Braxton County, WV Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 495 mortgage applications in Braxton County, WV totaling $38.2 million, up 6% from 2010. The average application was for $77,000, and applicants reported an average income of $61,000. 67% of applications resulted in an originated loan and 16% were denied. The most active lender was Bank of Gassaway, with 260 applications, followed by City National Bank of Wv and Vanderbilt Mortgage and Finance, 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 | 495 |
| Total Mortgage Loan Application Amount | $38,165,000 |
| Average Mortgage Loan Application Amount | $77,000 |
| Highest Mortgage Loan Application Amount | $550,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $1,346,000 |
| 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 |
* | $ 162,103,000 | 260 | $ 16,039,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,613,220,000 | 52 | $ 4,332,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 24 | $ 1,674,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 17 | $ 1,955,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 3,465,028,000 | 15 | $ 791,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 15 | $ 1,509,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 10 | $ 1,125,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 9 | $ 529,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 2,227,739,000 | 8 | $ 728,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 7 | $ 721,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 6 | $ 836,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 6 | $ 846,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,919,054,000 | 6 | $ 336,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 5,348,107,000 | 5 | $ 450,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 4 | $ 524,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 4 | $ 406,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 52,799,993,000 | 4 | $ 426,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 3 | $ 278,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 267,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 323,000 |
| Citizens Nb of Paintsville PO BOX 1488 PAINTSVILLE, KY 41240 |
* | $ 577,869,000 | 2 | $ 81,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 2 | $ 230,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 2 | $ 295,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 2 | $ 293,000 |
| Clay County Bank PO BOX 239 CLAY, WV 25125 |
* | $ 72,226,000 | 2 | $ 147,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,001,416,000 | 2 | $ 130,000 |
| Pioneer Appalachia Federal Credit Union 1316 KANAWHA BLVD., E. CHARLESTON, WV 25301 |
* | $ 126,114,000 | 2 | $ 194,000 |
| Camc Federal Credit Union 3400 MACCORKLE AVENUE SE CHARLESTON, WV 25304 |
* | $ 52,376,000 | 1 | $ 9,000 |
| The State Credit Union 2200 WASHINGTON STREET, EAST, CHARLESTON, WV 25311 |
* | $ 45,887,000 | 1 | $ 123,000 |
| First Trust Bank of Illinois 275 E COURT ST KANKAKEE, IL 60901 |
* | $ 215,175,000 | 1 | $ 57,000 |
| Premier Bank, Inc. 601 WASHINGTON STREET RAVENSWOOD, WV 26164 |
* | $ 171,721,000 | 1 | $ 39,000 |
| First Bank of Charleston, Inc. 201 PENNSYLVANIA AVE CHARLESTON, WV 25302 |
* | $ 171,503,000 | 1 | $ 56,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 512,226,000 | 1 | $ 75,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 168,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 179,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 267,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 12,658,976,000 | 1 | $ 111,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 90,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 1 | $ 83,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 131,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 182,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 119,000 |
The tables below break down 2011 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 2011
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 | 287 | $24,427,000 | $85,000 | $550,000 | $65,000 | $1,346,000 |
| Home Purchase | 155 | $11,434,000 | $73,000 | $477,000 | $56,000 | $501,000 |
| Home Improvement | 53 | $2,304,000 | $43,000 | $231,000 | $56,000 | $480,000 |
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 | 469 | $35,150,000 | $74,000 | $550,000 | $60,000 | $1,346,000 |
| Not Provided | 20 | $2,327,000 | $116,000 | $408,000 | $112,000 | $480,000 |
| Not applicable | 4 | $556,000 | $139,000 | $181,000 | $0 | $0 |
| Black or African American | 2 | $132,000 | $66,000 | $66,000 | $68,000 | $68,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 454 | $33,804,000 | $74,000 | $550,000 | $63,000 | $1,346,000 |
| FHA-insured (Federal Housing Administration) | 33 | $3,517,000 | $106,000 | $267,000 | $44,000 | $165,000 |
| VA-guaranteed (Veterans Administration) | 6 | $655,000 | $109,000 | $165,000 | $49,000 | $134,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $189,000 | $94,000 | $119,000 | $25,000 | $29,000 |
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 | 330 | $23,775,000 | $72,000 | $550,000 | $63,000 | $1,346,000 |
| Application Denied By Financial Institution | 79 | $6,407,000 | $81,000 | $477,000 | $62,000 | $480,000 |
| Application Approved But Not Accepted | 37 | $2,919,000 | $78,000 | $246,000 | $61,000 | $311,000 |
| Application Withdrawn By Applicant | 34 | $2,978,000 | $87,000 | $408,000 | $56,000 | $311,000 |
| Loan Purchased By The Institution | 11 | $1,703,000 | $154,000 | $267,000 | $33,000 | $113,000 |
| File Closed For Incompleteness | 4 | $383,000 | $95,000 | $153,000 | $45,000 | $120,000 |
| 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 | 30 | $2,196,000 | $73,000 | $175,000 | $76,000 | $480,000 |
| Collateral | 11 | $1,518,000 | $138,000 | $477,000 | $79,000 | $160,000 |
| Debt-To-Income Ratio | 8 | $303,000 | $37,000 | $85,000 | $27,000 | $42,000 |
| Other | 4 | $348,000 | $87,000 | $155,000 | $27,000 | $45,000 |
| Credit Application Incomplete | 3 | $322,000 | $107,000 | $160,000 | $58,000 | $94,000 |
| Unverifiable Information | 2 | $272,000 | $136,000 | $195,000 | $37,000 | $57,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $165,000 | $82,000 | $87,000 | $60,000 | $73,000 |
| 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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