Calhoun County, WV Mortgage Lenders & HMDA Data, 2003
In 2003, lenders reported 227 mortgage applications in Calhoun County, WV totaling $13.4 million. The average application was for $58,000, and applicants reported an average income of $42,000. 29% of applications resulted in an originated loan and 42% were denied. The most active lender was Vanderbilt Mortgage, with 34 applications, followed by Beneficial and Chase Manhattan Bank USA, NA.
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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 | 227 |
| Total Mortgage Loan Application Amount | $13,363,000 |
| Average Mortgage Loan Application Amount | $58,000 |
| Highest Mortgage Loan Application Amount | $500,000 |
| Average Applicant Income | $42,000 |
| Highest Applicant Income | $240,000 |
* 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 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 34 | $ 1,399,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 22 | $ 1,256,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 32,738,033,000 | 18 | $ 709,000 |
| Wells Fargo Home Mortgage 1 HOME CAMPUS, X9902-1R DES MOINES, IA 50328 |
* | $ 35,000,000,000 | 14 | $ 1,123,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 3,462,208,000 | 12 | $ 503,000 |
| Bank One, NA 45303 VAN DYKE SUITE 9048 UTICA, MI 48317 |
* | $ 53,001,000,000 | 8 | $ 411,000 |
| Citifinancial Mortgage Company 1111 NORTHPOINT DRIVE COPPELL, TX 75019 |
* | $ 1,097,190,000,000 | 7 | $ 306,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 8,190,484,000 | 7 | $ 368,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 3,286,404,000 | 6 | $ 373,000 |
| Synergy Mortgage Corp. 510 N. VALLEY MILLS DRIVE SUITE 101 WACO, TX 76710 |
* | $ 10,000,000 | 6 | $ 423,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 5 | $ 319,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 5 | $ 282,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 65,629,555,000 | 4 | $ 258,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 58,034,697,000 | 4 | $ 345,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 266,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ 199,522,000 | 4 | $ 107,000 |
| Traders Bank Inc PO BOX 1009 SPENCER, WV 25276 |
* | $ 125,685,000 | 4 | $ 119,000 |
| The Cit Group/Consumer Finance 650 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 1,358,138,000 | 3 | $ 186,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 400,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 3 | $ 223,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 3 | $ 231,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 3 | $ 107,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 3 | $ 89,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,020,565,000 | 3 | $ 61,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 3 | $ 221,000 |
| Chase Manhattan Mortgage Corp 343 THORNALL STREET EDISON, NJ 08837 |
* | $ 622,388,000,000 | 2 | $ 185,000 |
| Aames Funding Corporation 15090 AVENUE OF SCIENCE SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 2 | $ 100,000 |
| Full Spectrum Lending 35 N. LAKE AVENUE MS 55-11 PASADENA, CA 91101 |
* | $ 58,034,697,000 | 2 | $ 149,000 |
| Peoples Bank, National Associa 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 1,384,712,000 | 2 | $ 657,000 |
| Oakwood Acceptance Corporation 7800 MCCLOUD ROAD GREENSBORO, NC 27409 |
* | $ 10,000,000 | 2 | $ 162,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 1,708,852,000 | 2 | $ 75,000 |
| National Bank of Commerce ONE COMMERCE SQUARE, 4TH FLOOR MEMPHIS, TN 38150 |
* | $ 21,299,966,000 | 2 | $ 153,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 4,586,886,000 | 2 | $ 103,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 27,399,278,000 | 2 | $ 52,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 17,573,420,000 | 2 | $ 167,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 236,422,336,000 | 2 | $ 87,000 |
| Wells Fargo Finl West Virginia 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 19,044,723,000 | 1 | $ 47,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 55,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 115,148,694,000 | 1 | $ 36,000 |
