First Community Bank
First Community Bank received 939 applications in 2025 and made 487 mortgages, in 77 counties across 5 states. The median rate its borrowers got was 7.200% on a median loan of $105,000. Of 743 decisions, 229 were denials — 30.8%, most often for credit history.
| Legal Entity Identifier | 5493007TJ86W1ZK4LZ15 |
|---|---|
| Applications received | 939 |
| Mortgages made | 487 |
| Denied | 229 |
| Approved, not taken up | 27 |
| Withdrawn or incomplete | 196 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.99 points |
| FDIC-insured bank | Yes: First Community Bank, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 160 | 6.438% | $185,000 | 20.6% |
| Refinancing | 144 | 7.013% | $120,000 | 24.8% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 182 | 8.250% | $55,000 | 41.6% |
Where First Community Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Mercer County, WV | 67 | 7.200% | 27.3% |
| Nicholas County, WV | 62 | 7.250% | 39.8% |
| Surry County, NC | 40 | 7.763% | 23.6% |
| Raleigh County, WV | 26 | 6.875% | 25.0% |
| Tazewell County, VA | 22 | 7.013% | 22.6% |
| Upshur County, WV | 22 | 7.013% | 36.8% |
| Alexander County, NC | 18 | 6.500% | 40.6% |
| Wythe County, VA | 18 | 6.250% | 37.5% |
| Washington County, VA | 14 | 7.763% | 17.7% |
| Carroll County, VA | 13 | 7.750% | 35.0% |
| Sullivan County, TN | 12 | 6.500% | 20.0% |
| Patrick County, VA | 12 | 7.000% | 20.0% |
| Pulaski County, VA | 12 | 7.813% | 35.0% |
| Wilkes County, NC | 11 | 8.500% | 42.1% |
| Webster County, WV | 11 | 8.025% | 33.3% |
| Alleghany County, NC | 10 | 6.438% | 23.1% |
| Smyth County, VA | 9 | Under 10 loans | 16.7% |
| Montgomery County, VA | 7 | Under 10 loans | 30.0% |
| Bristol city, VA | 7 | Under 10 loans | 9.1% |
| Monroe County, WV | 7 | Under 10 loans | 22.2% |
| Summers County, WV | 5 | Under 10 loans | 28.6% |
| Taylor County, WV | 5 | Under 10 loans | 44.4% |
| Stokes County, NC | 4 | Under 10 loans | 20.0% |
| Watauga County, NC | 4 | Under 10 loans | 50.0% |
| Braxton County, WV | 4 | Under 10 loans | 20.0% |
| Fayette County, WV | 4 | Under 10 loans | 33.3% |
| McDowell County, WV | 4 | Under 10 loans | 20.0% |
| Wyoming County, WV | 4 | Under 10 loans | 46.2% |
| Avery County, NC | 3 | Under 10 loans | 25.0% |
| Yadkin County, NC | 3 | Under 10 loans | 0.0% |
| Bland County, VA | 3 | Under 10 loans | 40.0% |
| Giles County, VA | 3 | Under 10 loans | 25.0% |
| Barbour County, WV | 3 | Under 10 loans | 25.0% |
| Harrison County, WV | 3 | Under 10 loans | 0.0% |
| Catawba County, NC | 2 | Under 10 loans | 0.0% |
| Forsyth County, NC | 2 | Under 10 loans | 0.0% |
| Washington County, TN | 2 | Under 10 loans | 0.0% |
| Dickenson County, VA | 2 | Under 10 loans | 0.0% |
| Grayson County, VA | 2 | Under 10 loans | 0.0% |
| Wise County, VA | 2 | Under 10 loans | 0.0% |
| Kanawha County, WV | 2 | Under 10 loans | 0.0% |
| Lewis County, WV | 2 | Under 10 loans | 33.3% |
| Randolph County, WV | 2 | Under 10 loans | 33.3% |
| Ashe County, NC | 1 | Under 10 loans | 50.0% |
| Brunswick County, NC | 1 | Under 10 loans | 0.0% |
| Burke County, NC | 1 | Under 10 loans | 0.0% |
| Davidson County, NC | 1 | Under 10 loans | 0.0% |
| Horry County, SC | 1 | Under 10 loans | 0.0% |
| Carter County, TN | 1 | Under 10 loans | 0.0% |
| Bedford County, VA | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.