Boone County, WV Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 716 mortgage applications in Boone County, WV totaling $61.2 million, down 2% from 2011. The average application was for $85,000, and applicants reported an average income of $65,000. 44% of applications resulted in an originated loan and 31% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 119 applications, followed by Truist Bank and Premier Bank, Inc..
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 716 |
| Total Mortgage Loan Application Amount | $61,236,000 |
| Average Mortgage Loan Application Amount | $85,000 |
| Highest Mortgage Loan Application Amount | $397,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $525,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 119 | $ 8,146,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 86 | $ 6,965,000 |
| Premier Bank, Inc. 601 WASHINGTON STREET RAVENSWOOD, WV 26164 |
* | $ 750,094,000 | 65 | $ 1,418,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,753,165,000 | 48 | $ 3,384,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 47 | $ 5,005,000 |
| Whitesville State Bank 38609 COAL RIVER ROAD WHITESVILLE, WV 25209 |
* | $ 79,279,000 | 41 | $ 2,471,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ 12,167,000 | 28 | $ 3,203,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 114,540,379,000 | 21 | $ 2,811,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 114,540,379,000 | 18 | $ 1,557,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 18 | $ 1,415,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 18 | $ 1,996,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 54,183,383,000 | 17 | $ 1,724,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 16 | $ 1,472,000 |
| Logan Bank & Trust Company 43 WASHINTON AVE LOGAN, WV 25601 |
* | $ 246,488,000 | 16 | $ 1,235,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 3,625,405,000 | 14 | $ 1,725,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 9 | $ 1,319,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 7 | $ 1,029,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 7 | $ 889,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 5 | $ 265,000 |
| Citizens Deposit Bank & Trust PO BOX 9 10 SECOND STREET VANCEBURG, KY 41179 |
* | $ 212,945,000 | 5 | $ 512,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,898,665,000 | 4 | $ 281,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 4 | $ 559,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 4 | $ 563,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 631,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 628,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 3 | $ 472,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 3 | $ 269,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 3 | $ 597,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 3 | $ 243,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 588,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 3 | $ 54,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ 302,712,000 | 3 | $ 176,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 3 | $ 38,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 271,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ 710,000 | 2 | $ 212,000 |
| The State Credit Union 2200 WASHINGTON STREET, EAST, CHARLESTON, WV 25311 |
* | $ 50,430,000 | 2 | $ 97,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 5,520,183,000 | 2 | $ 175,000 |
| Pioneer Appalachia Federal Credit Union 1316 KANAWHA BLVD., E. CHARLESTON, WV 25301 |
* | $ 136,902,000 | 2 | $ 65,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 140,000 |
| Rock Branch Community Bank PO BOX 219 NITRO, WV 25143 |
* | $ 75,895,000 | 2 | $ 398,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 2 | $ 302,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 2 | $ 268,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 2 | $ 385,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 274,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 2 | $ 164,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ 10,000,000 | 1 | $ 95,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 180,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 106,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 205,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 1 | $ 25,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,887,082,000 | 1 | $ 35,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 25,513,620,000 | 1 | $ 101,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 1,442,550,000 | 1 | $ 79,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 1 | $ 192,000 |
| Mwabank 100 17TH STREET ROCK ISLAND, IL 61201 |
* | $ 247,090,000 | 1 | $ 123,000 |
| Star USA Federal Credit Union ONE CANTLEY DRIVE CHARLESTON, WV 25314 |
* | $ 160,966,000 | 1 | $ 80,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,283,070,000 | 1 | $ 89,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 808,645,000 | 1 | $ 179,000 |
| Reliant Bank 1736 CAROTHERS PKWY., STE. 100 BRENTWOOD, TN 37027 |
* | $ 363,439,000 | 1 | $ 137,000 |
| Ashland Credit Union 1300 CENTRAL AVE ASHLAND, KY 41101 |
* | $ 171,560,000 | 1 | $ 36,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 84,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 188,000 |
The tables below break down 2012 mortgage applications in Boone County, WV by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Boone County, WV in 2012
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 314 | $27,467,000 | $87,000 | $360,000 | $59,000 | $258,000 |
| Refinancing | 278 | $30,321,000 | $109,000 | $397,000 | $77,000 | $525,000 |
| Home Improvement | 124 | $3,448,000 | $27,000 | $192,000 | $55,000 | $173,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 657 | $56,182,000 | $85,000 | $397,000 | $67,000 | $525,000 |
| Not Provided | 38 | $2,774,000 | $73,000 | $221,000 | $59,000 | $155,000 |
| Not applicable | 16 | $1,763,000 | $110,000 | $242,000 | $15,000 | $124,000 |
| Black or African American | 2 | $179,000 | $89,000 | $176,000 | $55,000 | $68,000 |
| Hispanic | 2 | $249,000 | $124,000 | $132,000 | $45,000 | $90,000 |
| Asian | 1 | $89,000 | $89,000 | $89,000 | $21,000 | $21,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 578 | $46,088,000 | $79,000 | $397,000 | $68,000 | $525,000 |
| FHA-insured (Federal Housing Administration) | 118 | $12,410,000 | $105,000 | $267,000 | $54,000 | $116,000 |
| VA-guaranteed (Veterans Administration) | 14 | $2,144,000 | $153,000 | $268,000 | $53,000 | $191,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $594,000 | $99,000 | $131,000 | $41,000 | $65,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 316 | $28,199,000 | $89,000 | $397,000 | $72,000 | $525,000 |
| Application Denied By Financial Institution | 220 | $16,514,000 | $75,000 | $339,000 | $59,000 | $275,000 |
| Application Approved But Not Accepted | 85 | $6,009,000 | $70,000 | $250,000 | $60,000 | $265,000 |
| Application Withdrawn By Applicant | 42 | $4,682,000 | $111,000 | $238,000 | $61,000 | $130,000 |
| Loan Purchased By The Institution | 36 | $4,114,000 | $114,000 | $242,000 | $51,000 | $225,000 |
| File Closed For Incompleteness | 17 | $1,718,000 | $101,000 | $224,000 | $84,000 | $325,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 69 | $4,416,000 | $64,000 | $339,000 | $59,000 | $218,000 |
| Debt-To-Income Ratio | 18 | $1,652,000 | $91,000 | $213,000 | $51,000 | $140,000 |
| Collateral | 16 | $1,633,000 | $102,000 | $179,000 | $64,000 | $119,000 |
| Other | 14 | $1,360,000 | $97,000 | $275,000 | $90,000 | $275,000 |
| Credit Application Incomplete | 12 | $982,000 | $81,000 | $164,000 | $70,000 | $140,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $273,000 | $91,000 | $135,000 | $67,000 | $116,000 |
| Unverifiable Information | 2 | $141,000 | $70,000 | $90,000 | $67,000 | $72,000 |
| Employment History | 1 | $47,000 | $47,000 | $47,000 | $57,000 | $57,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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