Boone County, WV Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 721 mortgage applications in Boone County, WV totaling $60.2 million, up 1% from 2012. The average application was for $83,000, and applicants reported an average income of $64,000. 47% of applications resulted in an originated loan and 29% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 108 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 | 721 |
| Total Mortgage Loan Application Amount | $60,182,000 |
| Average Mortgage Loan Application Amount | $83,000 |
| Highest Mortgage Loan Application Amount | $400,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $354,000 |
* 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 | 108 | $ 7,338,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 90 | $ 6,666,000 |
| Premier Bank, Inc. 601 WASHINGTON STREET RAVENSWOOD, WV 26164 |
* | $ 738,858,000 | 76 | $ 1,929,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,893,976,000 | 52 | $ 3,053,000 |
| Whitesville State Bank 38609 COAL RIVER ROAD WHITESVILLE, WV 25209 |
* | $ 83,158,000 | 41 | $ 2,728,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 36 | $ 4,090,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 4,932,825,000 | 20 | $ 1,533,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 20 | $ 2,396,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 18 | $ 1,383,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 55,954,625,000 | 17 | $ 1,265,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 17 | $ 1,747,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ 12,167,000 | 17 | $ 2,351,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 119,444,656,000 | 13 | $ 1,616,000 |
| Logan Bank & Trust Company 43 WASHINTON AVE LOGAN, WV 25601 |
* | $ 251,486,000 | 12 | $ 1,015,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,891,810,000 | 11 | $ 886,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 11 | $ 1,633,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 8 | $ 645,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 8 | $ 687,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 7 | $ 948,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 7 | $ 1,399,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,617,126,000 | 6 | $ 733,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 6 | $ 655,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 119,444,656,000 | 5 | $ 284,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 5 | $ 651,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 5 | $ 708,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 5 | $ 489,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ 710,000 | 4 | $ 506,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 290,000 |
| Ashland Credit Union 1300 CENTRAL AVE ASHLAND, KY 41101 |
* | $ 172,866,000 | 4 | $ 440,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 3 | $ 220,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 3 | $ 331,000 |
| The State Credit Union 2200 WASHINGTON STREET, EAST, CHARLESTON, WV 25311 |
* | $ 55,023,000 | 3 | $ 208,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 169,076,807,000 | 3 | $ 14,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 3 | $ 407,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 1,380,775,000 | 3 | $ 320,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 254,000 |
| West Virginia Federal Credit Union 318 5TH AVENUE SOUTH CHARLESTON, WV 25303 |
* | $ 169,402,000 | 2 | $ 187,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,203,139,000 | 2 | $ 199,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 197,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 290,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 234,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ 10,000,000 | 2 | $ 133,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 82,086,021,000 | 2 | $ 135,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 2 | $ 269,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 2 | $ 262,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 1,778,826,000 | 1 | $ 120,000 |
| Military Family Home Loans, Ll 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 1,102,281,049,000 | 1 | $ 135,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 1 | $ 48,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,864,946,000 | 1 | $ 74,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 1 | $ 122,000 |
| Star USA Federal Credit Union ONE CANTLEY DRIVE CHARLESTON, WV 25314 |
* | $ 164,922,000 | 1 | $ 111,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 167,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 351,000 |
| Putnam County Bank P.O. BOX 308 HURRICANE, WV 25526 |
* | $ 603,197,000 | 1 | $ 300,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 148,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 150,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 160,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 83,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Midcountry Bank 7825 WASHINGTON AVE. S., STE. 120 BLOOMINGTON, MN 55439 |
* | $ 680,387,000 | 1 | $ 71,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 350,904,000 | 1 | $ 300,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 61,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 313,661,000 | 1 | $ 51,000 |
| Rock Branch Community Bank PO BOX 219 NITRO, WV 25143 |
* | $ 74,109,000 | 1 | $ 164,000 |
| Mvb Bank, Inc. 113 PLATINUM DRIVE SUITE H BRIDGEPORT, WV 26330 |
* | $ 726,507,000 | 1 | $ 87,000 |
| Camc Federal Credit Union 3400 MACCORKLE AVENUE SE CHARLESTON, WV 25304 |
* | $ 56,721,000 | 1 | $ 24,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 209,365,000 | 1 | $ 91,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ 312,134,000 | 1 | $ 150,000 |
| Citizens Deposit Bank & Trust PO BOX 9 10 SECOND STREET VANCEBURG, KY 41179 |
* | $ 374,958,000 | 1 | $ 111,000 |
The tables below break down 2013 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 2013
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 | 318 | $27,628,000 | $86,000 | $300,000 | $62,000 | $226,000 |
| Refinancing | 269 | $28,384,000 | $105,000 | $400,000 | $70,000 | $354,000 |
| Home Improvement | 134 | $4,170,000 | $31,000 | $306,000 | $56,000 | $164,000 |
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 | 655 | $52,962,000 | $80,000 | $400,000 | $65,000 | $318,000 |
| Not Provided | 35 | $4,065,000 | $116,000 | $300,000 | $80,000 | $354,000 |
| Not applicable | 26 | $3,001,000 | $115,000 | $299,000 | $20,000 | $100,000 |
| Black or African American | 3 | $73,000 | $24,000 | $65,000 | $34,000 | $42,000 |
| Hispanic | 1 | $20,000 | $20,000 | $20,000 | $38,000 | $38,000 |
| American Indian or Alaskan Native | 1 | $61,000 | $61,000 | $61,000 | $101,000 | $101,000 |
| Asian | 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) | 590 | $44,619,000 | $75,000 | $400,000 | $66,000 | $354,000 |
| FHA-insured (Federal Housing Administration) | 101 | $11,758,000 | $116,000 | $274,000 | $55,000 | $142,000 |
| VA-guaranteed (Veterans Administration) | 18 | $2,595,000 | $144,000 | $351,000 | $59,000 | $161,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,210,000 | $100,000 | $158,000 | $41,000 | $69,000 |
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 | 336 | $26,973,000 | $80,000 | $306,000 | $67,000 | $354,000 |
| Application Denied By Financial Institution | 206 | $16,262,000 | $78,000 | $351,000 | $62,000 | $226,000 |
| Application Approved But Not Accepted | 87 | $6,210,000 | $71,000 | $198,000 | $62,000 | $144,000 |
| Loan Purchased By The Institution | 51 | $5,824,000 | $114,000 | $299,000 | $47,000 | $198,000 |
| Application Withdrawn By Applicant | 28 | $3,223,000 | $115,000 | $400,000 | $65,000 | $140,000 |
| File Closed For Incompleteness | 13 | $1,690,000 | $130,000 | $251,000 | $93,000 | $242,000 |
| 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 | 54 | $3,301,000 | $61,000 | $159,000 | $61,000 | $136,000 |
| Collateral | 26 | $2,545,000 | $97,000 | $351,000 | $80,000 | $164,000 |
| Debt-To-Income Ratio | 24 | $2,057,000 | $85,000 | $296,000 | $52,000 | $161,000 |
| Credit Application Incomplete | 17 | $1,658,000 | $97,000 | $221,000 | $91,000 | $226,000 |
| Other | 10 | $1,117,000 | $111,000 | $240,000 | $73,000 | $111,000 |
| Employment History | 3 | $191,000 | $63,000 | $85,000 | $44,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $121,000 | $121,000 | $121,000 | $95,000 | $95,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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