First Community Bank, N. A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
First Community Bank, N. A. 2008 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 | 2,184 |
| Total Mortgage Loan Application Amount | $217,686,000 |
| Average Mortgage Loan Application Amount | $83,333 |
| Highest Mortgage Loan Application Amount | $7,000,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $4,289,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 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 2008 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 2008.
| 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 | 409 | $ 27,938,000 | $ 68,000 | $ 62,000 |
| Upshur County West Virginia | 221 | $ 15,899,000 | $ 71,000 | $ 67,000 |
| Nicholas County West Virginia | 161 | $ 9,344,000 | $ 58,000 | $ 58,000 |
| Raleigh County West Virginia | 151 | $ 14,563,000 | $ 96,000 | $ 67,000 |
| Tazewell County Virginia | 126 | $ 10,579,000 | $ 83,000 | $ 90,000 |
| Washington County Tennessee | 104 | $ 12,718,000 | $ 122,000 | $ 59,000 |
| Wyoming County West Virginia | 89 | $ 3,482,000 | $ 39,000 | $ 50,000 |
| Iredell County North Carolina | 63 | $ 11,124,000 | $ 176,000 | $ 76,000 |
| Logan County West Virginia | 54 | $ 3,028,000 | $ 56,000 | $ 56,000 |
| Alexander County North Carolina | 44 | $ 4,291,000 | $ 97,000 | $ 78,000 |
| Forsyth County North Carolina | 44 | $ 5,529,000 | $ 125,000 | $ 65,000 |
| Summers County West Virginia | 36 | $ 2,553,000 | $ 70,000 | $ 127,000 |
| Webster County West Virginia | 35 | $ 1,624,000 | $ 46,000 | $ 51,000 |
| Monroe County West Virginia | 33 | $ 1,804,000 | $ 54,000 | $ 63,000 |
| Sullivan County Tennessee | 31 | $ 4,197,000 | $ 135,000 | $ 64,000 |
| Taylor County West Virginia | 30 | $ 1,651,000 | $ 55,000 | $ 47,000 |
| Wythe County Virginia | 29 | $ 2,201,000 | $ 75,000 | $ 56,000 |
| Wilkes County North Carolina | 28 | $ 2,090,000 | $ 74,000 | $ 47,000 |
| Alleghany County North Carolina | 23 | $ 2,901,000 | $ 126,000 | $ 64,000 |
| Mecklenburg County North Carolina | 21 | $ 9,512,000 | $ 452,000 | $ 137,000 |
| Davidson County North Carolina | 19 | $ 2,713,000 | $ 142,000 | $ 78,000 |
| Richmond City County Virginia | 19 | $ 2,808,000 | $ 147,000 | $ 179,000 |
| Fayette County West Virginia | 18 | $ 1,487,000 | $ 82,000 | $ 54,000 |
| McDowell County West Virginia | 18 | $ 556,000 | $ 30,000 | $ 38,000 |
| Surry County North Carolina | 17 | $ 1,220,000 | $ 71,000 | $ 76,000 |
| Chesterfield County Virginia | 16 | $ 3,357,000 | $ 209,000 | $ 104,000 |
| Harrison County West Virginia | 14 | $ 1,111,000 | $ 79,000 | $ 59,000 |
| Bland County Virginia | 13 | $ 855,000 | $ 65,000 | $ 48,000 |
| Guilford County North Carolina | 12 | $ 2,832,000 | $ 236,000 | $ 65,000 |
| Rowan County North Carolina | 12 | $ 2,503,000 | $ 208,000 | $ 101,000 |
| Barbour County West Virginia | 12 | $ 832,000 | $ 69,000 | $ 50,000 |
| Lewis County West Virginia | 12 | $ 836,000 | $ 69,000 | $ 85,000 |
| Mingo County West Virginia | 12 | $ 563,000 | $ 46,000 | $ 47,000 |
| Carter County Tennessee | 11 | $ 2,073,000 | $ 188,000 | $ 66,000 |
| Greensville County Virginia | 11 | $ 532,000 | $ 48,000 | $ 44,000 |
