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- Data Updated through 2023
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 |
|---|---|---|---|---|
| Albemarle County Virginia | 2 | $ 688,000 | $ 344,000 | $ 150,000 |
| Alexander County North Carolina | 38 | $ 3,673,000 | $ 96,000 | $ 69,000 |
| Alleghany County North Carolina | 20 | $ 1,349,000 | $ 67,000 | $ 61,000 |
| Allegheny County Pennsylvania | 2 | $ 176,000 | $ 88,000 | $ 43,000 |
| Amelia County Virginia | 1 | $ 44,000 | $ 44,000 | $ 60,000 |
| Augusta County Virginia | 2 | $ 47,000 | $ 23,000 | $ 61,000 |
| Barbour County West Virginia | 15 | $ 869,000 | $ 57,000 | $ 49,000 |
| Bath County Virginia | 1 | $ 66,000 | $ 66,000 | $ 98,000 |
| Bland County Virginia | 21 | $ 2,093,000 | $ 99,000 | $ 65,000 |
| Boone County West Virginia | 1 | $ 20,000 | $ 20,000 | $ 54,000 |
| Braxton County West Virginia | 3 | $ 157,000 | $ 52,000 | $ 45,000 |
| Bristol County Virginia | 3 | $ 272,000 | $ 90,000 | $ 43,000 |
| Brunswick County North Carolina | 2 | $ 692,000 | $ 346,000 | $ 48,000 |
| Buchanan County Virginia | 4 | $ 120,000 | $ 30,000 | $ 42,000 |
| Cabell County West Virginia | 2 | $ 239,000 | $ 119,000 | $ 31,000 |
| Calhoun County West Virginia | 1 | $ 100,000 | $ 100,000 | $ 110,000 |
| Caroline County Virginia | 12 | $ 1,768,000 | $ 147,000 | $ 87,000 |
| Carroll County Virginia | 2 | $ 370,000 | $ 185,000 | $ 152,000 |
| Carter County Tennessee | 18 | $ 2,111,000 | $ 117,000 | $ 64,000 |
| Catawba County North Carolina | 4 | $ 877,000 | $ 219,000 | $ 74,000 |
| Chesapeake County Virginia | 1 | $ 287,000 | $ 287,000 | $ 213,000 |
| Chesterfield County Virginia | 18 | $ 2,739,000 | $ 152,000 | $ 120,000 |
| Clay County West Virginia | 2 | $ 29,000 | $ 14,000 | $ 40,000 |
| Dare County North Carolina | 1 | $ 354,000 | $ 354,000 | $ 0 |
| Davidson County North Carolina | 13 | $ 1,692,000 | $ 130,000 | $ 75,000 |
| Davie County North Carolina | 2 | $ 186,000 | $ 93,000 | $ 41,000 |
| Dickenson County Virginia | 13 | $ 602,000 | $ 46,000 | $ 55,000 |
| Dinwiddie County Virginia | 1 | $ 154,000 | $ 154,000 | $ 57,000 |
| Doddridge County West Virginia | 2 | $ 65,000 | $ 32,000 | $ 33,000 |
| Emporia County Virginia | 23 | $ 1,067,000 | $ 46,000 | $ 62,000 |
| Essex County Virginia | 2 | $ 222,000 | $ 111,000 | $ 77,000 |
| Fayette County West Virginia | 27 | $ 1,849,000 | $ 68,000 | $ 62,000 |
| Fluvanna County Virginia | 1 | $ 59,000 | $ 59,000 | $ 84,000 |
| Forsyth County North Carolina | 42 | $ 5,609,000 | $ 133,000 | $ 84,000 |
| Franklin County Virginia | 1 | $ 70,000 | $ 70,000 | $ 31,000 |
| Fredericksburg County Virginia | 2 | $ 770,000 | $ 385,000 | $ 0 |
| Galax County Virginia | 1 | $ 44,000 | $ 44,000 | $ 0 |
| Giles County Virginia | 4 | $ 301,000 | $ 75,000 | $ 67,000 |
| Gilmer County West Virginia | 1 | $ 5,000 | $ 5,000 | $ 18,000 |
| Gloucester County Virginia | 1 | $ 248,000 | $ 248,000 | $ 144,000 |
| Goochland County Virginia | 1 | $ 205,000 | $ 205,000 | $ 42,000 |
| Grayson County Virginia | 2 | $ 388,000 | $ 194,000 | $ 1,293,000 |
| Greenbrier County West Virginia | 12 | $ 709,000 | $ 59,000 | $ 66,000 |
| Greene County Tennessee | 2 | $ 145,000 | $ 72,000 | $ 52,000 |
| Greensville County Virginia | 29 | $ 1,295,000 | $ 44,000 | $ 50,000 |
| Guilford County North Carolina | 2 | $ 224,000 | $ 112,000 | $ 77,000 |
| Halifax County North Carolina | 1 | $ 38,000 | $ 38,000 | $ 55,000 |
| Hamblen County Tennessee | 1 | $ 68,000 | $ 68,000 | $ 27,000 |
