,000 |
| Surry County North Carolina | 23 | $ 2,358,000 | $ 102,000 | $ 72,000 |
| Emporia County Virginia | 23 | $ 1,067,000 | $ 46,000 | $ 62,000 |
| Lewis County West Virginia | 23 | $ 952,000 | $ 41,000 | $ 57,000 |
| Bland County Virginia | 21 | $ 2,093,000 | $ 99,000 | $ 65,000 |
| Alleghany County North Carolina | 20 | $ 1,349,000 | $ 67,000 | $ 61,000 |
| Carter County Tennessee | 18 | $ 2,111,000 | $ 117,000 | $ 64,000 |
| Chesterfield County Virginia | 18 | $ 2,739,000 | $ 152,000 | $ 120,000 |
| McDowell County West Virginia | 18 | $ 254,000 | $ 14,000 | $ 38,000 |
| Barbour County West Virginia | 15 | $ 869,000 | $ 57,000 | $ 49,000 |
| Davidson County North Carolina | 13 | $ 1,692,000 | $ 130,000 | $ 75,000 |
| Dickenson County Virginia | 13 | $ 602,000 | $ 46,000 | $ 55,000 |
| Harrison County West Virginia | 13 | $ 1,455,000 | $ 111,000 | $ 70,000 |
| Caroline County Virginia | 12 | $ 1,768,000 | $ 147,000 | $ 87,000 |
| Greenbrier County West Virginia | 12 | $ 709,000 | $ 59,000 | $ 66,000 |
| Mingo County West Virginia | 11 | $ 300,000 | $ 27,000 | $ 58,000 |
| Wilkes County North Carolina | 9 | $ 1,057,000 | $ 117,000 | $ 57,000 |
| Wise County Virginia | 9 | $ 308,000 | $ 34,000 | $ 83,000 |
| Randolph County West Virginia | 9 | $ 415,000 | $ 46,000 | $ 58,000 |
| Yadkin County North Carolina | 7 | $ 874,000 | $ 124,000 | $ 51,000 |
| Kanawha County West Virginia | 7 | $ 938,000 | $ 134,000 | $ 152,000 |
| Hanover County Virginia | 6 | $ 1,047,000 | $ 174,000 | $ 98,000 |
| Monongalia County West Virginia | 6 | $ 1,761,000 | $ 293,000 | $ 161,000 |
| Montgomery County Virginia | 5 | $ 559,000 | $ 111,000 | $ 20,000 |
| Roanoke County Virginia | 5 | $ 1,473,000 | $ 294,000 | $ 81,000 |
| Catawba County North Carolina | 4 | $ 877,000 | $ 219,000 | $ 74,000 |
| Buchanan County Virginia | 4 | $ 120,000 | $ 30,000 | $ 42,000 |
| Giles County Virginia | 4 | $ 301,000 | $ 75,000 | $ 67,000 |
| Pulaski County Virginia | 4 | $ 1,349,000 | $ 337,000 | $ 140,000 |
| Roanoke City County Virginia | 4 | $ 711,000 | $ 177,000 | $ 47,000 |
| Russell County Virginia | 4 | $ 226,000 | $ 56,000 | $ 31,000 |
| Southampton County Virginia | 4 | $ 81,000 | $ 20,000 | $ 41,000 |
| Preston County West Virginia | 4 | $ 158,000 | $ 39,000 | $ 78,000 |
| Horry County South Carolina | 3 | $ 1,065,000 | $ 355,000 | $ 243,000 |
| Hawkins County Tennessee | 3 | $ 246,000 | $ 82,000 | $ 49,000 |
| Bristol County Virginia | 3 | $ 272,000 | $ 90,000 | $ 43,000 |
| Rockingham County Virginia | 3 | $ 506,000 | $ 168,000 | $ 135,000 |
| Scott County Virginia | 3 | $ 137,000 | $ 45,000 | $ 48,000 |
| Braxton County West Virginia | 3 | $ 157,000 | $ 52,000 | $ 45,000 |
| Marion County West Virginia | 3 | $ 88,000 | $ 29,000 | $ 65,000 |
| St. Johns County Florida | 2 | $ 702,000 | $ 351,000 | $ 152,000 |
| Brunswick County North Carolina | 2 | $ 692,000 | $ 346,000 | $ 48,000 |
| Davie County North Carolina | 2 | $ 186,000 | $ 93,000 | $ 41,000 |
| Guilford County North Carolina | 2 | $ 224,000 | $ 112,000 | $ 77,000 |
| Iredell County North Carolina | 2 | $ 373,000 | $ 186,000 | $ 90,000 |
| Northampton County North Carolina | 2 | $ 192,000 | $ 96,000 | $ 74,000 |
| Randolph County North Carolina | 2 | $ 372,000 | $ 186,000 | $ 27,000 |
| Wake County North Carolina | 2 | $ 467,000 | $ 233,000 | $ 178,000 |
| Allegheny County Pennsylvania | 2 | $ 176,000 | $ 88,000 | $ 43,000 |
| Greene County Tennessee | 2 | $ 145,000 | $ 72,000 | $ 52,000 |
| Knox County Tennessee | 2 | $ 234,000 | $ 117,000 | $ 103,000 |
