Applications / Mortgage Analytics / Lenders / Virginia / First Community Bank
Bluefield, VA · State member bank · FRS · $3.2 billion assets · 487 loans in 2025
First Community Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
487
loans originated, 2025
939
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Community Bank's lending rebounded by 212% in 2025, after its loans fell from 1,604 in 2020 to 156 in 2024.
Its originations rose 212% to 487, the fastest growth among similar lenders (state member banks making between half and twice as many loans), which grew 7%; the whole market grew 10%. As recently as 2022 it made 1,099 loans. Nothing in these figures explains the swing; a change in what it reported is one possibility to check.
Its typical loan was $105,000, against $195,000 at similar lenders, among the lowest of them. Manufactured homes took 13.8% of its loans, against 1.4%. Home improvement took 29.0%, almost as much as purchases at 32.9%.
Higher-priced loans (a rate well above the average for similar loans) were 12.5% of its lending, against 2.4% at similar lenders, though down from 64.9% in 2024. Manufactured-home and home-improvement loans, which are often priced higher, could account for most of the difference.
In Beckley, WV it ranked 8 of 137 lenders, with 2.7% of the market, up from 0.9%. It ranked 11 of 299 in non-metro West Virginia, and its share also rose in Kingsport-Bristol, TN-VA and Blacksburg-Christiansburg-Radford, VA. It made no loans in majority-minority neighborhoods, against 7.1% at similar lenders; its mostly non-metro footprint is a possible reason.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Community Bank took 939 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 32.9% · Refinance 29.8% · Home improvement 29.0% · Other 8.4%
Conventional 100.0% · of 487 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| West Virginia | 235 | 48.3% |
| Virginia | 135 | 27.7% |
| North Carolina | 101 | 20.7% |
| Tennessee | 15 | 3.1% |
| South Carolina | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kingsport-Bristol | 33 |
| Beckley | 30 |
| Blacksburg-Christiansburg-Radford | 23 |
| Hickory-Lenoir-Morganton | 21 |
| Winston-Salem | 10 |
| Johnson City | 3 |
| Richmond | 3 |
| Charleston | 2 |
| Lynchburg | 2 |
| Harrisonburg | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007TJ86W1ZK4LZ15 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2353595 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 123892 | 2000–2010 |
| Respondent ID (the HMDA filer code before 2018) | 22353595 | 2011–2017 |
Established 7 January 1920. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: First Community Bank's data.
First Community Bank's data
$215
First Community Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy First Community Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]