| Dickenson County Virginia | 10 | $ 473,000 | $ 47,000 | $ 46,000 |
| Greenbrier County West Virginia | 10 | $ 1,345,000 | $ 134,000 | $ 143,000 |
| Unicoi County Tennessee | 9 | $ 957,000 | $ 106,000 | $ 58,000 |
| Emporia County Virginia | 9 | $ 789,000 | $ 87,000 | $ 69,000 |
| Henrico County Virginia | 9 | $ 2,111,000 | $ 234,000 | $ 108,000 |
| Russell County Virginia | 9 | $ 703,000 | $ 78,000 | $ 76,000 |
| Monongalia County West Virginia | 9 | $ 1,223,000 | $ 135,000 | $ 96,000 |
| Catawba County North Carolina | 8 | $ 480,000 | $ 60,000 | $ 55,000 |
| Wise County Virginia | 7 | $ 343,000 | $ 49,000 | $ 61,000 |
| Yadkin County North Carolina | 5 | $ 489,000 | $ 97,000 | $ 93,000 |
| Greene County Tennessee | 5 | $ 427,000 | $ 85,000 | $ 55,000 |
| Carroll County Virginia | 5 | $ 392,000 | $ 78,000 | $ 30,000 |
| Essex County Virginia | 5 | $ 668,000 | $ 133,000 | $ 1,551,000 |
| Spotsylvania County Virginia | 5 | $ 604,000 | $ 120,000 | $ 30,000 |
| Preston County West Virginia | 5 | $ 285,000 | $ 57,000 | $ 79,000 |
| Horry County South Carolina | 4 | $ 577,000 | $ 144,000 | $ 195,000 |
| Colonial Heights County Virginia | 4 | $ 1,148,000 | $ 287,000 | $ 665,000 |
| Braxton County West Virginia | 4 | $ 506,000 | $ 126,000 | $ 79,000 |
| Cabell County West Virginia | 4 | $ 333,000 | $ 83,000 | $ 142,000 |
| Stokes County North Carolina | 3 | $ 339,000 | $ 113,000 | $ 49,000 |
| Hanover County Virginia | 3 | $ 843,000 | $ 281,000 | $ 82,000 |
| Henry County Virginia | 3 | $ 287,000 | $ 95,000 | $ 14,000 |
| Powhatan County Virginia | 3 | $ 1,217,000 | $ 405,000 | $ 97,000 |
| Radford County Virginia | 3 | $ 924,000 | $ 308,000 | $ 59,000 |
| Marion County West Virginia | 3 | $ 548,000 | $ 182,000 | $ 45,000 |
| Tucker County West Virginia | 3 | $ 242,000 | $ 80,000 | $ 39,000 |
| Brunswick County North Carolina | 2 | $ 670,000 | $ 335,000 | $ 128,000 |
| Cabarrus County North Carolina | 2 | $ 359,000 | $ 179,000 | $ 96,000 |
| Lincoln County North Carolina | 2 | $ 425,000 | $ 212,000 | $ 169,000 |
| Wake County North Carolina | 2 | $ 1,199,000 | $ 599,000 | $ 485,000 |
| Greenville County South Carolina | 2 | $ 1,508,000 | $ 754,000 | $ 266,000 |
| Grainger County Tennessee | 2 | $ 459,000 | $ 229,000 | $ 109,000 |
| Buchanan County Virginia | 2 | $ 28,000 | $ 14,000 | $ 62,000 |
| Dinwiddie County Virginia | 2 | $ 308,000 | $ 154,000 | $ 68,000 |
| Giles County Virginia | 2 | $ 213,000 | $ 106,000 | $ 62,000 |
| Pulaski County Virginia | 2 | $ 1,255,000 | $ 627,000 | $ 585,000 |
| Roanoke City County Virginia | 2 | $ 125,000 | $ 62,000 | $ 68,000 |
| Salem County Virginia | 2 | $ 282,000 | $ 141,000 | $ 0 |
| Southampton County Virginia | 2 | $ 223,000 | $ 111,000 | $ 67,000 |
| Washington County Virginia | 2 | $ 261,000 | $ 130,000 | $ 61,000 |
| Boone County West Virginia | 2 | $ 150,000 | $ 75,000 | $ 52,000 |
| Clay County West Virginia | 2 | $ 180,000 | $ 90,000 | $ 144,000 |
| Kanawha County West Virginia | 2 | $ 139,000 | $ 69,000 | $ 60,000 |
| Alachua County Florida | 1 | $ 261,000 | $ 261,000 | $ 100,000 |
| Brevard County Florida | 1 | $ 191,000 | $ 191,000 | $ 84,000 |
| Marion County Florida | 1 | $ 202,000 | $ 202,000 | $ 117,000 |
| Palm Beach County Florida | 1 | $ 6,800,000 | $ 6,800,000 | $ 0 |
