First Community Bank, N. A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
First Community Bank, N. A. 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 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 | 2,082 |
| Total Mortgage Loan Application Amount | $256,124,000 |
| Average Mortgage Loan Application Amount | $102,666 |
| Highest Mortgage Loan Application Amount | $3,149,000 |
| Average Applicant Income | $73,666 |
| Highest Applicant Income | $2,119,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.
| 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 | 305 | $ 25,952,000 | $ 85,000 | $ 65,000 |
| Forsyth County North Carolina | 203 | $ 35,009,000 | $ 172,000 | $ 79,000 |
| Nicholas County West Virginia | 151 | $ 10,964,000 | $ 72,000 | $ 68,000 |
| Upshur County West Virginia | 133 | $ 11,726,000 | $ 88,000 | $ 67,000 |
| Raleigh County West Virginia | 119 | $ 14,853,000 | $ 124,000 | $ 73,000 |
| Tazewell County Virginia | 117 | $ 13,391,000 | $ 114,000 | $ 82,000 |
| Wyoming County West Virginia | 70 | $ 3,195,000 | $ 45,000 | $ 57,000 |
| Washington County Tennessee | 57 | $ 7,182,000 | $ 126,000 | $ 80,000 |
| Iredell County North Carolina | 48 | $ 9,907,000 | $ 206,000 | $ 108,000 |
| Davidson County North Carolina | 42 | $ 5,701,000 | $ 135,000 | $ 58,000 |
| Taylor County West Virginia | 40 | $ 2,875,000 | $ 71,000 | $ 46,000 |
| Montgomery County Virginia | 39 | $ 4,282,000 | $ 109,000 | $ 224,000 |
| Guilford County North Carolina | 38 | $ 7,852,000 | $ 206,000 | $ 158,000 |
| Logan County West Virginia | 38 | $ 2,238,000 | $ 58,000 | $ 53,000 |
| Davie County North Carolina | 34 | $ 7,448,000 | $ 219,000 | $ 96,000 |
| Alexander County North Carolina | 32 | $ 2,764,000 | $ 86,000 | $ 63,000 |
| Wilkes County North Carolina | 30 | $ 3,677,000 | $ 122,000 | $ 86,000 |
| Richmond City County Virginia | 30 | $ 7,322,000 | $ 244,000 | $ 73,000 |
| Summers County West Virginia | 30 | $ 2,612,000 | $ 87,000 | $ 60,000 |
| Monroe County West Virginia | 27 | $ 2,637,000 | $ 97,000 | $ 70,000 |
| Stokes County North Carolina | 26 | $ 3,233,000 | $ 124,000 | $ 44,000 |
| Wythe County Virginia | 26 | $ 1,904,000 | $ 73,000 | $ 43,000 |
| Alleghany County North Carolina | 25 | $ 4,353,000 | $ 174,000 | $ 77,000 |
| Webster County West Virginia | 25 | $ 1,090,000 | $ 43,000 | $ 85,000 |
| Surry County North Carolina | 23 | $ 1,984,000 | $ 86,000 | $ 43,000 |
| Yadkin County North Carolina | 21 | $ 2,895,000 | $ 137,000 | $ 63,000 |
| Sullivan County Tennessee | 15 | $ 1,771,000 | $ 118,000 | $ 59,000 |
| Chesterfield County Virginia | 14 | $ 4,661,000 | $ 332,000 | $ 71,000 |
| McDowell County West Virginia | 14 | $ 472,000 | $ 33,000 | $ 51,000 |
| Fayette County West Virginia | 13 | $ 984,000 | $ 75,000 | $ 53,000 |
| Harrison County West Virginia | 13 | $ 1,044,000 | $ 80,000 | $ 70,000 |
| Lewis County West Virginia | 12 | $ 1,388,000 | $ 115,000 | $ 54,000 |
| Carter County Tennessee | 11 | $ 1,100,000 | $ 100,000 | $ 40,000 |
| Rowan County North Carolina | 9 | $ 1,563,000 | $ 173,000 | $ 64,000 |
| Bland County Virginia | 9 | $ 834,000 | $ 92,000 | $ 57,000 |
| Dickenson County Virginia | 9 | $ 577,000 | $ 64,000 | $ 48,000 |
| Barbour County West Virginia | 9 | $ 930,000 | $ 103,000 | $ 67,000 |
| Mingo County West Virginia | 8 | $ 378,000 | $ 47,000 | $ 63,000 |
