First Bancorp, Inc. 2021 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 | 1,679 |
Total Mortgage Loan Application Amount | $350,235,000 |
Average Mortgage Loan Application Amount | $168,200 |
Highest Mortgage Loan Application Amount | $2,405,000 |
Average Applicant Income | $140,000 |
Highest Applicant Income | $2,315,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
---|---|---|---|---|
Alamance County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 143,000 |
Albemarle County Virginia | 11 | $ 7,345,000 | $ 667,000 | $ 168,000 |
Amelia County Virginia | 1 | $ 255,000 | $ 255,000 | $ 153,000 |
Amherst County Virginia | 32 | $ 6,140,000 | $ 191,000 | $ 102,000 |
Anderson County Tennessee | 2 | $ 200,000 | $ 100,000 | $ 0 |
Appomattox County Virginia | 4 | $ 600,000 | $ 150,000 | $ 203,000 |
Ashe County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 322,000 |
Augusta County Virginia | 71 | $ 16,505,000 | $ 232,000 | $ 110,000 |
Bedford County Virginia | 90 | $ 23,620,000 | $ 262,000 | $ 160,000 |
Berkeley County West Virginia | 1 | $ 385,000 | $ 385,000 | $ 100,000 |
Bland County Virginia | 3 | $ 395,000 | $ 131,000 | $ 95,000 |
Blount County Tennessee | 3 | $ 945,000 | $ 315,000 | $ 100,000 |
Botetourt County Virginia | 5 | $ 1,225,000 | $ 245,000 | $ 144,000 |
Bradley County Tennessee | 1 | $ 235,000 | $ 235,000 | $ 46,000 |
Bristol County Virginia | 63 | $ 8,625,000 | $ 136,000 | $ 85,000 |
Brunswick County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 162,000 |
Buchanan County Virginia | 6 | $ 570,000 | $ 95,000 | $ 53,000 |
Buckingham County Virginia | 1 | $ 545,000 | $ 545,000 | $ 405,000 |
Buena Vista County Virginia | 1 | $ 235,000 | $ 235,000 | $ 170,000 |
Buncombe County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 42,000 |
Burke County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 80,000 |
Calvert County Maryland | 1 | $ 335,000 | $ 335,000 | $ 80,000 |
Campbell County Virginia | 30 | $ 8,220,000 | $ 274,000 | $ 172,000 |
Caroline County Virginia | 2 | $ 420,000 | $ 210,000 | $ 76,000 |
Carroll County Virginia | 5 | $ 1,215,000 | $ 243,000 | $ 128,000 |
Carter County Tennessee | 7 | $ 1,445,000 | $ 206,000 | $ 111,000 |
Charles City County Virginia | 1 | $ 275,000 | $ 275,000 | $ 116,000 |
Charlottesville County Virginia | 2 | $ 900,000 | $ 450,000 | $ 22,000 |
Chesterfield County Virginia | 10 | $ 2,390,000 | $ 239,000 | $ 85,000 |
Clarke County Virginia | 1 | $ 145,000 | $ 145,000 | $ 162,000 |
Cocke County Tennessee | 1 | $ 245,000 | $ 245,000 | $ 0 |
Craig County Virginia | 2 | $ 600,000 | $ 300,000 | $ 92,000 |
Currituck County North Carolina | 1 | $ 445,000 | $ 445,000 | $ 221,000 |
Danville County Virginia | 1 | $ 205,000 | $ 205,000 | $ 72,000 |
Dickenson County Virginia | 7 | $ 785,000 | $ 112,000 | $ 60,000 |
Durham County North Carolina | 1 | $ 355,000 | $ 355,000 | $ 128,000 |
Fairfax County Virginia | 3 | $ 2,555,000 | $ 851,000 | $ 262,000 |
Fauquier County Virginia | 3 | $ 2,225,000 | $ 741,000 | $ 341,000 |
Flagler County Florida | 1 | $ 405,000 | $ 405,000 | $ 275,000 |
Floyd County Virginia | 15 | $ 3,505,000 | $ 233,000 | $ 116,000 |
Fluvanna County Virginia | 1 | $ 205,000 | $ 205,000 | $ 65,000 |