| Pioneer Appalachia Federal Credit Union 1316 KANAWHA BLVD., E. CHARLESTON, WV 25301 |
* | $ 112,254,000 | 1 | $ 196,000 |
| Rbmg, Inc 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 3,000,000,000 | 1 | $ 149,000 |
| Nexstar Financial Corporation 19 RESEARCH PARK COURT ST. CHARLES, MO 63304 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 1 | $ 65,000 |
| Forward Financial 70 GRAY ROAD WEST FALMOUTH, ME 04105 |
* | $ 43,255,000 | 1 | $ 66,000 |
| Franklin Mortgage Funding 25800 NORTHWESTERN HWY SUITE 875 SOUTHFIELD, MI 48075 |
* | $ 10,000,000 | 1 | $ 103,000 |
| Fremont Investment & Loan 2727 E. IMPERIAL HIGHWAY BREA, CA 92821 |
* | $ 6,363,082,000 | 1 | $ 64,000 |
| American Home Mortgage Corp. 538 BROADHOLLOW RD MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Emmco, LLC 113 REED AVENUE LEXINGTON, SC 29072 |
* | $ 10,000,000 | 1 | $ 40,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 23,392,515,000 | 1 | $ 75,000 |
| Conseco Bank, Inc. 2825 E. COTTONWOOD PARKWAY, SUITE 230 SALT LAKE CITY, UT 84121 |
* | $ 3,042,016,000 | 1 | $ 65,000 |
| Cuna Mutual Mortgage Corporati 2908 MARKETPLACE DRIVE SUITE 100 MADISON, WI 53719 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Decision One Mortgage 6060 J.A. JONES DRIVE CHARLOTTE, NC 28287 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Downey Savings and Loan 3501 JAMBOREE ROAD NEWPORT BEACH, CA 92660 |
* | $ 11,973,483,000 | 1 | $ 70,000 |
The tables below break down 2003 mortgage applications in Calhoun 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 Calhoun County, WV in 2003
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 (home purchase or home improvement, one-to-four family) | 117 | $7,634,000 | $65,000 | $500,000 | $44,000 | $240,000 |
| Home Purchase (one-to-four family) | 102 | $5,372,000 | $52,000 | $196,000 | $39,000 | $124,000 |
| Home Improvement (one-to-four family) | 7 | $163,000 | $23,000 | $71,000 | $42,000 | $72,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 1 | $194,000 | $194,000 | $194,000 | $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 | 182 | $10,400,000 | $57,000 | $500,000 | $42,000 | $240,000 |
| Information not provided by applicant in mail or telephone application | 35 | $2,300,000 | $65,000 | $261,000 | $39,000 | $88,000 |
| Not applicable | 5 | $330,000 | $66,000 | $194,000 | $4,000 | $17,000 |
| Hispanic | 3 | $206,000 | $68,000 | $89,000 | $75,000 | $161,000 |
| Black | 1 | $45,000 | $45,000 | $45,000 | $18,000 | $18,000 |
| American Indian or Alaskan Native | 1 | $82,000 | $82,000 | $82,000 | $97,000 | $97,000 |
| Asian or Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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) | 221 | $13,024,000 | $58,000 | $500,000 | $42,000 | $240,000 |
| FHA-insured (Federal Housing Administration) | 4 | $175,000 | $43,000 | $66,000 | $18,000 | $39,000 |
| VA-guaranteed (Veterans Administration) | 2 | $164,000 | $82,000 | $135,000 | $39,000 | $79,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 96 | $5,062,000 | $52,000 | $150,000 | $35,000 | $110,000 |
| Loan Originated | 66 | $4,815,000 | $72,000 | $500,000 | $54,000 | $240,000 |
| Application Approved But Not Accepted | 29 | $1,487,000 | $51,000 | $160,000 | $38,000 | $121,000 |
| Application Withdrawn By Applicant | 25 | $1,398,000 | $55,000 | $165,000 | $46,000 | $180,000 |
| Loan Purchased By The Institution | 8 | $409,000 | $51,000 | $103,000 | $20,000 | $54,000 |
| File Closed For Incompleteness | 3 | $192,000 | $64,000 | $104,000 | $24,000 | $39,000 |
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 | 25 | $1,074,000 | $42,000 | $103,000 | $31,000 | $82,000 |
| Other | 22 | $1,141,000 | $51,000 | $90,000 | $39,000 | $64,000 |
| Debt-To-Income Ratio | 8 | $551,000 | $68,000 | $125,000 | $35,000 | $45,000 |
| Collateral | 6 | $406,000 | $67,000 | $80,000 | $58,000 | $110,000 |
| Credit Application Incomplete | 2 | $66,000 | $33,000 | $36,000 | $37,000 | $39,000 |
| Unverifiable Information | 1 | $44,000 | $44,000 | $44,000 | $32,000 | $32,000 |
| Employment History | 1 | $40,000 | $40,000 | $40,000 | $30,000 | $30,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 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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