First Community Bank, N. A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
First Community Bank, N. A. 2010 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 | 2,060 |
| Total Mortgage Loan Application Amount | $255,174,000 |
| Average Mortgage Loan Application Amount | $106,666 |
| Highest Mortgage Loan Application Amount | $7,300,000 |
| Average Applicant Income | $71,333 |
| Highest Applicant Income | $2,291,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 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 2010 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 2010.
| 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 | 403 | $ 39,547,000 | $ 98,000 | $ 73,000 |
| Nicholas County West Virginia | 179 | $ 14,703,000 | $ 82,000 | $ 65,000 |
| Raleigh County West Virginia | 159 | $ 21,046,000 | $ 132,000 | $ 80,000 |
| Forsyth County North Carolina | 136 | $ 22,325,000 | $ 164,000 | $ 69,000 |
| Upshur County West Virginia | 126 | $ 11,509,000 | $ 91,000 | $ 66,000 |
| Tazewell County Virginia | 120 | $ 11,138,000 | $ 92,000 | $ 63,000 |
| Washington County Tennessee | 86 | $ 14,155,000 | $ 164,000 | $ 104,000 |
| Wyoming County West Virginia | 64 | $ 3,703,000 | $ 57,000 | $ 60,000 |
| Iredell County North Carolina | 40 | $ 10,112,000 | $ 252,000 | $ 85,000 |
| Logan County West Virginia | 36 | $ 2,291,000 | $ 63,000 | $ 52,000 |
| Alleghany County North Carolina | 35 | $ 3,838,000 | $ 109,000 | $ 51,000 |
| Henrico County Virginia | 31 | $ 5,911,000 | $ 190,000 | $ 119,000 |
| Davidson County North Carolina | 27 | $ 4,650,000 | $ 172,000 | $ 102,000 |
| Alexander County North Carolina | 26 | $ 2,122,000 | $ 81,000 | $ 46,000 |
| Sullivan County Tennessee | 26 | $ 2,671,000 | $ 102,000 | $ 66,000 |
| Richmond City County Virginia | 26 | $ 10,153,000 | $ 390,000 | $ 120,000 |
| Webster County West Virginia | 26 | $ 1,417,000 | $ 54,000 | $ 48,000 |
| Wilkes County North Carolina | 24 | $ 2,707,000 | $ 112,000 | $ 76,000 |
| Monroe County West Virginia | 23 | $ 2,220,000 | $ 96,000 | $ 62,000 |
| Taylor County West Virginia | 23 | $ 2,044,000 | $ 88,000 | $ 77,000 |
| Guilford County North Carolina | 21 | $ 3,399,000 | $ 161,000 | $ 61,000 |
| Fayette County West Virginia | 21 | $ 2,168,000 | $ 103,000 | $ 58,000 |
| Summers County West Virginia | 21 | $ 1,406,000 | $ 66,000 | $ 43,000 |
| Mecklenburg County North Carolina | 20 | $ 6,116,000 | $ 305,000 | $ 191,000 |
| Rowan County North Carolina | 20 | $ 2,306,000 | $ 115,000 | $ 54,000 |
| Wythe County Virginia | 18 | $ 2,048,000 | $ 113,000 | $ 58,000 |
| Chesterfield County Virginia | 16 | $ 2,206,000 | $ 137,000 | $ 78,000 |
| Carter County Tennessee | 14 | $ 1,663,000 | $ 118,000 | $ 63,000 |
| Lewis County West Virginia | 14 | $ 1,173,000 | $ 83,000 | $ 56,000 |
| Dickenson County Virginia | 12 | $ 662,000 | $ 55,000 | $ 36,000 |
| Surry County North Carolina | 11 | $ 977,000 | $ 88,000 | $ 66,000 |
| Kanawha County West Virginia | 10 | $ 810,000 | $ 81,000 | $ 72,000 |
| Bland County Virginia | 9 | $ 1,241,000 | $ 137,000 | $ 59,000 |
| Mingo County West Virginia | 9 | $ 558,000 | $ 62,000 | $ 53,000 |
