Lender in Virginia · HMDA 2025
First Bancorp, Inc. mortgages in Virginia
First Bancorp, Inc.'s 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
First Bancorp, Inc. originated 235 owner-occupied single-family loans in Virginia from 311 completed applications.
Its median conventional purchase loan costs were $4,230 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 7.00% (Virginia: 6.625%).
Loans in VA
235
of 311 applications
Denial rate
8.5%
Purchase · VA 6.9%
Rate spread
+0.56 pts
Conv. · VA +0.10 pts
Loan amount
$265,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 272 | 206 | 8.5% | 7.000% | +0.56 pts | $4,230 | $265,000 |
| Refinance | 20 | 14 | 5.0% | — | — | — | — |
| Cash-out refinance | 19 | 15 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where First Bancorp, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Russell County | 4 | 8 | 4.9% |
| Washington County | 5 | 45 | 8.2% |
| Floyd County | 5 | 7 | 4.6% |
| Bedford County | 6 | 34 | 2.9% |
| Bristol city | 7 | 9 | 3.8% |
| Scott County | 9 | 4 | 2.8% |
| Wise County | 10 | 5 | 2.9% |
| Smyth County | 11 | 4 | 1.6% |
| Amherst County | 12 | 7 | 1.7% |
| Augusta County | 14 | 21 | 1.9% |
| Montgomery County | 17 | 12 | 1.4% |
| Wythe County | 17 | 4 | 1.4% |
| Staunton city | 19 | 7 | 1.7% |
| Giles County | 20 | 2 | 1.1% |
| Tazewell County | 22 | 3 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology