Braxton County, WV Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 491 mortgage applications in Braxton County, WV totaling $35.6 million, down 21% from 2007. The average application was for $72,000, and applicants reported an average income of $58,000. 58% of applications resulted in an originated loan and 28% were denied. The most active lender was Bank of Gassaway, with 223 applications, followed by City National Bank of Wv and Beneficial Company 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 | 491 |
| Total Mortgage Loan Application Amount | $35,644,000 |
| Average Mortgage Loan Application Amount | $72,000 |
| Highest Mortgage Loan Application Amount | $797,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $873,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bank of Gassaway 700 ELK ST. GASSAWAY, WV 26624 |
* | $ 146,348,000 | 223 | $ 13,814,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,462,991,000 | 52 | $ 2,977,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 36 | $ 3,248,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 127,698,351,000 | 17 | $ 1,398,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 15 | $ 1,279,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 15 | $ 1,578,000 |
| Wells Fargo Finl West Virginia 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 12 | $ 1,354,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 4,255,983,000 | 11 | $ 686,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 10 | $ 887,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 9 | $ 797,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 9 | $ 425,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 54,098,791,000 | 7 | $ 600,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 6 | $ 494,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 6 | $ 732,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 6 | $ 216,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 5 | $ 276,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 5 | $ 326,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 4,031,156,000 | 4 | $ 548,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 4 | $ 401,000 |
| First Community Bank, N. A. P O BOX 989 BLUEFIELD, VA 24605 |
* | $ 2,130,805,000 | 4 | $ 506,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 3 | $ 348,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 213,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 2 | $ 39,000 |
| Citizens Nb of Paintsville PO BOX 1488 PAINTSVILLE, KY 41240 |
* | $ 548,397,000 | 2 | $ 106,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 266,672,000 | 2 | $ 242,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 56,294,475,000 | 1 | $ 82,000 |
| Community First Bank 3725 OLD COURT ROAD BALTIMORE, MD 21208 |
* | $ 66,540,000 | 1 | $ 106,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 413,286,000 | 1 | $ 21,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 33,011,920,000 | 1 | $ 78,000 |
| Security Bank 510 E. MONROE ST SPRINGFIELD, IL 62701 |
* | $ 176,011,000 | 1 | $ 30,000 |
| Centra Bank Inc (Wv) 990 ELMER PRINCE DRIVE MORGANTOWN, WV 26505 |
* | $ 1,084,237,000 | 1 | $ 14,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 1 | $ 250,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 45,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 50,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 1 | $ 114,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 72,000 |
| Progressive Bank, National Association 1701 WARWOOD AVENUE, PO BOX 4075 WHEELING, WV 26003 |
* | $ 252,697,000 | 1 | $ 10,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 77,748,330,000 | 1 | $ 33,000 |
| Clay County Bank PO BOX 239 CLAY, WV 25125 |
* | $ 63,424,000 | 1 | $ 107,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 61,450,273,000 | 1 | $ 73,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 106,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 1 | $ 132,000 |
| Security Atlantic Wholesale 499 THORNALL ST, SUITE 220 EDISON, NJ 08837 |
* | $ 10,000,000 | 1 | $ 93,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 143,000 |
The tables below break down 2008 mortgage applications in Braxton 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 Braxton County, WV in 2008
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 |
|---|---|---|---|---|---|---|
| Refinancing | 281 | $22,386,000 | $79,000 | $797,000 | $63,000 | $873,000 |
| Home Purchase | 151 | $10,696,000 | $70,000 | $282,000 | $48,000 | $487,000 |
| Home Improvement | 59 | $2,562,000 | $43,000 | $171,000 | $55,000 | $336,000 |
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 | 464 | $33,302,000 | $71,000 | $797,000 | $58,000 | $873,000 |
| Not Provided | 17 | $1,451,000 | $85,000 | $195,000 | $56,000 | $92,000 |
| Not applicable | 6 | $751,000 | $125,000 | $250,000 | $55,000 | $153,000 |
| Black or African American | 2 | $61,000 | $30,000 | $33,000 | $47,000 | $62,000 |
| Hispanic | 2 | $79,000 | $39,000 | $50,000 | $61,000 | $102,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 463 | $32,383,000 | $69,000 | $797,000 | $58,000 | $873,000 |
| FHA-insured (Federal Housing Administration) | 25 | $2,624,000 | $104,000 | $236,000 | $55,000 | $180,000 |
| VA-guaranteed (Veterans Administration) | 2 | $500,000 | $250,000 | $250,000 | $38,000 | $76,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $137,000 | $137,000 | $137,000 | $57,000 | $57,000 |
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 | 285 | $20,413,000 | $71,000 | $797,000 | $60,000 | $765,000 |
| Application Denied By Financial Institution | 136 | $9,504,000 | $69,000 | $260,000 | $48,000 | $180,000 |
| Application Withdrawn By Applicant | 35 | $2,712,000 | $77,000 | $236,000 | $80,000 | $873,000 |
| Application Approved But Not Accepted | 12 | $744,000 | $62,000 | $156,000 | $55,000 | $113,000 |
| Loan Purchased By The Institution | 12 | $1,286,000 | $107,000 | $250,000 | $54,000 | $153,000 |
| File Closed For Incompleteness | 11 | $985,000 | $89,000 | $146,000 | $61,000 | $84,000 |
| 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 | 41 | $2,042,000 | $49,000 | $232,000 | $41,000 | $132,000 |
| Collateral | 13 | $951,000 | $73,000 | $171,000 | $62,000 | $89,000 |
| Debt-To-Income Ratio | 12 | $867,000 | $72,000 | $141,000 | $35,000 | $107,000 |
| Credit Application Incomplete | 3 | $290,000 | $96,000 | $137,000 | $37,000 | $57,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $198,000 | $66,000 | $73,000 | $33,000 | $47,000 |
| Other | 3 | $222,000 | $74,000 | $80,000 | $43,000 | $90,000 |
| Unverifiable Information | 1 | $56,000 | $56,000 | $56,000 | $19,000 | $19,000 |
| 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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