| McDowell County West Virginia | 8 | $ 347,000 | $ 43,000 | $ 65,000 |
| Cabarrus County North Carolina | 7 | $ 626,000 | $ 89,000 | $ 42,000 |
| Catawba County North Carolina | 7 | $ 1,220,000 | $ 174,000 | $ 31,000 |
| Stokes County North Carolina | 7 | $ 480,000 | $ 68,000 | $ 53,000 |
| Carroll County Virginia | 7 | $ 1,355,000 | $ 193,000 | $ 51,000 |
| Giles County Virginia | 7 | $ 1,294,000 | $ 184,000 | $ 91,000 |
| Hanover County Virginia | 7 | $ 1,871,000 | $ 267,000 | $ 519,000 |
| Greenbrier County West Virginia | 7 | $ 964,000 | $ 137,000 | $ 90,000 |
| Greene County Tennessee | 6 | $ 703,000 | $ 117,000 | $ 112,000 |
| Pulaski County Virginia | 6 | $ 4,200,000 | $ 700,000 | $ 50,000 |
| Monongalia County West Virginia | 6 | $ 1,180,000 | $ 196,000 | $ 117,000 |
| Preston County West Virginia | 6 | $ 261,000 | $ 43,000 | $ 25,000 |
| Davie County North Carolina | 5 | $ 810,000 | $ 162,000 | $ 40,000 |
| Horry County South Carolina | 5 | $ 1,392,000 | $ 278,000 | $ 193,000 |
| Unicoi County Tennessee | 5 | $ 605,000 | $ 121,000 | $ 47,000 |
| Greensville County Virginia | 5 | $ 322,000 | $ 64,000 | $ 53,000 |
| Barbour County West Virginia | 5 | $ 574,000 | $ 114,000 | $ 59,000 |
| Brunswick County North Carolina | 4 | $ 388,000 | $ 97,000 | $ 56,000 |
| Caldwell County North Carolina | 4 | $ 210,000 | $ 52,000 | $ 29,000 |
| Emporia County Virginia | 4 | $ 232,000 | $ 58,000 | $ 22,000 |
| Franklin County Virginia | 4 | $ 1,206,000 | $ 301,000 | $ 187,000 |
| Virginia Beach County Virginia | 4 | $ 845,000 | $ 211,000 | $ 98,000 |
| Harrison County West Virginia | 4 | $ 202,000 | $ 50,000 | $ 13,000 |
| Gaston County North Carolina | 3 | $ 342,000 | $ 114,000 | $ 32,000 |
| Caroline County Virginia | 3 | $ 499,000 | $ 166,000 | $ 74,000 |
| Grayson County Virginia | 3 | $ 125,000 | $ 41,000 | $ 10,000 |
| Montgomery County Virginia | 3 | $ 529,000 | $ 176,000 | $ 62,000 |
| Braxton County West Virginia | 3 | $ 243,000 | $ 81,000 | $ 44,000 |
| Randolph County West Virginia | 3 | $ 147,000 | $ 49,000 | $ 38,000 |
| Lincoln County North Carolina | 2 | $ 278,000 | $ 139,000 | $ 48,000 |
| Northampton County North Carolina | 2 | $ 287,000 | $ 143,000 | $ 122,000 |
| Orange County North Carolina | 2 | $ 1,980,000 | $ 990,000 | $ 646,000 |
| Randolph County North Carolina | 2 | $ 202,000 | $ 101,000 | $ 42,000 |
| Rockingham County North Carolina | 2 | $ 152,000 | $ 76,000 | $ 52,000 |
| Charleston County South Carolina | 2 | $ 787,000 | $ 393,000 | $ 221,000 |
| Laurens County South Carolina | 2 | $ 430,000 | $ 215,000 | $ 72,000 |
| Sevier County Tennessee | 2 | $ 398,000 | $ 199,000 | $ 304,000 |
| Albemarle County Virginia | 2 | $ 1,617,000 | $ 808,000 | $ 817,000 |
| Bedford County Virginia | 2 | $ 245,000 | $ 122,000 | $ 73,000 |
| Brunswick County Virginia | 2 | $ 107,000 | $ 53,000 | $ 89,000 |
| Buchanan County Virginia | 2 | $ 65,000 | $ 32,000 | $ 27,000 |
| Washington County Virginia | 2 | $ 430,000 | $ 215,000 | $ 39,000 |
| Marion County West Virginia | 2 | $ 373,000 | $ 186,000 | $ 95,000 |
| Sonoma County California | 1 | $ 228,000 | $ 228,000 | $ 894,000 |
| District of Columbia County District Of Columbia | 1 | $ 680,000 | $ 680,000 | $ 365,000 |
