First Community Bank in Virginia vs the state
22.6%Denial rate+6.68 pts vs state
28.2%Decision denial rate+7.97 pts vs state
53.6%Origination rate-5.95 pts vs state
7.25%Median rate+0.63 pts vs state
0.90Rate spread (pts)+0.68 pts vs state
$79kMedian applicant income
135Loans originated
57Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 181 | 107 | 22.7% | 7.40% | #197 |
| 2024 | 101 | 42 | 38.6% | 8.70% | #277 |
| 2025 | 252 | 135 | 22.6% | 7.25% | #184 |
What First Community Bank lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most First Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wythe County | 43 | 18 | 12 | 27.9% |
| Tazewell County | 39 | 22 | 7 | 17.9% |
| Carroll County | 24 | 13 | 7 | 29.2% |
| Pulaski County | 24 | 12 | 7 | 29.2% |
| Washington County | 22 | 14 | 3 | 13.6% |
| Patrick County | 18 | 12 | 3 | 16.7% |
| Smyth County | 15 | 9 | 2 | 13.3% |
| Bristol city | 11 | 7 | 1 | 9.1% |
| Montgomery County | 11 | 7 | 3 | 27.3% |
| Bland County | 6 | 3 | 2 | 33.3% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 252 applications in 2025, of which 135 were originated and 57 denied.
22.6% of all applications, or 28.2% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans First Community Bank originated in Virginia in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are First Community Bank's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology