First Bancorp, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
First Bancorp, Inc. 2009 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 Bancorp, Inc. Po Box 1000 Lebanon, VA 24212 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,558 |
| Total Mortgage Loan Application Amount | $238,053,000 |
| Average Mortgage Loan Application Amount | $119,666 |
| Highest Mortgage Loan Application Amount | $3,767,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $3,825,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 with First Bancorp, Inc.. 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 Bancorp, Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2009 breaks down First Bancorp, Inc.'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 Bancorp, Inc. serves its applicants.
Each category highlights the total number of mortgage applications processed by First Bancorp, Inc., 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 Bancorp, Inc.'s mortgage activity for 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sullivan County Tennessee | 239 | $ 31,947,000 | $ 133,000 | $ 75,000 |
| Washington County Virginia | 212 | $ 28,327,000 | $ 133,000 | $ 70,000 |
| Augusta County Virginia | 166 | $ 30,439,000 | $ 183,000 | $ 72,000 |
| Russell County Virginia | 132 | $ 12,290,000 | $ 93,000 | $ 63,000 |
| Washington County Tennessee | 128 | $ 25,187,000 | $ 196,000 | $ 85,000 |
| Wise County Virginia | 97 | $ 8,454,000 | $ 87,000 | $ 62,000 |
| Montgomery County Virginia | 74 | $ 16,139,000 | $ 218,000 | $ 165,000 |
| Bristol County Virginia | 71 | $ 7,448,000 | $ 104,000 | $ 57,000 |
| Bedford County Virginia | 57 | $ 15,655,000 | $ 274,000 | $ 145,000 |
| Staunton County Virginia | 50 | $ 8,156,000 | $ 163,000 | $ 105,000 |
| Tazewell County Virginia | 36 | $ 5,207,000 | $ 144,000 | $ 68,000 |
| Wythe County Virginia | 24 | $ 2,938,000 | $ 122,000 | $ 70,000 |
| Rockingham County Virginia | 22 | $ 3,786,000 | $ 172,000 | $ 66,000 |
| Carter County Tennessee | 20 | $ 2,473,000 | $ 123,000 | $ 66,000 |
| Pulaski County Virginia | 17 | $ 2,954,000 | $ 173,000 | $ 97,000 |
| Lynchburg County Virginia | 15 | $ 3,295,000 | $ 219,000 | $ 175,000 |
| Campbell County Virginia | 14 | $ 2,465,000 | $ 176,000 | $ 112,000 |
| Waynesboro County Virginia | 14 | $ 2,503,000 | $ 178,000 | $ 161,000 |
| Norton County Virginia | 13 | $ 1,264,000 | $ 97,000 | $ 75,000 |
| Amherst County Virginia | 12 | $ 2,275,000 | $ 189,000 | $ 117,000 |
| Scott County Virginia | 11 | $ 812,000 | $ 73,000 | $ 48,000 |
| Hawkins County Tennessee | 10 | $ 1,388,000 | $ 138,000 | $ 51,000 |
| Buchanan County Virginia | 9 | $ 739,000 | $ 82,000 | $ 73,000 |
| Smyth County Virginia | 9 | $ 1,010,000 | $ 112,000 | $ 82,000 |
| Nelson County Virginia | 8 | $ 1,994,000 | $ 249,000 | $ 297,000 |
| Rockbridge County Virginia | 7 | $ 1,402,000 | $ 200,000 | $ 206,000 |
| Greene County Tennessee | 5 | $ 820,000 | $ 164,000 | $ 93,000 |
| Giles County Virginia | 5 | $ 803,000 | $ 160,000 | $ 60,000 |
| Carroll County Virginia | 4 | $ 548,000 | $ 137,000 | $ 78,000 |
| Franklin County Virginia | 4 | $ 1,217,000 | $ 304,000 | $ 359,000 |
| Page County Virginia | 4 | $ 951,000 | $ 237,000 | $ 84,000 |
| Johnson County Tennessee | 3 | $ 405,000 | $ 135,000 | $ 67,000 |
| Sevier County Tennessee | 3 | $ 410,000 | $ 136,000 | $ 99,000 |
| Albemarle County Virginia | 3 | $ 717,000 | $ 239,000 | $ 214,000 |
| Bland County Virginia | 3 | $ 430,000 | $ 143,000 | $ 61,000 |
| Roanoke City County Virginia | 3 | $ 1,039,000 | $ 346,000 | $ 28,000 |
| Jefferson County Tennessee | 2 | $ 519,000 | $ 259,000 | $ 64,000 |
| Knox County Tennessee | 2 | $ 196,000 | $ 98,000 | $ 1,330,000 |
| Unicoi County Tennessee | 2 | $ 207,000 | $ 103,000 | $ 40,000 |
| Charlottesville County Virginia | 2 | $ 307,000 | $ 153,000 | $ 137,000 |
| Floyd County Virginia | 2 | $ 330,000 | $ 165,000 | $ 101,000 |
| Grayson County Virginia | 2 | $ 159,000 | $ 79,000 | $ 95,000 |
| Harrisonburg County Virginia | 2 | $ 359,000 | $ 179,000 | $ 15,000 |
| Henrico County Virginia | 2 | $ 664,000 | $ 332,000 | $ 211,000 |
| Prince William County Virginia | 2 | $ 256,000 | $ 128,000 | $ 137,000 |
| Radford County Virginia | 2 | $ 217,000 | $ 108,000 | $ 41,000 |
| Roanoke County Virginia | 2 | $ 534,000 | $ 267,000 | $ 46,000 |
| Baldwin County Alabama | 1 | $ 407,000 | $ 407,000 | $ 93,000 |
| Pima County Arizona | 1 | $ 154,000 | $ 154,000 | $ 37,000 |