| Collier County Florida | 1 | $ 189,000 | $ 189,000 | $ 210,000 |
| Hillsborough County Florida | 1 | $ 81,000 | $ 81,000 | $ 120,000 |
| Orange County Florida | 1 | $ 200,000 | $ 200,000 | $ 300,000 |
| Cobb County Georgia | 1 | $ 360,000 | $ 360,000 | $ 365,000 |
| Rabun County Georgia | 1 | $ 266,000 | $ 266,000 | $ 25,000 |
| Johnson County Iowa | 1 | $ 187,000 | $ 187,000 | $ 113,000 |
| Boyd County Kentucky | 1 | $ 150,000 | $ 150,000 | $ 86,000 |
| Allegany County Maryland | 1 | $ 106,000 | $ 106,000 | $ 76,000 |
| Alamance County North Carolina | 1 | $ 46,000 | $ 46,000 | $ 41,000 |
| Cumberland County North Carolina | 1 | $ 98,000 | $ 98,000 | $ 52,000 |
| Dare County North Carolina | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Durham County North Carolina | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Edgecombe County North Carolina | 1 | $ 163,000 | $ 163,000 | $ 25,000 |
| Franklin County North Carolina | 1 | $ 216,000 | $ 216,000 | $ 44,000 |
| Halifax County North Carolina | 1 | $ 8,000 | $ 8,000 | $ 75,000 |
| Harnett County North Carolina | 1 | $ 124,000 | $ 124,000 | $ 83,000 |
| Henderson County North Carolina | 1 | $ 130,000 | $ 130,000 | $ 93,000 |
| New Hanover County North Carolina | 1 | $ 360,000 | $ 360,000 | $ 45,000 |
| Pitt County North Carolina | 1 | $ 838,000 | $ 838,000 | $ 0 |
| Rutherford County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 22,000 |
| Union County North Carolina | 1 | $ 293,000 | $ 293,000 | $ 57,000 |
| Wake County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 74,000 |
| Columbiana County Ohio | 1 | $ 48,000 | $ 48,000 | $ 71,000 |
| Sandusky County Ohio | 1 | $ 94,000 | $ 94,000 | $ 83,000 |
| Dorchester County South Carolina | 1 | $ 100,000 | $ 100,000 | $ 69,000 |
| Greenwood County South Carolina | 1 | $ 456,000 | $ 456,000 | $ 0 |
| Kershaw County South Carolina | 1 | $ 520,000 | $ 520,000 | $ 932,000 |
| York County South Carolina | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Hamblen County Tennessee | 1 | $ 108,000 | $ 108,000 | $ 53,000 |
| Hamilton County Tennessee | 1 | $ 156,000 | $ 156,000 | $ 290,000 |
| Roane County Tennessee | 1 | $ 63,000 | $ 63,000 | $ 31,000 |
| Alexandria County Virginia | 1 | $ 185,000 | $ 185,000 | $ 65,000 |
| Chesapeake County Virginia | 1 | $ 282,000 | $ 282,000 | $ 175,000 |
| Franklin City County Virginia | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Galax County Virginia | 1 | $ 83,000 | $ 83,000 | $ 36,000 |
| Goochland County Virginia | 1 | $ 81,000 | $ 81,000 | $ 61,000 |
| Henry County Virginia | 1 | $ 620,000 | $ 620,000 | $ 0 |
| Louisa County Virginia | 1 | $ 160,000 | $ 160,000 | $ 60,000 |
| Middlesex County Virginia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Patrick County Virginia | 1 | $ 71,000 | $ 71,000 | $ 37,000 |
| Pittsylvania County Virginia | 1 | $ 129,000 | $ 129,000 | $ 67,000 |
| Powhatan County Virginia | 1 | $ 142,000 | $ 142,000 | $ 44,000 |
| Roanoke County Virginia | 1 | $ 53,000 | $ 53,000 | $ 195,000 |
| Russell County Virginia | 1 | $ 158,000 | $ 158,000 | $ 134,000 |
| Scott County Virginia | 1 | $ 63,000 | $ 63,000 | $ 24,000 |
