Boone County, WV Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 518 mortgage applications in Boone County, WV totaling $55.4 million, up 6% from 2022. The average application was for $106,000, and applicants reported an average income of $73,000. 38% of applications resulted in an originated loan and 33% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 105 applications, followed by Whitesville State Bank and City National Bank of Wv.
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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 | 518 |
| Total Mortgage Loan Application Amount | $55,410,000 |
| Average Mortgage Loan Application Amount | $106,000 |
| Highest Mortgage Loan Application Amount | $625,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $350,000 |
* 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 | 105 | $ 9,995,000 |
| Whitesville State Bank 38609 COAL RIVER ROAD WHITESVILLE, WV 25209 |
* | $ 125,241,000 | 35 | $ 2,515,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 5,832,156,000 | 33 | $ 1,725,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 33 | $ 2,165,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 2,040,399,000 | 27 | $ 3,855,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 21 | $ 2,905,000 |
| Logan Bank and Trust 43 WASHINTON AVE LOGAN, WV 25601 |
* | $ 322,312,000 | 21 | $ 2,025,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 19 | $ 1,355,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 12 | $ 1,540,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 12 | $ 1,420,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 12 | $ 1,550,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 12 | $ 820,000 |
| Peoples Bank 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 7,197,574,000 | 11 | $ 1,005,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 9 | $ 1,625,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ -1,000 | 8 | $ 1,250,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 8 | $ 1,090,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 7 | $ 705,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 6 | $ 660,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ 29,430,409,000 | 6 | $ 650,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 6 | $ 1,480,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 5 | $ 635,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 5 | $ 715,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 5 | $ 1,015,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 5 | $ 515,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 5 | $ 605,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 4 | $ 230,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 4 | $ 1,240,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ 495,448,000 | 4 | $ 530,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 4 | $ 370,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 3 | $ 295,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 16,894,686,000 | 3 | $ 275,000 |
| Ashland Credit Union 1300 CENTRAL AVE ASHLAND, KY 41101 |
* | $ 351,968,000 | 3 | $ 335,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 295,000 |
| West Virginia Federal Credit Union 318 5TH AVENUE SOUTH CHARLESTON, WV 25303 |
* | $ 133,841,000 | 2 | $ 70,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 2 | $ 270,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 1 | $ 5,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ -1,000 | 1 | $ 195,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ -1,000 | 1 | $ 145,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 215,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 155,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 65,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 5,351,295,000 | 1 | $ 65,000 |
| Commonwealth One Federal Credit Union 4875 EISENHOWER AVE ALEXANDRIA, VA 22304 |
* | $ 533,084,000 | 1 | $ 65,000 |
| Star USA Federal Credit Union ONE CANTLEY DRIVE CHARLESTON, WV 25314 |
* | $ 170,957,000 | 1 | $ 135,000 |
| Camc Federal Credit Union 3400 MACCORKLE AVENUE SE CHARLESTON, WV 25304 |
* | $ 80,420,000 | 1 | $ 75,000 |
| The Park National Bank 50 N THIRD STREET NEWARK, OH 43055 |
* | $ 9,815,951,000 | 1 | $ 195,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 200,262,969,000 | 1 | $ 35,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 155,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 105,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 75,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 105,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 165,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 125,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ 607,423,000 | 1 | $ 285,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 1 | $ 125,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 285,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 105,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 1 | $ 45,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 125,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 225,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 181,890,000,000 | 1 | $ 105,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 1 | $ 95,000 |
| Putnam County Bank P.O. BOX 308 HURRICANE, WV 25526 |
* | $ 634,206,000 | 1 | $ 105,000 |
| Fayette County National Bank PO BOX 209 FAYETTEVILLE, WV 25840 |
* | $ 143,807,000 | 1 | $ 25,000 |
The tables below break down 2023 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 2023
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 | 345 | $42,795,000 | $124,000 | $625,000 | $72,000 | $275,000 |
| Other Purpose | 56 | $3,430,000 | $61,000 | $205,000 | $68,000 | $171,000 |
| Home Improvement | 44 | $1,930,000 | $43,000 | $105,000 | $78,000 | $267,000 |
| Cash-out Refinancing | 42 | $4,650,000 | $110,000 | $325,000 | $70,000 | $146,000 |
| Refinancing | 29 | $2,525,000 | $87,000 | $295,000 | $99,000 | $350,000 |
| Not Applicable | 2 | $80,000 | $40,000 | $45,000 | $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 | 458 | $47,590,000 | $103,000 | $625,000 | $73,000 | $275,000 |
| Not Provided | 29 | $3,455,000 | $119,000 | $225,000 | $79,000 | $350,000 |
| Not applicable | 26 | $3,850,000 | $148,000 | $485,000 | $42,000 | $42,000 |
| Asian | 2 | $100,000 | $50,000 | $75,000 | $32,000 | $37,000 |
| Black or African American | 2 | $350,000 | $175,000 | $265,000 | $73,000 | $91,000 |
| Hispanic | 1 | $65,000 | $65,000 | $65,000 | $33,000 | $33,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 389 | $36,225,000 | $93,000 | $625,000 | $75,000 | $350,000 |
| FHA-insured (Federal Housing Administration) | 91 | $11,945,000 | $131,000 | $305,000 | $64,000 | $183,000 |
| VA-guaranteed (Veterans Administration) | 25 | $5,545,000 | $221,000 | $485,000 | $84,000 | $250,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,695,000 | $130,000 | $185,000 | $55,000 | $89,000 |
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 | 196 | $23,000,000 | $117,000 | $625,000 | $79,000 | $275,000 |
| Application Denied By Financial Institution | 170 | $15,010,000 | $88,000 | $325,000 | $69,000 | $350,000 |
| File Closed For Incompleteness | 53 | $4,595,000 | $86,000 | $305,000 | $59,000 | $196,000 |
| Application Withdrawn By Applicant | 49 | $6,155,000 | $125,000 | $325,000 | $75,000 | $172,000 |
| Application Approved But Not Accepted | 25 | $2,935,000 | $117,000 | $315,000 | $79,000 | $205,000 |
| Loan Purchased By The Institution | 25 | $3,715,000 | $148,000 | $485,000 | $72,000 | $103,000 |
| 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 | 320 | $38,190,000 | $119,000 | $625,000 | $75,000 | $275,000 |
| Credit History | 74 | $6,210,000 | $83,000 | $255,000 | $76,000 | $350,000 |
| Debt-To-Income Ratio | 68 | $6,130,000 | $90,000 | $295,000 | $62,000 | $158,000 |
| Unverifiable Information | 25 | $2,235,000 | $89,000 | $175,000 | $72,000 | $118,000 |
| Collateral | 16 | $1,360,000 | $85,000 | $325,000 | $73,000 | $138,000 |
| Credit Application Incomplete | 9 | $715,000 | $79,000 | $195,000 | $101,000 | $160,000 |
| Other | 4 | $400,000 | $100,000 | $175,000 | $107,000 | $131,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $170,000 | $85,000 | $155,000 | $96,000 | $139,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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