Calhoun County, WV Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 89 mortgage applications in Calhoun County, WV totaling $8.0 million, up 3% from 2016. The average application was for $90,000, and applicants reported an average income of $51,000. 27% of applications resulted in an originated loan and 42% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 20 applications, followed by First Neighborhood Bank and Premier Bank, 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 | 89 |
| Total Mortgage Loan Application Amount | $8,043,000 |
| Average Mortgage Loan Application Amount | $90,000 |
| Highest Mortgage Loan Application Amount | $261,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $190,000 |
| 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 | 20 | $ 1,218,000 |
| First Neighborhood Bank 216 MARKET STREET SPENCER, WV 25276 |
* | $ 147,910,000 | 9 | $ 616,000 |
| Premier Bank, Inc. 601 WASHINGTON STREET RAVENSWOOD, WV 26164 |
* | $ 1,075,790,000 | 8 | $ 662,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ 342,939,000 | 7 | $ 844,000 |
| Peoples Bank 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 3,420,466,000 | 5 | $ 504,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 4 | $ 327,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 520,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 214,433,035,000 | 3 | $ 334,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 3 | $ 356,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 99,554,985,000 | 2 | $ 167,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 2 | $ 140,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ -1,000 | 2 | $ 333,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ 9,017,236,000 | 2 | $ 158,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 113,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,883,786,000 | 1 | $ 127,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 49,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 71,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 239,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 1 | $ 200,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 56,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 1 | $ 60,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 9,760,557,000 | 1 | $ 3,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 239,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 21,301,361,000 | 1 | $ 60,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 1,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 115,000 |
The tables below break down 2017 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 2017
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 | 56 | $4,912,000 | $87,000 | $261,000 | $55,000 | $190,000 |
| Refinancing | 25 | $2,617,000 | $104,000 | $239,000 | $44,000 | $108,000 |
| Home Improvement | 8 | $514,000 | $64,000 | $173,000 | $43,000 | $88,000 |
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 | 75 | $6,494,000 | $86,000 | $261,000 | $51,000 | $190,000 |
| Not Provided | 10 | $756,000 | $75,000 | $151,000 | $53,000 | $136,000 |
| Not applicable | 2 | $439,000 | $219,000 | $239,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $115,000 | $115,000 | $115,000 | $23,000 | $23,000 |
| Hispanic | 1 | $239,000 | $239,000 | $239,000 | $105,000 | $105,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 78 | $7,222,000 | $92,000 | $261,000 | $52,000 | $190,000 |
| FHA-insured (Federal Housing Administration) | 10 | $765,000 | $76,000 | $151,000 | $41,000 | $97,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $56,000 | $56,000 | $56,000 | $29,000 | $29,000 |
| VA-guaranteed (Veterans Administration) | 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 | 37 | $3,075,000 | $83,000 | $190,000 | $40,000 | $108,000 |
| Loan Originated | 24 | $2,575,000 | $107,000 | $261,000 | $63,000 | $190,000 |
| Application Approved But Not Accepted | 11 | $961,000 | $87,000 | $162,000 | $64,000 | $122,000 |
| File Closed For Incompleteness | 11 | $763,000 | $69,000 | $136,000 | $47,000 | $78,000 |
| Application Withdrawn By Applicant | 4 | $230,000 | $57,000 | $65,000 | $80,000 | $136,000 |
| Loan Purchased By The Institution | 2 | $439,000 | $219,000 | $239,000 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 6 | $540,000 | $90,000 | $173,000 | $51,000 | $88,000 |
| Credit History | 6 | $564,000 | $94,000 | $154,000 | $53,000 | $108,000 |
| Credit Application Incomplete | 3 | $382,000 | $127,000 | $171,000 | $63,000 | $94,000 |
| Debt-To-Income Ratio | 2 | $96,000 | $48,000 | $55,000 | $17,000 | $20,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $71,000 | $71,000 | $71,000 | $31,000 | $31,000 |
| Other | 1 | $69,000 | $69,000 | $69,000 | $28,000 | $28,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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