| Mecklenburg County North Carolina | 7 | $ 4,627,000 | $ 661,000 | $ 190,000 |
| Russell County Virginia | 7 | $ 606,000 | $ 86,000 | $ 76,000 |
| Marion County West Virginia | 7 | $ 643,000 | $ 91,000 | $ 51,000 |
| Unicoi County Tennessee | 6 | $ 705,000 | $ 117,000 | $ 52,000 |
| Kanawha County West Virginia | 6 | $ 966,000 | $ 161,000 | $ 106,000 |
| Monongalia County West Virginia | 6 | $ 440,000 | $ 73,000 | $ 62,000 |
| Catawba County North Carolina | 5 | $ 553,000 | $ 110,000 | $ 137,000 |
| Horry County South Carolina | 5 | $ 1,130,000 | $ 226,000 | $ 288,000 |
| Emporia County Virginia | 5 | $ 421,000 | $ 84,000 | $ 64,000 |
| Greensville County Virginia | 5 | $ 163,000 | $ 32,000 | $ 40,000 |
| Greenbrier County West Virginia | 5 | $ 521,000 | $ 104,000 | $ 50,000 |
| Preston County West Virginia | 5 | $ 170,000 | $ 34,000 | $ 47,000 |
| Hillsborough County New Hampshire | 4 | $ 875,000 | $ 218,000 | $ 59,000 |
| Brunswick County North Carolina | 4 | $ 2,224,000 | $ 556,000 | $ 181,000 |
| Randolph County North Carolina | 4 | $ 640,000 | $ 160,000 | $ 41,000 |
| Carroll County Virginia | 4 | $ 173,000 | $ 43,000 | $ 46,000 |
| Braxton County West Virginia | 4 | $ 375,000 | $ 93,000 | $ 52,000 |
| Pocahontas County West Virginia | 4 | $ 255,000 | $ 63,000 | $ 247,000 |
| Merrimack County New Hampshire | 3 | $ 771,000 | $ 257,000 | $ 90,000 |
| Rockingham County North Carolina | 3 | $ 352,000 | $ 117,000 | $ 28,000 |
| Watauga County North Carolina | 3 | $ 1,304,000 | $ 434,000 | $ 256,000 |
| Sevier County Tennessee | 3 | $ 760,000 | $ 253,000 | $ 72,000 |
| Brunswick County Virginia | 3 | $ 322,000 | $ 107,000 | $ 56,000 |
| Buchanan County Virginia | 3 | $ 140,000 | $ 46,000 | $ 79,000 |
| Caroline County Virginia | 3 | $ 499,000 | $ 166,000 | $ 100,000 |
| Giles County Virginia | 3 | $ 297,000 | $ 99,000 | $ 66,000 |
| Henrico County Virginia | 3 | $ 931,000 | $ 310,000 | $ 75,000 |
| Pulaski County Virginia | 3 | $ 861,000 | $ 287,000 | $ 125,000 |
| Roanoke County Virginia | 3 | $ 512,000 | $ 170,000 | $ 33,000 |
| Wise County Virginia | 3 | $ 230,000 | $ 76,000 | $ 50,000 |
| Clay County West Virginia | 3 | $ 196,000 | $ 65,000 | $ 67,000 |
| Putnam County West Virginia | 3 | $ 543,000 | $ 181,000 | $ 115,000 |
| Randolph County West Virginia | 3 | $ 303,000 | $ 101,000 | $ 67,000 |
| Tucker County West Virginia | 3 | $ 1,099,000 | $ 366,000 | $ 253,000 |
| Alachua County Florida | 2 | $ 526,000 | $ 263,000 | $ 127,000 |
| Pasco County Florida | 2 | $ 76,000 | $ 38,000 | $ 9,000 |
| DeKalb County Georgia | 2 | $ 556,000 | $ 278,000 | $ 106,000 |
| Alamance County North Carolina | 2 | $ 331,000 | $ 165,000 | $ 85,000 |
| Durham County North Carolina | 2 | $ 244,000 | $ 122,000 | $ 37,000 |
| Charleston County South Carolina | 2 | $ 3,680,000 | $ 1,840,000 | $ 1,277,000 |
| Laurens County South Carolina | 2 | $ 372,000 | $ 186,000 | $ 46,000 |
| Franklin County Virginia | 2 | $ 454,000 | $ 227,000 | $ 103,000 |
| Brevard County Florida | 1 | $ 127,000 | $ 127,000 | $ 83,000 |
| Collier County Florida | 1 | $ 153,000 | $ 153,000 | $ 210,000 |
| Indian River County Florida | 1 | $ 118,000 | $ 118,000 | $ 89,000 |
| Marion County Florida | 1 | $ 166,000 | $ 166,000 | $ 19,000 |
| Polk County Florida | 1 | $ 31,000 | $ 31,000 | $ 24,000 |
| St. Johns County Florida | 1 | $ 500,000 | $ 500,000 | $ 60,000 |