Forsyth County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 0 |
Franklin County Ohio | 1 | $ 335,000 | $ 335,000 | $ 100,000 |
Franklin County Virginia | 52 | $ 10,590,000 | $ 203,000 | $ 88,000 |
Frederick County Virginia | 2 | $ 460,000 | $ 230,000 | $ 67,000 |
Fulton County Georgia | 1 | $ 555,000 | $ 555,000 | $ 131,000 |
Giles County Virginia | 7 | $ 1,345,000 | $ 192,000 | $ 123,000 |
Gloucester County Virginia | 1 | $ 65,000 | $ 65,000 | $ 179,000 |
Goochland County Virginia | 5 | $ 1,245,000 | $ 249,000 | $ 72,000 |
Grainger County Tennessee | 1 | $ 245,000 | $ 245,000 | $ 145,000 |
Grayson County Virginia | 2 | $ 260,000 | $ 130,000 | $ 79,000 |
Greenbrier County West Virginia | 1 | $ 125,000 | $ 125,000 | $ 535,000 |
Greene County Tennessee | 7 | $ 1,085,000 | $ 155,000 | $ 97,000 |
Greenville County South Carolina | 2 | $ 580,000 | $ 290,000 | $ 125,000 |
Halifax County Virginia | 5 | $ 695,000 | $ 139,000 | $ 203,000 |
Hamblen County Tennessee | 12 | $ 2,050,000 | $ 170,000 | $ 75,000 |
Hamilton County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 0 |
Hampshire County West Virginia | 1 | $ 165,000 | $ 165,000 | $ 68,000 |
Hampton County Virginia | 1 | $ 55,000 | $ 55,000 | $ 58,000 |
Hancock County Tennessee | 1 | $ 455,000 | $ 455,000 | $ 360,000 |
Hanover County Virginia | 9 | $ 3,045,000 | $ 338,000 | $ 126,000 |
Harlan County Kentucky | 1 | $ 185,000 | $ 185,000 | $ 95,000 |
Harrisonburg County Virginia | 5 | $ 895,000 | $ 179,000 | $ 49,000 |
Hawkins County Tennessee | 19 | $ 3,195,000 | $ 168,000 | $ 90,000 |
Henrico County Virginia | 3 | $ 975,000 | $ 325,000 | $ 216,000 |
Henry County Virginia | 2 | $ 370,000 | $ 185,000 | $ 78,000 |
Horry County South Carolina | 3 | $ 625,000 | $ 208,000 | $ 171,000 |
Iredell County North Carolina | 2 | $ 250,000 | $ 125,000 | $ 116,000 |
Isle of Wight County Virginia | 2 | $ 390,000 | $ 195,000 | $ 155,000 |
Jefferson County Tennessee | 2 | $ 860,000 | $ 430,000 | $ 107,000 |
King and Queen County Virginia | 3 | $ 845,000 | $ 281,000 | $ 146,000 |
King William County Virginia | 3 | $ 335,000 | $ 111,000 | $ 65,000 |
Knox County Tennessee | 2 | $ 1,660,000 | $ 830,000 | $ 38,000 |
Lee County Virginia | 3 | $ 605,000 | $ 201,000 | $ 98,000 |
Letcher County Kentucky | 1 | $ 125,000 | $ 125,000 | $ 49,000 |
Lexington County Virginia | 1 | $ 135,000 | $ 135,000 | $ 0 |
Loudoun County Virginia | 3 | $ 1,195,000 | $ 398,000 | $ 460,000 |
Louisa County Virginia | 3 | $ 545,000 | $ 181,000 | $ 218,000 |
Lunenburg County Virginia | 1 | $ 35,000 | $ 35,000 | $ 18,000 |
Lynchburg County Virginia | 46 | $ 8,220,000 | $ 178,000 | $ 153,000 |
Madison County Virginia | 1 | $ 175,000 | $ 175,000 | $ 89,000 |
McMinn County Tennessee | 2 | $ 850,000 | $ 425,000 | $ 159,000 |
Mecklenburg County Virginia | 1 | $ 115,000 | $ 115,000 | $ 21,000 |
Middlesex County Virginia | 2 | $ 530,000 | $ 265,000 | $ 301,000 |
Montgomery County Virginia | 83 | $ 18,605,000 | $ 224,000 | $ 134,000 |
Nash County North Carolina | 4 | $ 1,110,000 | $ 277,000 | $ 151,000 |
Nelson County Virginia | 10 | $ 2,190,000 | $ 219,000 | $ 156,000 |
New Hanover County North Carolina | 2 | $ 750,000 | $ 375,000 | $ 120,000 |
