Boone County, WV Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 537 mortgage applications in Boone County, WV totaling $57.6 million, up 5% from 2019. The average application was for $107,000, and applicants reported an average income of $67,000. 46% of applications resulted in an originated loan and 26% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 110 applications, followed by Truist Bank and Victorian Finance, LLC.
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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 | 537 |
| Total Mortgage Loan Application Amount | $57,585,000 |
| Average Mortgage Loan Application Amount | $107,000 |
| Highest Mortgage Loan Application Amount | $435,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $336,000 |
* 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 |
* | $ -1,000 | 110 | $ 8,050,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 36 | $ 2,710,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ -1,000 | 35 | $ 4,205,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 4,956,190,000 | 31 | $ 2,585,000 |
| Logan Bank and Trust 43 WASHINTON AVE LOGAN, WV 25601 |
* | $ 265,752,000 | 30 | $ 3,820,000 |
| Premier Bank, Inc. 601 WASHINGTON STREET RAVENSWOOD, WV 26164 |
* | $ 1,221,060,000 | 14 | $ 900,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 14 | $ 2,050,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 14 | $ 1,480,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 11 | $ 1,315,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 11 | $ 1,715,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 10 | $ 1,500,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 10 | $ 1,980,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ 19,644,548,000 | 10 | $ 1,000,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 108,739,378,000 | 8 | $ 640,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 8 | $ 980,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 2,401,941,000 | 7 | $ 1,095,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 6 | $ 530,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 5 | $ 455,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 5 | $ 375,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ 377,146,000 | 5 | $ 325,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 4 | $ 250,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 4 | $ 320,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 4 | $ 870,000 |
| The State Credit Union 2200 WASHINGTON STREET, EAST, CHARLESTON, WV 25311 |
* | $ 70,080,000 | 4 | $ 330,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 4,344,716,000 | 4 | $ 350,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 4 | $ 490,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 167,845,100,000 | 4 | $ 400,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 3 | $ 385,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 445,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 125,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 535,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 3 | $ 885,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 3 | $ 325,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 215,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 3 | $ 425,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 3 | $ 265,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ -1,000 | 2 | $ 280,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 350,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 50,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 2 | $ 180,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 15,674,361,000 | 2 | $ 190,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 2 | $ 160,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 290,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 2 | $ 270,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 340,000 |
| Premier Bank 601 CLINTON STREET YOUNGSTOWN, OH 44503 |
* | $ 3,439,822,000 | 2 | $ 770,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 2,488,033,000 | 1 | $ 35,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 1 | $ 5,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 4,694,690,000 | 1 | $ 115,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 175,000 |
| Farmers & Merchants Bank PO BOX 1111 TIMBERVILLE, VA 22853 |
* | $ 812,968,000 | 1 | $ 65,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 55,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 135,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 2,796,982,000 | 1 | $ 105,000 |
| Atlantic Union Bank 1051 EAST CARY STREET, SUITE 1200 GLEN ALLEN, VA 23060 |
* | $ 17,516,056,000 | 1 | $ 55,000 |
| Proponent FCU 536 WASHINGTON AVE. NUTLEY, NJ 07110 |
* | $ 466,600,000 | 1 | $ 145,000 |
| Ashland Credit Union 1300 CENTRAL AVE ASHLAND, KY 41101 |
* | $ 273,530,000 | 1 | $ 215,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 55,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ -1,000 | 1 | $ 135,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 13,387,533,000 | 1 | $ 105,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 216,654,000,000 | 1 | $ 55,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,453,998,000,000 | 1 | $ 135,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 143,390,269,000 | 1 | $ 125,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 95,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 135,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 55,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ -1,000 | 1 | $ 55,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 95,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 105,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 1 | $ 145,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 32,529,274,000 | 1 | $ 105,000 |
The tables below break down 2020 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 2020
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 | 309 | $31,185,000 | $100,000 | $435,000 | $58,000 | $225,000 |
| Refinancing | 100 | $14,320,000 | $143,000 | $335,000 | $78,000 | $229,000 |
| Cash-out Refinancing | 67 | $8,235,000 | $122,000 | $375,000 | $84,000 | $336,000 |
| Other Purpose | 29 | $1,805,000 | $62,000 | $185,000 | $76,000 | $157,000 |
| Home Improvement | 26 | $1,290,000 | $49,000 | $125,000 | $73,000 | $167,000 |
| Not Applicable | 6 | $750,000 | $125,000 | $235,000 | $0 | $0 |
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 | 453 | $47,395,000 | $104,000 | $435,000 | $67,000 | $336,000 |
| Not Provided | 46 | $5,670,000 | $123,000 | $335,000 | $68,000 | $192,000 |
| Not applicable | 30 | $3,760,000 | $125,000 | $235,000 | $64,000 | $133,000 |
| American Indian or Alaskan Native | 3 | $255,000 | $85,000 | $135,000 | $69,000 | $96,000 |
| Black or African American | 3 | $345,000 | $115,000 | $165,000 | $60,000 | $71,000 |
| Hispanic | 2 | $160,000 | $80,000 | $85,000 | $44,000 | $61,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 385 | $38,075,000 | $98,000 | $385,000 | $70,000 | $336,000 |
| FHA-insured (Federal Housing Administration) | 98 | $10,550,000 | $107,000 | $255,000 | $52,000 | $114,000 |
| VA-guaranteed (Veterans Administration) | 36 | $6,960,000 | $193,000 | $435,000 | $78,000 | $185,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $2,000,000 | $111,000 | $175,000 | $48,000 | $76,000 |
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 | 245 | $29,955,000 | $122,000 | $435,000 | $74,000 | $336,000 |
| Application Denied By Financial Institution | 142 | $12,870,000 | $90,000 | $275,000 | $57,000 | $225,000 |
| File Closed For Incompleteness | 47 | $3,995,000 | $85,000 | $305,000 | $57,000 | $155,000 |
| Loan Purchased By The Institution | 43 | $5,515,000 | $128,000 | $325,000 | $81,000 | $192,000 |
| Application Withdrawn By Applicant | 41 | $4,105,000 | $100,000 | $385,000 | $67,000 | $185,000 |
| Application Approved But Not Accepted | 19 | $1,145,000 | $60,000 | $95,000 | $55,000 | $110,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 359 | $41,205,000 | $114,000 | $435,000 | $69,000 | $192,000 |
| Debt-To-Income Ratio | 70 | $7,010,000 | $100,000 | $375,000 | $67,000 | $336,000 |
| Credit History | 54 | $3,960,000 | $73,000 | $205,000 | $62,000 | $167,000 |
| Unverifiable Information | 18 | $1,280,000 | $71,000 | $125,000 | $43,000 | $91,000 |
| Collateral | 18 | $2,080,000 | $115,000 | $275,000 | $66,000 | $125,000 |
| Other | 9 | $685,000 | $76,000 | $135,000 | $67,000 | $100,000 |
| Credit Application Incomplete | 5 | $765,000 | $153,000 | $235,000 | $69,000 | $88,000 |
| Employment History | 2 | $350,000 | $175,000 | $195,000 | $75,000 | $103,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $250,000 | $125,000 | $135,000 | $44,000 | $48,000 |
| 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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