| Unicoi County Tennessee | 2 | $ 335,000 | $ 167,000 | $ 183,000 |
| Williamson County Tennessee | 2 | $ 614,000 | $ 307,000 | $ 127,000 |
| Albemarle County Virginia | 2 | $ 688,000 | $ 344,000 | $ 150,000 |
| Augusta County Virginia | 2 | $ 47,000 | $ 23,000 | $ 61,000 |
| Carroll County Virginia | 2 | $ 370,000 | $ 185,000 | $ 152,000 |
| Essex County Virginia | 2 | $ 222,000 | $ 111,000 | $ 77,000 |
| Fredericksburg County Virginia | 2 | $ 770,000 | $ 385,000 | $ 0 |
| Grayson County Virginia | 2 | $ 388,000 | $ 194,000 | $ 1,293,000 |
| Harrisonburg County Virginia | 2 | $ 274,000 | $ 137,000 | $ 133,000 |
| New Kent County Virginia | 2 | $ 271,000 | $ 135,000 | $ 156,000 |
| Rockbridge County Virginia | 2 | $ 340,000 | $ 170,000 | $ 94,000 |
| Washington County Virginia | 2 | $ 359,000 | $ 179,000 | $ 81,000 |
| Cabell County West Virginia | 2 | $ 239,000 | $ 119,000 | $ 31,000 |
| Clay County West Virginia | 2 | $ 29,000 | $ 14,000 | $ 40,000 |
| Doddridge County West Virginia | 2 | $ 65,000 | $ 32,000 | $ 33,000 |
| Pocahontas County West Virginia | 2 | $ 408,000 | $ 204,000 | $ 115,000 |
| Hillsborough County Florida | 1 | $ 222,000 | $ 222,000 | $ 201,000 |
| Indian River County Florida | 1 | $ 120,000 | $ 120,000 | $ 82,000 |
| Okaloosa County Florida | 1 | $ 5,000 | $ 5,000 | $ 72,000 |
| Sarasota County Florida | 1 | $ 1,900,000 | $ 1,900,000 | $ 571,000 |
| Walton County Florida | 1 | $ 674,000 | $ 674,000 | $ 0 |
| Jefferson County Kentucky | 1 | $ 84,000 | $ 84,000 | $ 50,000 |
| Oldham County Kentucky | 1 | $ 355,000 | $ 355,000 | $ 148,000 |
| St. Mary's County Maryland | 1 | $ 159,000 | $ 159,000 | $ 53,000 |
| Dare County North Carolina | 1 | $ 354,000 | $ 354,000 | $ 0 |
| Halifax County North Carolina | 1 | $ 38,000 | $ 38,000 | $ 55,000 |
| Mecklenburg County North Carolina | 1 | $ 252,000 | $ 252,000 | $ 75,000 |
| Rockingham County North Carolina | 1 | $ 210,000 | $ 210,000 | $ 120,000 |
| Rowan County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 21,000 |
| Stokes County North Carolina | 1 | $ 28,000 | $ 28,000 | $ 37,000 |
| Warren County North Carolina | 1 | $ 113,000 | $ 113,000 | $ 127,000 |
| Wilson County North Carolina | 1 | $ 19,000 | $ 19,000 | $ 0 |
| Lawrence County Ohio | 1 | $ 100,000 | $ 100,000 | $ 33,000 |
| Lexington County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 96,000 |
| Hamblen County Tennessee | 1 | $ 68,000 | $ 68,000 | $ 27,000 |
| Johnson County Tennessee | 1 | $ 180,000 | $ 180,000 | $ 58,000 |
| Sevier County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Amelia County Virginia | 1 | $ 44,000 | $ 44,000 | $ 60,000 |
| Bath County Virginia | 1 | $ 66,000 | $ 66,000 | $ 98,000 |
| Chesapeake County Virginia | 1 | $ 287,000 | $ 287,000 | $ 213,000 |
| Dinwiddie County Virginia | 1 | $ 154,000 | $ 154,000 | $ 57,000 |
| Fluvanna County Virginia | 1 | $ 59,000 | $ 59,000 | $ 84,000 |
| Franklin County Virginia | 1 | $ 70,000 | $ 70,000 | $ 31,000 |
| Galax County Virginia | 1 | $ 44,000 | $ 44,000 | $ 0 |
| Gloucester County Virginia | 1 | $ 248,000 | $ 248,000 | $ 144,000 |
| Goochland County Virginia | 1 | $ 205,000 | $ 205,000 | $ 42,000 |
| Nelson County Virginia | 1 | $ 310,000 | $ 310,000 | $ 149,000 |
| Newport News County Virginia | 1 | $ 170,000 | $ 170,000 | $ 161,000 |
| Norton County Virginia | 1 | $ 85,000 | $ 85,000 | $ 70,000 |
| Nottoway County Virginia | 1 | $ 32,000 | $ 32,000 | $ 25,000 |
| Orange County Virginia | 1 | $ 85,000 | $ 85,000 | $ 145,000 |
| Patrick County Virginia | 1 | $ 141,000 | $ 141,000 | $ 94,000 |