New Kent County Virginia | 3 | $ 765,000 | $ 255,000 | $ 65,000 |
Norfolk County Virginia | 1 | $ 245,000 | $ 245,000 | $ 102,000 |
Northumberland County Virginia | 1 | $ 255,000 | $ 255,000 | $ 56,000 |
Norton County Virginia | 11 | $ 885,000 | $ 80,000 | $ 45,000 |
Page County Virginia | 1 | $ 175,000 | $ 175,000 | $ 153,000 |
Patrick County Virginia | 4 | $ 510,000 | $ 127,000 | $ 86,000 |
Pittsylvania County Virginia | 6 | $ 820,000 | $ 136,000 | $ 69,000 |
Pocahontas County West Virginia | 1 | $ 305,000 | $ 305,000 | $ 470,000 |
Powhatan County Virginia | 1 | $ 115,000 | $ 115,000 | $ 134,000 |
Prince Edward County Virginia | 1 | $ 455,000 | $ 455,000 | $ 129,000 |
Prince George's County Maryland | 3 | $ 515,000 | $ 171,000 | $ 164,000 |
Pulaski County Virginia | 16 | $ 3,560,000 | $ 222,000 | $ 110,000 |
Radford County Virginia | 10 | $ 1,670,000 | $ 167,000 | $ 77,000 |
Rappahannock County Virginia | 1 | $ 145,000 | $ 145,000 | $ 57,000 |
Richmond City County Virginia | 7 | $ 2,875,000 | $ 410,000 | $ 181,000 |
Richmond County Virginia | 1 | $ 215,000 | $ 215,000 | $ 55,000 |
Roane County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 119,000 |
Roanoke City County Virginia | 13 | $ 2,405,000 | $ 185,000 | $ 70,000 |
Roanoke County Virginia | 11 | $ 2,185,000 | $ 198,000 | $ 111,000 |
Rockbridge County Virginia | 6 | $ 1,590,000 | $ 265,000 | $ 81,000 |
Rockingham County Virginia | 44 | $ 8,550,000 | $ 194,000 | $ 84,000 |
Russell County Virginia | 70 | $ 9,130,000 | $ 130,000 | $ 71,000 |
Salem County Virginia | 3 | $ 555,000 | $ 185,000 | $ 67,000 |
Sampson County North Carolina | 1 | $ 385,000 | $ 385,000 | $ 243,000 |
Scott County Virginia | 12 | $ 2,260,000 | $ 188,000 | $ 97,000 |
Sevier County Tennessee | 5 | $ 1,695,000 | $ 339,000 | $ 194,000 |
Shelby County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 185,000 |
Shenandoah County Virginia | 11 | $ 2,455,000 | $ 223,000 | $ 174,000 |
Smyth County Virginia | 37 | $ 6,405,000 | $ 173,000 | $ 84,000 |
Southampton County Virginia | 1 | $ 185,000 | $ 185,000 | $ 151,000 |
Staunton County Virginia | 14 | $ 2,490,000 | $ 177,000 | $ 72,000 |
Stokes County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 125,000 |
Sullivan County Tennessee | 151 | $ 27,995,000 | $ 185,000 | $ 106,000 |
Surry County North Carolina | 9 | $ 2,205,000 | $ 245,000 | $ 105,000 |
Sussex County Virginia | 1 | $ 105,000 | $ 105,000 | $ 49,000 |
Tazewell County Virginia | 24 | $ 4,080,000 | $ 170,000 | $ 141,000 |
Unicoi County Tennessee | 3 | $ 495,000 | $ 165,000 | $ 95,000 |
Union County Georgia | 1 | $ 475,000 | $ 475,000 | $ 139,000 |
Union County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 45,000 |
Virginia Beach County Virginia | 1 | $ 155,000 | $ 155,000 | $ 95,000 |
Wake County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 538,000 |
Walton County Florida | 1 | $ 245,000 | $ 245,000 | $ 177,000 |
Warren County Virginia | 2 | $ 600,000 | $ 300,000 | $ 91,000 |
Washington County Tennessee | 65 | $ 14,205,000 | $ 218,000 | $ 173,000 |
Washington County Virginia | 289 | $ 62,625,000 | $ 216,000 | $ 115,000 |
Waynesboro County Virginia | 10 | $ 2,050,000 | $ 205,000 | $ 50,000 |