| Hillsborough County Florida | 1 | $ 191,000 | $ 191,000 | $ 226,000 |
| Volusia County Florida | 1 | $ 160,000 | $ 160,000 | $ 163,000 |
| Acadia County Louisiana | 1 | $ 314,000 | $ 314,000 | $ 268,000 |
| Cayuga County New York | 1 | $ 500,000 | $ 500,000 | $ 2,819,000 |
| Avery County North Carolina | 1 | $ 166,000 | $ 166,000 | $ 80,000 |
| Caldwell County North Carolina | 1 | $ 133,000 | $ 133,000 | $ 80,000 |
| Franklin County North Carolina | 1 | $ 186,000 | $ 186,000 | $ 154,000 |
| Rutherford County North Carolina | 1 | $ 333,000 | $ 333,000 | $ 45,000 |
| Wake County North Carolina | 1 | $ 138,000 | $ 138,000 | $ 74,000 |
| Bradley County Tennessee | 1 | $ 101,000 | $ 101,000 | $ 41,000 |
| Cumberland County Tennessee | 1 | $ 290,000 | $ 290,000 | $ 113,000 |
| Davidson County Tennessee | 1 | $ 87,000 | $ 87,000 | $ 30,000 |
| Hamblen County Tennessee | 1 | $ 116,000 | $ 116,000 | $ 38,000 |
| Hamilton County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
| Henderson County Tennessee | 1 | $ 70,000 | $ 70,000 | $ 42,000 |
| Sumner County Tennessee | 1 | $ 338,000 | $ 338,000 | $ 64,000 |
| Alleghany County Virginia | 1 | $ 63,000 | $ 63,000 | $ 14,000 |
| Botetourt County Virginia | 1 | $ 417,000 | $ 417,000 | $ 227,000 |
| Craig County Virginia | 1 | $ 110,000 | $ 110,000 | $ 74,000 |
| Dickenson County Virginia | 1 | $ 100,000 | $ 100,000 | $ 35,000 |
| Frederick County Virginia | 1 | $ 140,000 | $ 140,000 | $ 106,000 |
| Galax County Virginia | 1 | $ 141,000 | $ 141,000 | $ 39,000 |
| Hanover County Virginia | 1 | $ 290,000 | $ 290,000 | $ 216,000 |
| Henry County Virginia | 1 | $ 55,000 | $ 55,000 | $ 194,000 |
| Lee County Virginia | 1 | $ 112,000 | $ 112,000 | $ 73,000 |
| Lexington County Virginia | 1 | $ 175,000 | $ 175,000 | $ 330,000 |
| Pittsylvania County Virginia | 1 | $ 359,000 | $ 359,000 | $ 309,000 |
| Shenandoah County Virginia | 1 | $ 133,000 | $ 133,000 | $ 82,000 |
| Harrison County West Virginia | 1 | $ 234,000 | $ 234,000 | $ 59,000 |
| Pocahontas County West Virginia | 1 | $ 240,000 | $ 240,000 | $ 97,000 |
Mortgage Loan Application Detail Totals for First Bancorp, Inc. in 2009
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 | 1,117 | $186,475,000 | $166,000 | $3,767,000 | $87,000 | $2,819,000 |
| Home Purchase | 321 | $45,142,000 | $140,000 | $1,976,000 | $96,000 | $2,593,000 |
| Home Improvement | 120 | $6,436,000 | $53,000 | $2,000,000 | $81,000 | $3,825,000 |
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 | 1,424 | $213,488,000 | $149,000 | $3,767,000 | $85,000 | $3,825,000 |
| Not Provided | 81 | $13,461,000 | $166,000 | $417,000 | $93,000 | $501,000 |
| Not applicable | 33 | $8,400,000 | $254,000 | $1,976,000 | $241,000 | $2,593,000 |
| Black or African American | 9 | $1,506,000 | $167,000 | $417,000 | $117,000 | $400,000 |
| Hispanic | 7 | $881,000 | $125,000 | $292,000 | $77,000 | $135,000 |
| Asian | 3 | $261,000 | $87,000 | $110,000 | $49,000 | $78,000 |
| American Indian or Alaskan Native | 1 | $56,000 | $56,000 | $56,000 | $31,000 | $31,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 1,558 | $238,053,000 | $152,000 | $3,767,000 | $89,000 | $3,825,000 |
| 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 | 1,296 | $201,755,000 | $155,000 | $3,767,000 | $93,000 | $3,825,000 |
| Application Denied By Financial Institution | 173 | $22,333,000 | $129,000 | $417,000 | $60,000 | $617,000 |
| Application Withdrawn By Applicant | 77 | $11,997,000 | $155,000 | $407,000 | $84,000 | $284,000 |
| Application Approved But Not Accepted | 11 | $1,918,000 | $174,000 | $417,000 | $112,000 | $330,000 |
| File Closed For Incompleteness | 1 | $50,000 | $50,000 | $50,000 | $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 | 65 | $6,570,000 | $101,000 | $344,000 | $57,000 | $221,000 |
| Debt-To-Income Ratio | 64 | $9,419,000 | $147,000 | $333,000 | $51,000 | $140,000 |
| Other | 27 | $3,917,000 | $145,000 | $417,000 | $83,000 | $617,000 |
| Collateral | 7 | $1,050,000 | $150,000 | $247,000 | $72,000 | $152,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $648,000 | $129,000 | $188,000 | $44,000 | $114,000 |
| Mortgage Insurance Denied | 5 | $729,000 | $145,000 | $280,000 | $70,000 | $120,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bancorp, Inc.'s 2009 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 Bancorp, Inc.'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.