| Pittsylvania County Virginia | 1 | $ 104,000 | $ 104,000 | $ 38,000 |
| Salem County Virginia | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Smyth County Virginia | 1 | $ 250,000 | $ 250,000 | $ 168,000 |
| Stafford County Virginia | 1 | $ 40,000 | $ 40,000 | $ 212,000 |
| York County Virginia | 1 | $ 101,000 | $ 101,000 | $ 87,000 |
| Boone County West Virginia | 1 | $ 20,000 | $ 20,000 | $ 54,000 |
| Calhoun County West Virginia | 1 | $ 100,000 | $ 100,000 | $ 110,000 |
| Gilmer County West Virginia | 1 | $ 5,000 | $ 5,000 | $ 18,000 |
| Hampshire County West Virginia | 1 | $ 84,000 | $ 84,000 | $ 77,000 |
| Mineral County West Virginia | 1 | $ 47,000 | $ 47,000 | $ 178,000 |
| Putnam County West Virginia | 1 | $ 360,000 | $ 360,000 | $ 174,000 |
| Roane County West Virginia | 1 | $ 23,000 | $ 23,000 | $ 33,000 |
| Tucker County West Virginia | 1 | $ 360,000 | $ 360,000 | $ 240,000 |
| Wayne County West Virginia | 1 | $ 12,000 | $ 12,000 | $ 48,000 |
| Wetzel County West Virginia | 1 | $ 16,000 | $ 16,000 | $ 200,000 |
| Park County Wyoming | 1 | $ 105,000 | $ 105,000 | $ 32,000 |
Mortgage Loan Application Detail Totals for First Community Bank, N. A. in 2007
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 | 1,067 | $93,720,000 | $87,000 | $1,500,000 | $68,000 | $956,000 |
| Home Purchase | 922 | $85,309,000 | $92,000 | $1,900,000 | $72,000 | $2,462,000 |
| Home Improvement | 533 | $10,764,000 | $20,000 | $310,000 | $53,000 | $626,000 |
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 | 2,334 | $169,865,000 | $72,000 | $1,900,000 | $69,000 | $2,462,000 |
| Not applicable | 85 | $12,660,000 | $148,000 | $1,500,000 | $0 | $0 |
| Black or African American | 62 | $3,264,000 | $52,000 | $287,000 | $62,000 | $269,000 |
| Hispanic | 22 | $1,707,000 | $77,000 | $414,000 | $52,000 | $175,000 |
| Not Provided | 10 | $590,000 | $59,000 | $259,000 | $57,000 | $176,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $873,000 | $218,000 | $387,000 | $128,000 | $166,000 |
| Asian | 3 | $648,000 | $216,000 | $417,000 | $187,000 | $427,000 |
| American Indian or Alaskan Native | 2 | $186,000 | $93,000 | $150,000 | $59,000 | $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) | 2,522 | $189,793,000 | $75,000 | $1,900,000 | $66,000 | $2,462,000 |
| 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 | 2,018 | $158,022,000 | $78,000 | $1,900,000 | $70,000 | $2,462,000 |
| Application Denied By Financial Institution | 337 | $16,435,000 | $48,000 | $720,000 | $40,000 | $284,000 |
| Application Approved But Not Accepted | 96 | $10,897,000 | $113,000 | $443,000 | $75,000 | $505,000 |
| Application Withdrawn By Applicant | 68 | $4,106,000 | $60,000 | $387,000 | $60,000 | $202,000 |
| File Closed For Incompleteness | 3 | $333,000 | $111,000 | $200,000 | $35,000 | $43,000 |
| 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 | 267 | $11,724,000 | $43,000 | $416,000 | $41,000 | $169,000 |
| Debt-To-Income Ratio | 35 | $2,428,000 | $69,000 | $720,000 | $40,000 | $284,000 |
| Collateral | 14 | $787,000 | $56,000 | $125,000 | $44,000 | $87,000 |
| Other | 10 | $764,000 | $76,000 | $164,000 | $46,000 | $102,000 |
| Employment History | 8 | $463,000 | $57,000 | $90,000 | $25,000 | $39,000 |
| Unverifiable Information | 2 | $260,000 | $130,000 | $224,000 | $35,000 | $44,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $9,000 | $9,000 | $9,000 | $15,000 | $15,000 |
| 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 2007 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.