Wilkes County North Carolina | 2 | $ 280,000 | $ 140,000 | $ 0 |
Winchester County Virginia | 1 | $ 185,000 | $ 185,000 | $ 60,000 |
Wise County Virginia | 62 | $ 8,160,000 | $ 131,000 | $ 79,000 |
Wythe County Virginia | 35 | $ 6,105,000 | $ 174,000 | $ 90,000 |
Yadkin County North Carolina | 3 | $ 315,000 | $ 105,000 | $ 70,000 |
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 | 878 | $194,450,000 | $221,000 | $2,405,000 | $122,000 | $2,315,000 |
Refinancing | 456 | $92,620,000 | $203,000 | $1,525,000 | $108,000 | $844,000 |
Cash-out Refinancing | 301 | $58,105,000 | $193,000 | $545,000 | $100,000 | $538,000 |
Other Purpose | 28 | $3,400,000 | $121,000 | $465,000 | $117,000 | $458,000 |
Home Improvement | 16 | $1,660,000 | $103,000 | $305,000 | $253,000 | $2,228,000 |
Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,337 | $276,905,000 | $207,000 | $2,105,000 | $111,000 | $1,209,000 |
Not Provided | 164 | $36,230,000 | $220,000 | $2,405,000 | $113,000 | $668,000 |
Not applicable | 134 | $26,370,000 | $196,000 | $1,525,000 | $0 | $0 |
Black or African American | 20 | $5,100,000 | $255,000 | $755,000 | $263,000 | $2,315,000 |
Hispanic | 17 | $4,005,000 | $235,000 | $485,000 | $119,000 | $368,000 |
Asian | 7 | $1,625,000 | $232,000 | $525,000 | $564,000 | $2,228,000 |
American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 1,672 | $348,910,000 | $208,000 | $2,405,000 | $116,000 | $2,315,000 |
FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $570,000 | $142,000 | $185,000 | $43,000 | $60,000 |
FHA-insured (Federal Housing Administration) | 2 | $400,000 | $200,000 | $285,000 | $98,000 | $130,000 |
VA-guaranteed (Veterans Administration) | 1 | $355,000 | $355,000 | $355,000 | $128,000 | $128,000 |
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 | 1,319 | $269,495,000 | $204,000 | $2,105,000 | $116,000 | $2,315,000 |
Application Approved But Not Accepted | 212 | $46,540,000 | $219,000 | $545,000 | $109,000 | $600,000 |
Application Withdrawn By Applicant | 98 | $23,930,000 | $244,000 | $2,405,000 | $133,000 | $941,000 |
Application Denied By Financial Institution | 46 | $9,530,000 | $207,000 | $1,005,000 | $78,000 | $324,000 |
File Closed For Incompleteness | 2 | $400,000 | $200,000 | $285,000 | $118,000 | $118,000 |
Loan Purchased By The Institution | 2 | $340,000 | $170,000 | $185,000 | $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 |
---|---|---|---|---|---|---|
Not applicable | 1,633 | $340,705,000 | $208,000 | $2,405,000 | $117,000 | $2,315,000 |
Credit History | 18 | $3,310,000 | $183,000 | $465,000 | $75,000 | $167,000 |
Debt-To-Income Ratio | 15 | $3,895,000 | $259,000 | $1,005,000 | $72,000 | $324,000 |
Unverifiable Information | 7 | $1,325,000 | $189,000 | $295,000 | $77,000 | $144,000 |
Collateral | 4 | $760,000 | $190,000 | $385,000 | $122,000 | $308,000 |
Employment History | 1 | $135,000 | $135,000 | $135,000 | $63,000 | $63,000 |
Insufficient Cash (Downpayment, Closing Cost) | 1 | $105,000 | $105,000 | $105,000 | $44,000 | $44,000 |
Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bancorp, Inc.'s 2021 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.
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