Lender in Virginia · HMDA 2025
First Community Mortgage, Inc. mortgages in Virginia
First Community Mortgage, Inc.'s 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
First Community Mortgage, Inc. originated 471 owner-occupied single-family loans in Virginia from 547 completed applications.
Its median conventional purchase loan costs were $5,310 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.625% (Virginia: 6.625%).
Loans in VA
471
of 547 applications
Denial rate
7.1%
Purchase · VA 6.9%
Rate spread
+0.17 pts
Conv. · VA +0.10 pts
Loan amount
$325,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 504 | 434 | 7.1% | 6.625% | +0.17 pts | $5,310 | $325,000 |
| Refinance | 26 | 24 | 7.7% | — | — | — | $305,000 |
| Cash-out refinance | 17 | 13 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where First Community Mortgage, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Charlottesville city | 11 | 9 | 3.0% |
| Albemarle County | 12 | 26 | 1.8% |
| Campbell County | 13 | 13 | 1.7% |
| Fluvanna County | 14 | 8 | 1.5% |
| Appomattox County | 16 | 4 | 1.7% |
| Martinsville city | 17 | 2 | 1.3% |
| Amherst County | 18 | 6 | 1.5% |
| Roanoke County | 19 | 21 | 1.4% |
| Buena Vista city | 20 | 1 | 1.3% |
| Norfolk city | 23 | 35 | 1.0% |
| Franklin County | 23 | 6 | 0.9% |
| Portsmouth city | 24 | 15 | 0.7% |
| Lynchburg city | 24 | 9 | 1.0% |
- First Community Mortgage, Inc. nationwide
- Virginia mortgage market
- First Community Mortgage, Inc. in Tennessee
- First Community Mortgage, Inc. in Ohio
- First Community Mortgage, Inc. in Michigan
- First Community Mortgage, Inc. in Florida
- First Community Mortgage, Inc. in Georgia
- First Community Mortgage, Inc. in Alabama
- First Community Mortgage, Inc. in Pennsylvania
- First Community Mortgage, Inc. in Kentucky
- First Community Mortgage, Inc. in Indiana
- First Community Mortgage, Inc. in North Carolina
- First Community Mortgage, Inc. in Arkansas
- First Community Mortgage, Inc. in Mississippi
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology