Clay County, WV Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 311 mortgage applications in Clay County, WV totaling $19.2 million, down 12% from 2009. The average application was for $61,000, and applicants reported an average income of $52,000. 67% of applications resulted in an originated loan and 17% were denied. The most active lender was Clay County Bank, with 142 applications, followed by Bank of Gassaway and The Poca Valley 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 | 311 |
| Total Mortgage Loan Application Amount | $19,210,000 |
| Average Mortgage Loan Application Amount | $61,000 |
| Highest Mortgage Loan Application Amount | $270,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $421,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Clay County Bank PO BOX 239 CLAY, WV 25125 |
* | $ 72,064,000 | 142 | $ 7,737,000 |
| Bank of Gassaway 700 ELK ST. GASSAWAY, WV 26624 |
* | $ 165,992,000 | 36 | $ 1,700,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ 297,250,000 | 21 | $ 1,362,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 11 | $ 1,045,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 11 | $ 871,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 9 | $ 435,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,601,971,000 | 8 | $ 161,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 7 | $ 277,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 51,111,245,000 | 6 | $ 807,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 5 | $ 417,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 4 | $ 295,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 211,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 4 | $ 531,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,072,308,000 | 3 | $ 122,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 3 | $ 192,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 126,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 164,340,844,000 | 2 | $ 15,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 2 | $ 322,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 2 | $ 172,000 |
| United Midwest Savings Bank 101 S MAIN ST DEGRAFF, OH 43318 |
* | $ 266,952,000 | 2 | $ 183,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 2 | $ 132,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 245,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 176,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 114,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 97,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,867,638,000 | 1 | $ 77,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 170,688,000 | 1 | $ 56,000 |
| River Valley Credit Union 505 EARL BLVD MIAMISBURG, OH 45342 |
* | $ 172,419,000 | 1 | $ 48,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 1 | $ 48,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 1 | $ 97,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 130,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 1 | $ 122,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 349,760,000 | 1 | $ 83,000 |
| Putnam County Bank P.O. BOX 308 HURRICANE, WV 25526 |
* | $ 515,915,000 | 1 | $ 33,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 1 | $ 93,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 484,362,000 | 1 | $ 5,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 72,000 |
| Security Bank 510 E. MONROE ST SPRINGFIELD, IL 62701 |
* | $ 167,806,000 | 1 | $ 58,000 |
The tables below break down 2010 mortgage applications in Clay 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 Clay County, WV in 2010
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 | 166 | $12,366,000 | $74,000 | $270,000 | $57,000 | $421,000 |
| Home Purchase | 113 | $5,969,000 | $52,000 | $145,000 | $48,000 | $243,000 |
| Home Improvement | 32 | $875,000 | $27,000 | $135,000 | $43,000 | $107,000 |
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 | 290 | $17,391,000 | $59,000 | $270,000 | $54,000 | $421,000 |
| Not Provided | 15 | $1,192,000 | $79,000 | $155,000 | $43,000 | $120,000 |
| Not applicable | 4 | $370,000 | $92,000 | $97,000 | $0 | $0 |
| Black or African American | 1 | $55,000 | $55,000 | $55,000 | $62,000 | $62,000 |
| Hispanic | 1 | $202,000 | $202,000 | $202,000 | $62,000 | $62,000 |
| 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) | 284 | $16,893,000 | $59,000 | $215,000 | $53,000 | $421,000 |
| FHA-insured (Federal Housing Administration) | 17 | $1,339,000 | $78,000 | $175,000 | $45,000 | $90,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $516,000 | $86,000 | $102,000 | $41,000 | $61,000 |
| VA-guaranteed (Veterans Administration) | 4 | $462,000 | $115,000 | $270,000 | $68,000 | $134,000 |
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 | 209 | $12,044,000 | $57,000 | $270,000 | $55,000 | $421,000 |
| Application Denied By Financial Institution | 54 | $3,184,000 | $58,000 | $205,000 | $44,000 | $118,000 |
| Application Withdrawn By Applicant | 18 | $1,618,000 | $89,000 | $196,000 | $67,000 | $243,000 |
| Application Approved But Not Accepted | 12 | $892,000 | $74,000 | $133,000 | $47,000 | $127,000 |
| Loan Purchased By The Institution | 12 | $896,000 | $74,000 | $97,000 | $25,000 | $72,000 |
| File Closed For Incompleteness | 6 | $576,000 | $96,000 | $155,000 | $64,000 | $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 | 21 | $755,000 | $35,000 | $78,000 | $38,000 | $75,000 |
| Collateral | 10 | $1,026,000 | $102,000 | $205,000 | $54,000 | $84,000 |
| Debt-To-Income Ratio | 6 | $409,000 | $68,000 | $122,000 | $54,000 | $118,000 |
| Employment History | 2 | $98,000 | $49,000 | $56,000 | $57,000 | $72,000 |
| Other | 2 | $117,000 | $58,000 | $103,000 | $36,000 | $62,000 |
| Credit Application Incomplete | 1 | $54,000 | $54,000 | $54,000 | $34,000 | $34,000 |
| Unverifiable Information | 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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