|
| Location |
Lewis County WV
• Apply Here |
| Year | 2008 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 2008 |
| Total Number of Mortgage Applications | 721 |
| Total Amount of All Mortgage Loans Applied For | $64,869,000 |
| Average Mortgage Loan Amount Applied For | $89,000 |
| Highest Mortgage Loan Amount Applied For | $400,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $450,000 |
|
|
|
| Home Improvement |
100 | $3,900,000 |
$39,000 | $175,000 |
$58,000 | $400,000 |
| Home Purchase |
200 | $18,668,000 |
$93,000 | $400,000 |
$53,000 | $448,000 |
| Refinancing |
421 | $42,301,000 |
$100,000 | $394,000 |
$56,000 | $450,000 |
|
| American Indian or Alaskan Native |
2 | $230,000 |
$115,000 | $140,000 |
$56,000 | $58,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
5 | $304,000 |
$60,000 | $128,000 |
$45,000 | $62,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
36 | $4,706,000 |
$130,000 | $390,000 |
$23,000 | $118,000 |
| Not Provided |
49 | $4,848,000 |
$98,000 | $275,000 |
$55,000 | $192,000 |
| White |
629 | $54,781,000 |
$87,000 | $400,000 |
$57,000 | $450,000 |
|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
572 | $50,459,000 |
$88,000 | $400,000 |
$58,000 | $450,000 |
| FHA-insured (Federal Housing Administration) |
120 | $11,384,000 |
$94,000 | $269,000 |
$47,000 | $199,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
16 | $1,304,000 |
$81,000 | $140,000 |
$27,000 | $64,000 |
| VA-guaranteed (Veterans Administration) |
13 | $1,722,000 |
$132,000 | $225,000 |
$52,000 | $73,000 |
|
| Application Approved But Not Accepted |
28 | $2,040,000 |
$72,000 | $279,000 |
$45,000 | $105,000 |
| Application Denied By Financial Institution |
252 | $19,733,000 |
$78,000 | $394,000 |
$51,000 | $450,000 |
| Application Withdrawn By Applicant |
68 | $7,103,000 |
$104,000 | $217,000 |
$62,000 | $253,000 |
| File Closed For Incompleteness |
14 | $1,345,000 |
$96,000 | $275,000 |
$56,000 | $102,000 |
| Loan Originated |
293 | $26,931,000 |
$91,000 | $400,000 |
$63,000 | $448,000 |
| Loan Purchased By The Institution |
66 | $7,717,000 |
$116,000 | $390,000 |
$35,000 | $199,000 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
|
| Collateral |
23 | $1,948,000 |
$84,000 | $206,000 |
$46,000 | $74,000 |
| Credit Application Incomplete |
3 | $324,000 |
$108,000 | $210,000 |
$68,000 | $125,000 |
| Credit History |
44 | $2,265,000 |
$51,000 | $132,000 |
$51,000 | $170,000 |
| Debt-To-Income Ratio |
19 | $1,757,000 |
$92,000 | $269,000 |
$34,000 | $81,000 |
| Employment History |
1 | $26,000 |
$26,000 | $26,000 |
$62,000 | $62,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
5 | $552,000 |
$110,000 | $259,000 |
$43,000 | $62,000 |
| Mortgage Insurance Denied |
1 | $162,000 |
$162,000 | $162,000 |
$86,000 | $86,000 |
| Other |
10 | $651,000 |
$65,000 | $155,000 |
$53,000 | $130,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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