Braxton County, WV Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 297 mortgage applications in Braxton County, WV totaling $27.7 million, down 37% from 2013. The average application was for $93,000, and applicants reported an average income of $58,000. 53% of applications resulted in an originated loan and 30% were denied. The most active lender was Premier Bank, Inc., with 90 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 | 297 |
| Total Mortgage Loan Application Amount | $27,678,000 |
| Average Mortgage Loan Application Amount | $93,000 |
| Highest Mortgage Loan Application Amount | $605,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $428,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Premier Bank, Inc. 601 WASHINGTON STREET RAVENSWOOD, WV 26164 |
* | $ 729,703,000 | 90 | $ 7,336,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 3,347,202,000 | 42 | $ 2,638,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 27 | $ 2,326,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 5,081,543,000 | 18 | $ 2,270,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 17 | $ 879,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 7 | $ 970,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 6 | $ 499,000 |
| Clay County Bank PO BOX 239 CLAY, WV 25125 |
* | $ 78,456,000 | 6 | $ 530,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ 315,106,000 | 5 | $ 377,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 5 | $ 531,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 4 | $ 641,000 |
| The State Credit Union 2200 WASHINGTON STREET, EAST, CHARLESTON, WV 25311 |
* | $ 56,980,000 | 3 | $ 324,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 298,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 59,304,805,000 | 3 | $ 258,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 3 | $ 245,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 3 | $ 663,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 176,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 2 | $ 187,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,763,439,000 | 2 | $ 89,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 2 | $ 141,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 2 | $ 260,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 271,569,000 | 2 | $ 278,000 |
| Potomac Mortgage Group, Inc. 4035 RIDGE TOP ROAD, SUITE 100 FAIRFAX, VA 22030 |
* | $ 15,000,000 | 2 | $ 174,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 251,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 141,772,000 | 2 | $ 326,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 2,575,113,000 | 2 | $ 130,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 6,124,988,000 | 1 | $ 208,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 1 | $ 160,000 |
| The Grant County Bank P. O. BOX 929 PETERSBURG, WV 26847 |
* | $ 235,700,000 | 1 | $ 232,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 144,156,000 | 1 | $ 81,000 |
| The Harvard State Bank 35 N AYER ST, PO BOX 40 HARVARD, IL 60033 |
* | $ 224,944,000 | 1 | $ 24,000 |
| Whitesville State Bank 38609 COAL RIVER ROAD WHITESVILLE, WV 25209 |
* | $ 83,133,000 | 1 | $ 39,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 110,000 |
| Westfield Bank, FSB 255 EAST 5TH ST CINCINNATI, OH 45202 |
* | $ 830,298,000 | 1 | $ 111,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 147,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,884,304,000 | 1 | $ 70,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 245,863,000 | 1 | $ 200,000 |
| Rock Branch Community Bank PO BOX 219 NITRO, WV 25143 |
* | $ 71,093,000 | 1 | $ 190,000 |
| Mvb Bank, Inc. 113 PLATINUM DRIVE SUITE H BRIDGEPORT, WV 26330 |
* | $ 976,452,000 | 1 | $ 87,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 139,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 1 | $ 170,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 276,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 1 | $ 414,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 1 | $ 155,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 100,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 208,000 |
| McLean Mortgage Corporation 11325 RANDOM HILLS RD. SUITE 400 FAIRFAX, VA 22030 |
* | $ 50,010,000 | 1 | $ 92,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 598,835,000 | 1 | $ 130,000 |
| Star USA Federal Credit Union ONE CANTLEY DRIVE CHARLESTON, WV 25314 |
* | $ 162,467,000 | 1 | $ 40,000 |
The tables below break down 2014 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 2014
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 | 142 | $13,206,000 | $93,000 | $414,000 | $59,000 | $428,000 |
| Refinancing | 123 | $13,273,000 | $107,000 | $605,000 | $59,000 | $207,000 |
| Home Improvement | 32 | $1,199,000 | $37,000 | $170,000 | $53,000 | $163,000 |
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 | 277 | $24,756,000 | $89,000 | $567,000 | $59,000 | $428,000 |
| Not Provided | 12 | $1,703,000 | $141,000 | $232,000 | $63,000 | $125,000 |
| Not applicable | 3 | $806,000 | $268,000 | $605,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $241,000 | $120,000 | $153,000 | $45,000 | $76,000 |
| Black or African American | 2 | $120,000 | $60,000 | $92,000 | $65,000 | $110,000 |
| Hispanic | 1 | $52,000 | $52,000 | $52,000 | $50,000 | $50,000 |
| 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) | 263 | $23,000,000 | $87,000 | $605,000 | $60,000 | $428,000 |
| VA-guaranteed (Veterans Administration) | 16 | $2,795,000 | $174,000 | $276,000 | $56,000 | $98,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,599,000 | $106,000 | $178,000 | $45,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $284,000 | $94,000 | $122,000 | $32,000 | $63,000 |
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 | 157 | $15,008,000 | $95,000 | $605,000 | $63,000 | $428,000 |
| Application Denied By Financial Institution | 90 | $7,739,000 | $85,000 | $303,000 | $50,000 | $163,000 |
| Application Approved But Not Accepted | 29 | $2,010,000 | $69,000 | $246,000 | $53,000 | $143,000 |
| Application Withdrawn By Applicant | 16 | $2,304,000 | $144,000 | $567,000 | $74,000 | $207,000 |
| Loan Purchased By The Institution | 3 | $444,000 | $148,000 | $276,000 | $36,000 | $61,000 |
| File Closed For Incompleteness | 2 | $173,000 | $86,000 | $139,000 | $51,000 | $62,000 |
| 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 | 19 | $1,619,000 | $85,000 | $303,000 | $52,000 | $110,000 |
| Collateral | 16 | $1,710,000 | $106,000 | $232,000 | $78,000 | $163,000 |
| Debt-To-Income Ratio | 7 | $405,000 | $57,000 | $202,000 | $27,000 | $67,000 |
| Unverifiable Information | 2 | $137,000 | $68,000 | $87,000 | $25,000 | $26,000 |
| Other | 1 | $137,000 | $137,000 | $137,000 | $82,000 | $82,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $48,000 | $48,000 | $48,000 | $21,000 | $21,000 |
| Credit Application Incomplete | 1 | $160,000 | $160,000 | $160,000 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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