| Walton County Florida | 1 | $ 113,000 | $ 113,000 | $ 120,000 |
| Bibb County Georgia | 1 | $ 40,000 | $ 40,000 | $ 17,000 |
| Honolulu County Hawaii | 1 | $ 357,000 | $ 357,000 | $ 150,000 |
| Cook County Illinois | 1 | $ 1,310,000 | $ 1,310,000 | $ 450,000 |
| Ashe County North Carolina | 1 | $ 248,000 | $ 248,000 | $ 56,000 |
| Buncombe County North Carolina | 1 | $ 216,000 | $ 216,000 | $ 139,000 |
| Caldwell County North Carolina | 1 | $ 383,000 | $ 383,000 | $ 120,000 |
| Caswell County North Carolina | 1 | $ 249,000 | $ 249,000 | $ 115,000 |
| Gaston County North Carolina | 1 | $ 110,000 | $ 110,000 | $ 65,000 |
| Hertford County North Carolina | 1 | $ 16,000 | $ 16,000 | $ 63,000 |
| Jackson County North Carolina | 1 | $ 107,000 | $ 107,000 | $ 53,000 |
| McDowell County North Carolina | 1 | $ 131,000 | $ 131,000 | $ 0 |
| New Hanover County North Carolina | 1 | $ 204,000 | $ 204,000 | $ 160,000 |
| Northampton County North Carolina | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Pender County North Carolina | 1 | $ 143,000 | $ 143,000 | $ 70,000 |
| Polk County North Carolina | 1 | $ 139,000 | $ 139,000 | $ 25,000 |
| Wake County North Carolina | 1 | $ 190,000 | $ 190,000 | $ 89,000 |
| Warren County North Carolina | 1 | $ 204,000 | $ 204,000 | $ 88,000 |
| Yancey County North Carolina | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Allegheny County Pennsylvania | 1 | $ 222,000 | $ 222,000 | $ 105,000 |
| Washington County Pennsylvania | 1 | $ 123,000 | $ 123,000 | $ 303,000 |
| Lexington County South Carolina | 1 | $ 189,000 | $ 189,000 | $ 96,000 |
| Richland County South Carolina | 1 | $ 471,000 | $ 471,000 | $ 0 |
| York County South Carolina | 1 | $ 211,000 | $ 211,000 | $ 13,000 |
| Bradley County Tennessee | 1 | $ 176,000 | $ 176,000 | $ 41,000 |
| Cannon County Tennessee | 1 | $ 57,000 | $ 57,000 | $ 36,000 |
| Greene County Tennessee | 1 | $ 42,000 | $ 42,000 | $ 23,000 |
| Hawkins County Tennessee | 1 | $ 357,000 | $ 357,000 | $ 266,000 |
| Houston County Tennessee | 1 | $ 60,000 | $ 60,000 | $ 31,000 |
| Knox County Tennessee | 1 | $ 220,000 | $ 220,000 | $ 98,000 |
| Putnam County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 69,000 |
| Augusta County Virginia | 1 | $ 235,000 | $ 235,000 | $ 79,000 |
| Bedford County Virginia | 1 | $ 103,000 | $ 103,000 | $ 52,000 |
| Botetourt County Virginia | 1 | $ 250,000 | $ 250,000 | $ 161,000 |
| Chesapeake County Virginia | 1 | $ 320,000 | $ 320,000 | $ 130,000 |
| Dinwiddie County Virginia | 1 | $ 165,000 | $ 165,000 | $ 74,000 |
| Fairfax County Virginia | 1 | $ 417,000 | $ 417,000 | $ 141,000 |
| Franklin City County Virginia | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Fredericksburg County Virginia | 1 | $ 463,000 | $ 463,000 | $ 187,000 |
| Gloucester County Virginia | 1 | $ 490,000 | $ 490,000 | $ 192,000 |
| Goochland County Virginia | 1 | $ 92,000 | $ 92,000 | $ 101,000 |
| Grayson County Virginia | 1 | $ 76,000 | $ 76,000 | $ 25,000 |
| Hanover County Virginia | 1 | $ 450,000 | $ 450,000 | $ 1,002,000 |
| Harrisonburg County Virginia | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Mecklenburg County Virginia | 1 | $ 8,000 | $ 8,000 | $ 26,000 |
| Petersburg County Virginia | 1 | $ 91,000 | $ 91,000 | $ 89,000 |
| Pittsylvania County Virginia | 1 | $ 80,000 | $ 80,000 | $ 81,000 |
| Prince George County Virginia | 1 | $ 276,000 | $ 276,000 | $ 102,000 |