| Gilmer County Georgia | 1 | $ 203,000 | $ 203,000 | $ 163,000 |
| Walton County Georgia | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Bell County Kentucky | 1 | $ 38,000 | $ 38,000 | $ 23,000 |
| Jefferson County Kentucky | 1 | $ 159,000 | $ 159,000 | $ 45,000 |
| Montgomery County Maryland | 1 | $ 20,000 | $ 20,000 | $ 104,000 |
| Clark County Nevada | 1 | $ 475,000 | $ 475,000 | $ 311,000 |
| Alamance County North Carolina | 1 | $ 78,000 | $ 78,000 | $ 204,000 |
| Carteret County North Carolina | 1 | $ 1,250,000 | $ 1,250,000 | $ 892,000 |
| Cumberland County North Carolina | 1 | $ 174,000 | $ 174,000 | $ 82,000 |
| Davie County North Carolina | 1 | $ 380,000 | $ 380,000 | $ 122,000 |
| Durham County North Carolina | 1 | $ 49,000 | $ 49,000 | $ 137,000 |
| Gaston County North Carolina | 1 | $ 171,000 | $ 171,000 | $ 115,000 |
| New Hanover County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Northampton County North Carolina | 1 | $ 342,000 | $ 342,000 | $ 43,000 |
| Rockingham County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 97,000 |
| Tulsa County Oklahoma | 1 | $ 200,000 | $ 200,000 | $ 253,000 |
| Allegheny County Pennsylvania | 1 | $ 108,000 | $ 108,000 | $ 41,000 |
| Beaufort County South Carolina | 1 | $ 170,000 | $ 170,000 | $ 96,000 |
| Charleston County South Carolina | 1 | $ 183,000 | $ 183,000 | $ 65,000 |
| Georgetown County South Carolina | 1 | $ 1,184,000 | $ 1,184,000 | $ 675,000 |
| Lexington County South Carolina | 1 | $ 1,200,000 | $ 1,200,000 | $ 0 |
| Johnson County Tennessee | 1 | $ 120,000 | $ 120,000 | $ 50,000 |
| Rutherford County Tennessee | 1 | $ 173,000 | $ 173,000 | $ 108,000 |
| Albemarle County Virginia | 1 | $ 149,000 | $ 149,000 | $ 219,000 |
| Augusta County Virginia | 1 | $ 229,000 | $ 229,000 | $ 79,000 |
| Bedford County Virginia | 1 | $ 130,000 | $ 130,000 | $ 77,000 |
| Caroline County Virginia | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Charlottesville County Virginia | 1 | $ 200,000 | $ 200,000 | $ 326,000 |
| Franklin County Virginia | 1 | $ 1,451,000 | $ 1,451,000 | $ 670,000 |
| Galax County Virginia | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Grayson County Virginia | 1 | $ 132,000 | $ 132,000 | $ 68,000 |
| Harrisonburg County Virginia | 1 | $ 193,000 | $ 193,000 | $ 0 |
| James City County Virginia | 1 | $ 154,000 | $ 154,000 | $ 1,340,000 |
| Louisa County Virginia | 1 | $ 219,000 | $ 219,000 | $ 65,000 |
| Montgomery County Virginia | 1 | $ 101,000 | $ 101,000 | $ 4,289,000 |
| New Kent County Virginia | 1 | $ 325,000 | $ 325,000 | $ 106,000 |
| Newport News County Virginia | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Prince George County Virginia | 1 | $ 223,000 | $ 223,000 | $ 109,000 |
| Rockingham County Virginia | 1 | $ 131,000 | $ 131,000 | $ 43,000 |
| Staunton County Virginia | 1 | $ 234,000 | $ 234,000 | $ 119,000 |
| Suffolk County Virginia | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Virginia Beach County Virginia | 1 | $ 12,000 | $ 12,000 | $ 101,000 |
| York County Virginia | 1 | $ 98,000 | $ 98,000 | $ 103,000 |
| Calhoun County West Virginia | 1 | $ 44,000 | $ 44,000 | $ 70,000 |