| Hampshire County West Virginia | 1 | $ 84,000 | $ 84,000 | $ 77,000 |
| Hanover County Virginia | 6 | $ 1,047,000 | $ 174,000 | $ 98,000 |
| Harrison County West Virginia | 13 | $ 1,455,000 | $ 111,000 | $ 70,000 |
| Harrisonburg County Virginia | 2 | $ 274,000 | $ 137,000 | $ 133,000 |
| Hawkins County Tennessee | 3 | $ 246,000 | $ 82,000 | $ 49,000 |
| Henrico County Virginia | 25 | $ 4,534,000 | $ 181,000 | $ 98,000 |
| Hillsborough County Florida | 1 | $ 222,000 | $ 222,000 | $ 201,000 |
| Horry County South Carolina | 3 | $ 1,065,000 | $ 355,000 | $ 243,000 |
| Indian River County Florida | 1 | $ 120,000 | $ 120,000 | $ 82,000 |
| Iredell County North Carolina | 2 | $ 373,000 | $ 186,000 | $ 90,000 |
| Jefferson County Kentucky | 1 | $ 84,000 | $ 84,000 | $ 50,000 |
| Johnson County Tennessee | 1 | $ 180,000 | $ 180,000 | $ 58,000 |
| Kanawha County West Virginia | 7 | $ 938,000 | $ 134,000 | $ 152,000 |
| Knox County Tennessee | 2 | $ 234,000 | $ 117,000 | $ 103,000 |
| Lawrence County Ohio | 1 | $ 100,000 | $ 100,000 | $ 33,000 |
| Lewis County West Virginia | 23 | $ 952,000 | $ 41,000 | $ 57,000 |
| Lexington County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 96,000 |
| Logan County West Virginia | 82 | $ 2,683,000 | $ 32,000 | $ 53,000 |
| Marion County West Virginia | 3 | $ 88,000 | $ 29,000 | $ 65,000 |
| McDowell County West Virginia | 18 | $ 254,000 | $ 14,000 | $ 38,000 |
| Mecklenburg County North Carolina | 1 | $ 252,000 | $ 252,000 | $ 75,000 |
| Mercer County West Virginia | 586 | $ 31,486,000 | $ 53,000 | $ 56,000 |
| Mineral County West Virginia | 1 | $ 47,000 | $ 47,000 | $ 178,000 |
| Mingo County West Virginia | 11 | $ 300,000 | $ 27,000 | $ 58,000 |
| Monongalia County West Virginia | 6 | $ 1,761,000 | $ 293,000 | $ 161,000 |
| Monroe County West Virginia | 30 | $ 2,070,000 | $ 69,000 | $ 47,000 |
| Montgomery County Virginia | 5 | $ 559,000 | $ 111,000 | $ 20,000 |
| Nelson County Virginia | 1 | $ 310,000 | $ 310,000 | $ 149,000 |
| New Kent County Virginia | 2 | $ 271,000 | $ 135,000 | $ 156,000 |
| Newport News County Virginia | 1 | $ 170,000 | $ 170,000 | $ 161,000 |
| Nicholas County West Virginia | 165 | $ 7,098,000 | $ 43,000 | $ 52,000 |
| Northampton County North Carolina | 2 | $ 192,000 | $ 96,000 | $ 74,000 |
| Norton County Virginia | 1 | $ 85,000 | $ 85,000 | $ 70,000 |
| Nottoway County Virginia | 1 | $ 32,000 | $ 32,000 | $ 25,000 |
| Okaloosa County Florida | 1 | $ 5,000 | $ 5,000 | $ 72,000 |
| Oldham County Kentucky | 1 | $ 355,000 | $ 355,000 | $ 148,000 |
| Orange County Virginia | 1 | $ 85,000 | $ 85,000 | $ 145,000 |
| Park County Wyoming | 1 | $ 105,000 | $ 105,000 | $ 32,000 |
| Patrick County Virginia | 1 | $ 141,000 | $ 141,000 | $ 94,000 |
| Pittsylvania County Virginia | 1 | $ 104,000 | $ 104,000 | $ 38,000 |
| Pocahontas County West Virginia | 2 | $ 408,000 | $ 204,000 | $ 115,000 |
| Preston County West Virginia | 4 | $ 158,000 | $ 39,000 | $ 78,000 |
| Pulaski County Virginia | 4 | $ 1,349,000 | $ 337,000 | $ 140,000 |
| Putnam County West Virginia | 1 | $ 360,000 | $ 360,000 | $ 174,000 |
| Raleigh County West Virginia | 160 | $ 14,218,000 | $ 88,000 | $ 80,000 |
| Randolph County North Carolina | 2 | $ 372,000 | $ 186,000 | $ 27,000 |
| Randolph County West Virginia | 9 | $ 415,000 | $ 46,000 | $ 58,000 |
| Richmond City County Virginia | 26 | $ 5,059,000 | $ 194,000 | $ 121,000 |
| Roane County West Virginia | 1 | $ 23,000 | $ 23,000 | $ 33,000 |
