Calhoun County, WV Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 103 mortgage applications in Calhoun County, WV totaling $10.4 million, up 4% from 2018. The average application was for $100,000, and applicants reported an average income of $67,000. 42% of applications resulted in an originated loan and 33% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 19 applications, followed by The Poca Valley Bank and Clay County Bank.
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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 | 103 |
| Total Mortgage Loan Application Amount | $10,355,000 |
| Average Mortgage Loan Application Amount | $100,000 |
| Highest Mortgage Loan Application Amount | $575,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $246,000 |
| 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 | 19 | $ 1,505,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ 372,430,000 | 16 | $ 1,600,000 |
| Clay County Bank PO BOX 239 CLAY, WV 25125 |
* | $ 94,907,000 | 5 | $ 665,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ 19,247,276,000 | 4 | $ 400,000 |
| First Neighborhood Bank 216 MARKET STREET SPENCER, WV 25276 |
* | $ 134,513,000 | 4 | $ 550,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 4 | $ 230,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 4 | $ 330,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 255,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 108,672,320,000 | 2 | $ 150,000 |
| Premier Bank, Inc. 601 WASHINGTON STREET RAVENSWOOD, WV 26164 |
* | $ 1,239,307,000 | 2 | $ 100,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 110,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 12,440,252,000 | 2 | $ 80,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 2 | $ 200,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 210,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 4,835,856,000 | 2 | $ 150,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 2 | $ 280,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 2 | $ 220,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,060,792,000 | 2 | $ 200,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 215,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 145,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,933,790,000 | 1 | $ 75,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 65,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 85,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 165,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 4,426,972,000 | 1 | $ 135,000 |
| Wv Central Federal Credit Union 1306 MURDOCH AVE PARKERSBURG, WV 26101 |
* | $ 187,214,000 | 1 | $ 85,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ -1,000 | 1 | $ 85,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 144,453,358,000 | 1 | $ 155,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 1 | $ 115,000 |
| Peoples Bank 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 3,986,345,000 | 1 | $ 65,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 85,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 1 | $ 575,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 1 | $ 65,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 165,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 1 | $ 105,000 |
The tables below break down 2019 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 2019
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 | 67 | $6,125,000 | $91,000 | $335,000 | $61,000 | $233,000 |
| Cash-out Refinancing | 13 | $1,365,000 | $105,000 | $215,000 | $60,000 | $115,000 |
| Refinancing | 12 | $1,550,000 | $129,000 | $575,000 | $67,000 | $131,000 |
| Home Improvement | 7 | $915,000 | $130,000 | $405,000 | $105,000 | $246,000 |
| Other Purpose | 4 | $400,000 | $100,000 | $125,000 | $128,000 | $246,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 96 | $9,430,000 | $98,000 | $575,000 | $67,000 | $246,000 |
| Not Provided | 4 | $670,000 | $167,000 | $265,000 | $85,000 | $119,000 |
| Not applicable | 3 | $255,000 | $85,000 | $85,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 77 | $7,705,000 | $100,000 | $575,000 | $71,000 | $246,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,520,000 | $108,000 | $215,000 | $53,000 | $101,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $815,000 | $90,000 | $175,000 | $45,000 | $60,000 |
| VA-guaranteed (Veterans Administration) | 3 | $315,000 | $105,000 | $115,000 | $85,000 | $85,000 |
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 | 43 | $4,245,000 | $98,000 | $405,000 | $72,000 | $246,000 |
| Application Denied By Financial Institution | 34 | $3,470,000 | $102,000 | $575,000 | $56,000 | $173,000 |
| Application Withdrawn By Applicant | 10 | $1,160,000 | $116,000 | $215,000 | $78,000 | $202,000 |
| File Closed For Incompleteness | 10 | $860,000 | $86,000 | $165,000 | $60,000 | $140,000 |
| Loan Purchased By The Institution | 4 | $380,000 | $95,000 | $125,000 | $246,000 | $246,000 |
| Application Approved But Not Accepted | 2 | $240,000 | $120,000 | $135,000 | $52,000 | $61,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 51 | $4,805,000 | $94,000 | $215,000 | $70,000 | $246,000 |
| Debt-To-Income Ratio | 33 | $3,465,000 | $105,000 | $405,000 | $68,000 | $233,000 |
| Credit History | 9 | $1,175,000 | $130,000 | $575,000 | $58,000 | $173,000 |
| Other | 3 | $305,000 | $101,000 | $145,000 | $53,000 | $76,000 |
| Unverifiable Information | 3 | $215,000 | $71,000 | $125,000 | $43,000 | $57,000 |
| Collateral | 2 | $200,000 | $100,000 | $155,000 | $70,000 | $82,000 |
| Credit Application Incomplete | 2 | $190,000 | $95,000 | $115,000 | $71,000 | $85,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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