|
| Location |
Harrison County WV
• Apply Here |
| Year | 2008 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 2008 |
| Total Number of Mortgage Applications | 3,280 |
| Total Amount of All Mortgage Loans Applied For | $329,550,000 |
| Average Mortgage Loan Amount Applied For | $100,000 |
| Highest Mortgage Loan Amount Applied For | $2,000,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $1,822,000 |
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| Home Improvement |
571 | $26,814,000 |
$46,000 | $460,000 |
$51,000 | $479,000 |
| Home Purchase |
972 | $113,206,000 |
$116,000 | $603,000 |
$64,000 | $720,000 |
| Refinancing |
1,737 | $189,530,000 |
$109,000 | $2,000,000 |
$64,000 | $1,822,000 |
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| American Indian or Alaskan Native |
15 | $1,701,000 |
$113,000 | $370,000 |
$70,000 | $168,000 |
| Asian |
9 | $783,000 |
$87,000 | $184,000 |
$70,000 | $121,000 |
| Black or African American |
28 | $2,255,000 |
$80,000 | $296,000 |
$69,000 | $579,000 |
| Hispanic |
27 | $3,555,000 |
$131,000 | $323,000 |
$71,000 | $177,000 |
| Native Hawaiin or Other Pacific Islander |
4 | $512,000 |
$128,000 | $212,000 |
$42,000 | $47,000 |
| Not applicable |
182 | $25,595,000 |
$140,000 | $1,500,000 |
$14,000 | $221,000 |
| Not Provided |
277 | $30,622,000 |
$110,000 | $689,000 |
$72,000 | $670,000 |
| White |
2,738 | $264,527,000 |
$96,000 | $2,000,000 |
$63,000 | $1,822,000 |
|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
2,778 | $274,398,000 |
$98,000 | $2,000,000 |
$64,000 | $1,822,000 |
| FHA-insured (Federal Housing Administration) |
443 | $47,502,000 |
$107,000 | $305,000 |
$48,000 | $260,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
14 | $910,000 |
$65,000 | $95,000 |
$20,000 | $41,000 |
| VA-guaranteed (Veterans Administration) |
45 | $6,740,000 |
$149,000 | $365,000 |
$55,000 | $160,000 |
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| Application Approved But Not Accepted |
168 | $15,449,000 |
$91,000 | $417,000 |
$70,000 | $670,000 |
| Application Denied By Financial Institution |
1,080 | $85,856,000 |
$79,000 | $585,000 |
$51,000 | $291,000 |
| Application Withdrawn By Applicant |
275 | $30,570,000 |
$111,000 | $583,000 |
$72,000 | $720,000 |
| File Closed For Incompleteness |
51 | $4,821,000 |
$94,000 | $296,000 |
$68,000 | $300,000 |
| Loan Originated |
1,410 | $153,158,000 |
$108,000 | $2,000,000 |
$71,000 | $1,822,000 |
| Loan Purchased By The Institution |
296 | $39,696,000 |
$134,000 | $417,000 |
$37,000 | $318,000 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
|
| Collateral |
99 | $8,568,000 |
$86,000 | $350,000 |
$63,000 | $177,000 |
| Credit Application Incomplete |
32 | $3,728,000 |
$116,000 | $348,000 |
$66,000 | $165,000 |
| Credit History |
259 | $16,858,000 |
$65,000 | $400,000 |
$47,000 | $250,000 |
| Debt-To-Income Ratio |
75 | $7,422,000 |
$98,000 | $355,000 |
$41,000 | $200,000 |
| Employment History |
3 | $235,000 |
$78,000 | $140,000 |
$45,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
4 | $109,000 |
$27,000 | $35,000 |
$44,000 | $61,000 |
| Mortgage Insurance Denied |
1 | $61,000 |
$61,000 | $61,000 |
$30,000 | $30,000 |
| Other |
44 | $3,574,000 |
$81,000 | $323,000 |
$56,000 | $174,000 |
| Unverifiable Information |
10 | $1,142,000 |
$114,000 | $220,000 |
$52,000 | $85,000 |
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