| Roanoke City County Virginia | 4 | $ 711,000 | $ 177,000 | $ 47,000 |
| Roanoke County Virginia | 5 | $ 1,473,000 | $ 294,000 | $ 81,000 |
| Rockbridge County Virginia | 2 | $ 340,000 | $ 170,000 | $ 94,000 |
| Rockingham County North Carolina | 1 | $ 210,000 | $ 210,000 | $ 120,000 |
| Rockingham County Virginia | 3 | $ 506,000 | $ 168,000 | $ 135,000 |
| Rowan County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 21,000 |
| Russell County Virginia | 4 | $ 226,000 | $ 56,000 | $ 31,000 |
| Salem County Virginia | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Sarasota County Florida | 1 | $ 1,900,000 | $ 1,900,000 | $ 571,000 |
| Scott County Virginia | 3 | $ 137,000 | $ 45,000 | $ 48,000 |
| Sevier County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Smyth County Virginia | 1 | $ 250,000 | $ 250,000 | $ 168,000 |
| Southampton County Virginia | 4 | $ 81,000 | $ 20,000 | $ 41,000 |
| St. Johns County Florida | 2 | $ 702,000 | $ 351,000 | $ 152,000 |
| St. Mary's County Maryland | 1 | $ 159,000 | $ 159,000 | $ 53,000 |
| Stafford County Virginia | 1 | $ 40,000 | $ 40,000 | $ 212,000 |
| Stokes County North Carolina | 1 | $ 28,000 | $ 28,000 | $ 37,000 |
| Sullivan County Tennessee | 28 | $ 3,497,000 | $ 124,000 | $ 48,000 |
| Summers County West Virginia | 39 | $ 2,616,000 | $ 67,000 | $ 67,000 |
| Surry County North Carolina | 23 | $ 2,358,000 | $ 102,000 | $ 72,000 |
| Taylor County West Virginia | 83 | $ 4,603,000 | $ 55,000 | $ 45,000 |
| Tazewell County Virginia | 159 | $ 12,320,000 | $ 77,000 | $ 92,000 |
| Tucker County West Virginia | 1 | $ 360,000 | $ 360,000 | $ 240,000 |
| Unicoi County Tennessee | 2 | $ 335,000 | $ 167,000 | $ 183,000 |
| Upshur County West Virginia | 254 | $ 16,677,000 | $ 65,000 | $ 62,000 |
| Wake County North Carolina | 2 | $ 467,000 | $ 233,000 | $ 178,000 |
| Walton County Florida | 1 | $ 674,000 | $ 674,000 | $ 0 |
| Warren County North Carolina | 1 | $ 113,000 | $ 113,000 | $ 127,000 |
| Washington County Tennessee | 85 | $ 10,540,000 | $ 124,000 | $ 75,000 |
| Washington County Virginia | 2 | $ 359,000 | $ 179,000 | $ 81,000 |
| Wayne County West Virginia | 1 | $ 12,000 | $ 12,000 | $ 48,000 |
| Webster County West Virginia | 45 | $ 1,157,000 | $ 25,000 | $ 49,000 |
| Wetzel County West Virginia | 1 | $ 16,000 | $ 16,000 | $ 200,000 |
| Wilkes County North Carolina | 9 | $ 1,057,000 | $ 117,000 | $ 57,000 |
| Williamson County Tennessee | 2 | $ 614,000 | $ 307,000 | $ 127,000 |
| Wilson County North Carolina | 1 | $ 19,000 | $ 19,000 | $ 0 |
| Wise County Virginia | 9 | $ 308,000 | $ 34,000 | $ 83,000 |
| Wyoming County West Virginia | 116 | $ 4,041,000 | $ 34,000 | $ 53,000 |
| Wythe County Virginia | 28 | $ 1,642,000 | $ 58,000 | $ 65,000 |
| Yadkin County North Carolina | 7 | $ 874,000 | $ 124,000 | $ 51,000 |
| York County Virginia | 1 | $ 101,000 | $ 101,000 | $ 87,000 |
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 |
|---|---|---|---|---|---|---|
| File Closed For Incompleteness | 3 | $333,000 | $111,000 | $200,000 | $35,000 | $43,000 |
| Loan Originated | 2,018 | $158,022,000 | $78,000 | $1,900,000 | $70,000 | $2,462,000 |
| 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 |
| 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 |
| Application Denied By Financial Institution | 337 | $16,435,000 | $48,000 | $720,000 | $40,000 | $284,000 |
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.
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