| Radford County Virginia | 1 | $ 127,000 | $ 127,000 | $ 89,000 |
| Smyth County Virginia | 1 | $ 200,000 | $ 200,000 | $ 88,000 |
| Sussex County Virginia | 1 | $ 32,000 | $ 32,000 | $ 24,000 |
| Washington County Virginia | 1 | $ 390,000 | $ 390,000 | $ 188,000 |
| Calhoun County West Virginia | 1 | $ 24,000 | $ 24,000 | $ 109,000 |
| Wayne County West Virginia | 1 | $ 75,000 | $ 75,000 | $ 78,000 |
Mortgage Loan Application Detail Totals for First Community Bank, N. A. 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 | 1,185 | $164,569,000 | $138,000 | $3,149,000 | $81,000 | $1,277,000 |
| Home Purchase | 785 | $84,431,000 | $107,000 | $1,310,000 | $75,000 | $2,119,000 |
| Home Improvement | 112 | $7,124,000 | $63,000 | $425,000 | $65,000 | $595,000 |
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 | 1,853 | $218,058,000 | $117,000 | $3,040,000 | $82,000 | $2,119,000 |
| Not applicable | 130 | $25,285,000 | $194,000 | $3,149,000 | $12,000 | $1,127,000 |
| Black or African American | 56 | $5,810,000 | $103,000 | $490,000 | $72,000 | $221,000 |
| Hispanic | 18 | $2,290,000 | $127,000 | $450,000 | $61,000 | $249,000 |
| Not Provided | 12 | $1,878,000 | $156,000 | $637,000 | $84,000 | $288,000 |
| Asian | 9 | $2,344,000 | $260,000 | $659,000 | $144,000 | $327,000 |
| American Indian or Alaskan Native | 2 | $271,000 | $135,000 | $195,000 | $77,000 | $85,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $188,000 | $94,000 | $175,000 | $93,000 | $133,000 |
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) | 1,936 | $236,567,000 | $122,000 | $3,149,000 | $80,000 | $2,119,000 |
| FHA-insured (Federal Housing Administration) | 117 | $14,795,000 | $126,000 | $269,000 | $49,000 | $170,000 |
| VA-guaranteed (Veterans Administration) | 27 | $4,561,000 | $168,000 | $414,000 | $67,000 | $173,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $201,000 | $100,000 | $120,000 | $24,000 | $25,000 |
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 | 1,533 | $195,677,000 | $127,000 | $3,149,000 | $83,000 | $2,119,000 |
| Application Denied By Financial Institution | 340 | $32,466,000 | $95,000 | $650,000 | $54,000 | $820,000 |
| Application Approved But Not Accepted | 133 | $16,351,000 | $122,000 | $602,000 | $78,000 | $475,000 |
| Application Withdrawn By Applicant | 68 | $10,312,000 | $151,000 | $472,000 | $79,000 | $300,000 |
| File Closed For Incompleteness | 8 | $1,318,000 | $164,000 | $342,000 | $48,000 | $150,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 152 | $11,714,000 | $77,000 | $425,000 | $50,000 | $530,000 |
| Debt-To-Income Ratio | 98 | $10,643,000 | $108,000 | $600,000 | $48,000 | $147,000 |
| Collateral | 46 | $5,008,000 | $108,000 | $650,000 | $58,000 | $261,000 |
| Other | 23 | $2,933,000 | $127,000 | $350,000 | $61,000 | $173,000 |
| Unverifiable Information | 7 | $916,000 | $130,000 | $550,000 | $151,000 | $820,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $280,000 | $40,000 | $66,000 | $36,000 | $61,000 |
| Credit Application Incomplete | 4 | $871,000 | $217,000 | $417,000 | $123,000 | $302,000 |
| Employment History | 3 | $101,000 | $33,000 | $84,000 | $30,000 | $46,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Community Bank, N. A.'s 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 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.