| Smyth County Virginia | 1 | $ 70,000 | $ 70,000 | $ 31,000 |
| Southampton County Virginia | 1 | $ 93,000 | $ 93,000 | $ 76,000 |
| Gilmer County West Virginia | 1 | $ 140,000 | $ 140,000 | $ 37,000 |
| Pocahontas County West Virginia | 1 | $ 33,000 | $ 33,000 | $ 274,000 |
| Tucker County West Virginia | 1 | $ 35,000 | $ 35,000 | $ 19,000 |
Mortgage Loan Application Detail Totals for First Community Bank, N. A. in 2010
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 | 1,118 | $149,535,000 | $133,000 | $2,715,000 | $85,000 | $2,291,000 |
| Home Purchase | 796 | $95,757,000 | $120,000 | $7,300,000 | $66,000 | $729,000 |
| Home Improvement | 146 | $9,882,000 | $67,000 | $530,000 | $63,000 | $447,000 |
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 | 1,814 | $212,964,000 | $117,000 | $2,715,000 | $79,000 | $1,500,000 |
| Not applicable | 117 | $28,161,000 | $240,000 | $7,300,000 | $32,000 | $2,291,000 |
| Black or African American | 46 | $3,597,000 | $78,000 | $393,000 | $63,000 | $437,000 |
| Not Provided | 41 | $6,945,000 | $169,000 | $417,000 | $90,000 | $426,000 |
| Hispanic | 33 | $2,376,000 | $72,000 | $244,000 | $49,000 | $115,000 |
| Asian | 7 | $907,000 | $129,000 | $360,000 | $127,000 | $365,000 |
| American Indian or Alaskan Native | 1 | $84,000 | $84,000 | $84,000 | $43,000 | $43,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $140,000 | $140,000 | $140,000 | $75,000 | $75,000 |
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) | 1,893 | $234,789,000 | $124,000 | $7,300,000 | $78,000 | $2,291,000 |
| FHA-insured (Federal Housing Administration) | 146 | $17,736,000 | $121,000 | $375,000 | $52,000 | $180,000 |
| VA-guaranteed (Veterans Administration) | 21 | $2,649,000 | $126,000 | $350,000 | $47,000 | $144,000 |
| 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 | 1,358 | $178,920,000 | $131,000 | $7,300,000 | $82,000 | $2,291,000 |
| Application Denied By Financial Institution | 380 | $34,751,000 | $91,000 | $530,000 | $54,000 | $360,000 |
| Application Withdrawn By Applicant | 178 | $24,322,000 | $136,000 | $1,200,000 | $88,000 | $1,500,000 |
| Application Approved But Not Accepted | 123 | $13,817,000 | $112,000 | $2,715,000 | $59,000 | $711,000 |
| File Closed For Incompleteness | 21 | $3,364,000 | $160,000 | $375,000 | $106,000 | $616,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 141 | $12,461,000 | $88,000 | $530,000 | $35,000 | $120,000 |
| Credit History | 132 | $8,442,000 | $63,000 | $371,000 | $46,000 | $170,000 |
| Collateral | 49 | $5,622,000 | $114,000 | $400,000 | $69,000 | $183,000 |
| Other | 36 | $5,215,000 | $144,000 | $465,000 | $124,000 | $360,000 |
| Unverifiable Information | 7 | $901,000 | $128,000 | $311,000 | $60,000 | $167,000 |
| Employment History | 6 | $655,000 | $109,000 | $141,000 | $37,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $510,000 | $102,000 | $228,000 | $85,000 | $95,000 |
| Credit Application Incomplete | 4 | $945,000 | $236,000 | $417,000 | $113,000 | $204,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Community Bank, N. A.'s 2010 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.