| Doddridge County West Virginia | 1 | $ 35,000 | $ 35,000 | $ 35,000 |
| Jackson County West Virginia | 1 | $ 345,000 | $ 345,000 | $ 195,000 |
| Lincoln County West Virginia | 1 | $ 54,000 | $ 54,000 | $ 38,000 |
| Mason County West Virginia | 1 | $ 138,000 | $ 138,000 | $ 83,000 |
| Pocahontas County West Virginia | 1 | $ 437,000 | $ 437,000 | $ 0 |
| Putnam County West Virginia | 1 | $ 107,000 | $ 107,000 | $ 118,000 |
| Randolph County West Virginia | 1 | $ 105,000 | $ 105,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for First Community Bank, N. A. in 2008
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 | 1,131 | $125,384,000 | $110,000 | $7,000,000 | $84,000 | $4,289,000 |
| Home Purchase | 812 | $82,936,000 | $102,000 | $6,800,000 | $77,000 | $2,546,000 |
| Home Improvement | 241 | $9,366,000 | $38,000 | $829,000 | $52,000 | $300,000 |
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 | 2,015 | $182,047,000 | $90,000 | $1,600,000 | $81,000 | $4,289,000 |
| Not applicable | 84 | $27,572,000 | $328,000 | $7,000,000 | $0 | $0 |
| Black or African American | 45 | $2,824,000 | $62,000 | $270,000 | $64,000 | $308,000 |
| Hispanic | 21 | $1,942,000 | $92,000 | $350,000 | $49,000 | $165,000 |
| Not Provided | 9 | $1,817,000 | $201,000 | $650,000 | $97,000 | $253,000 |
| Asian | 7 | $1,263,000 | $180,000 | $375,000 | $122,000 | $298,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $99,000 | $49,000 | $74,000 | $110,000 | $133,000 |
| American Indian or Alaskan Native | 1 | $122,000 | $122,000 | $122,000 | $38,000 | $38,000 |
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) | 2,181 | $217,173,000 | $99,000 | $7,000,000 | $78,000 | $4,289,000 |
| VA-guaranteed (Veterans Administration) | 3 | $513,000 | $171,000 | $260,000 | $45,000 | $64,000 |
| 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 | 1,465 | $160,927,000 | $109,000 | $7,000,000 | $90,000 | $4,289,000 |
| Application Denied By Financial Institution | 469 | $29,659,000 | $63,000 | $1,200,000 | $44,000 | $296,000 |
| Application Approved But Not Accepted | 223 | $25,310,000 | $113,000 | $1,451,000 | $72,000 | $1,340,000 |
| Application Withdrawn By Applicant | 27 | $1,790,000 | $66,000 | $200,000 | $44,000 | $99,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 297 | $14,719,000 | $49,000 | $540,000 | $42,000 | $296,000 |
| Debt-To-Income Ratio | 99 | $9,905,000 | $100,000 | $1,200,000 | $46,000 | $156,000 |
| Collateral | 36 | $2,240,000 | $62,000 | $143,000 | $53,000 | $179,000 |
| Other | 12 | $905,000 | $75,000 | $214,000 | $40,000 | $74,000 |
| Employment History | 10 | $754,000 | $75,000 | $364,000 | $52,000 | $132,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $206,000 | $41,000 | $85,000 | $51,000 | $68,000 |
| Unverifiable Information | 4 | $377,000 | $94,000 | $189,000 | $45,000 | $88,000 |
| Credit Application Incomplete | 3 | $164,000 | $54,000 | $75,000 | $53,000 | $61,000 |
| Mortgage Insurance Denied | 3 | $389,000 | $129,000 | $164,000 | $71,000 | $92,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Community Bank, N. A.'s 2008 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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with aggregated HMDA statistics today.