Clay County, WV Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 240 mortgage applications in Clay County, WV totaling $22.9 million, up 17% from 2020. The average application was for $95,000, and applicants reported an average income of $72,000. 56% of applications resulted in an originated loan and 15% were denied. The most active lender was Clay County Bank, with 81 applications, followed by Vanderbilt Mortgage and Finance, Inc 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 | 240 |
| Total Mortgage Loan Application Amount | $22,910,000 |
| Average Mortgage Loan Application Amount | $95,000 |
| Highest Mortgage Loan Application Amount | $275,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $311,000 |
| 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 |
* | $ 94,197,000 | 81 | $ 6,055,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 24 | $ 2,230,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ 377,146,000 | 20 | $ 1,760,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 13 | $ 1,655,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 9 | $ 1,175,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 7 | $ 485,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 4,956,190,000 | 6 | $ 410,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 5 | $ 625,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 540,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 690,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 435,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 3 | $ 315,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ -1,000 | 3 | $ 325,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 3 | $ 495,000 |
| Premier Bank, Inc. 601 WASHINGTON STREET RAVENSWOOD, WV 26164 |
* | $ 1,221,060,000 | 3 | $ 205,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 2,796,982,000 | 2 | $ 350,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 2 | $ 140,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 220,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 2 | $ 190,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 2 | $ 120,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 390,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 280,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 150,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 2 | $ 110,000 |
| Intercoastal Mortgage, LLC 11911 FREEDOM DRIVE SUITE 500 RESTON, VA 20190 |
* | $ -1,000 | 2 | $ 260,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 115,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 175,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 55,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 104,052,030,000 | 1 | $ 245,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 1 | $ 115,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ 19,644,548,000 | 1 | $ 65,000 |
| Siwell, Inc., dba Capital Mortgage Services of Tex 4210 50TH ST LUBBOCK, TX 79413 |
* | $ -1,000 | 1 | $ 95,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 175,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 1 | $ 45,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 1 | $ 105,000 |
| Peoples Bank 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 4,351,191,000 | 1 | $ 45,000 |
| Putnam County Bank P.O. BOX 308 HURRICANE, WV 25526 |
* | $ 589,814,000 | 1 | $ 105,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ -1,000 | 1 | $ 135,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 1 | $ 75,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 1 | $ 55,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 140,077,697,000 | 1 | $ 65,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 1 | $ 15,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 175,000 |
| Wv Central Federal Credit Union 1306 MURDOCH AVE PARKERSBURG, WV 26101 |
* | $ 197,081,000 | 1 | $ 55,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 1 | $ 145,000 |
The tables below break down 2021 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 2021
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 | 135 | $12,785,000 | $94,000 | $255,000 | $66,000 | $211,000 |
| Cash-out Refinancing | 59 | $5,285,000 | $89,000 | $215,000 | $71,000 | $236,000 |
| Refinancing | 32 | $4,110,000 | $128,000 | $275,000 | $100,000 | $311,000 |
| Home Improvement | 7 | $355,000 | $50,000 | $105,000 | $68,000 | $181,000 |
| Other Purpose | 6 | $360,000 | $60,000 | $115,000 | $94,000 | $300,000 |
| Not Applicable | 1 | $15,000 | $15,000 | $15,000 | $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 | 225 | $21,295,000 | $94,000 | $275,000 | $71,000 | $311,000 |
| Not Provided | 10 | $1,020,000 | $102,000 | $225,000 | $82,000 | $167,000 |
| Not applicable | 3 | $345,000 | $115,000 | $175,000 | $0 | $0 |
| Asian | 1 | $125,000 | $125,000 | $125,000 | $71,000 | $71,000 |
| Hispanic | 1 | $125,000 | $125,000 | $125,000 | $110,000 | $110,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 194 | $17,020,000 | $87,000 | $275,000 | $74,000 | $311,000 |
| FHA-insured (Federal Housing Administration) | 23 | $2,855,000 | $124,000 | $215,000 | $64,000 | $167,000 |
| VA-guaranteed (Veterans Administration) | 15 | $2,095,000 | $139,000 | $235,000 | $68,000 | $142,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $940,000 | $117,000 | $155,000 | $39,000 | $65,000 |
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 | 134 | $12,010,000 | $89,000 | $275,000 | $75,000 | $252,000 |
| Application Denied By Financial Institution | 37 | $3,505,000 | $94,000 | $245,000 | $56,000 | $311,000 |
| Application Withdrawn By Applicant | 32 | $3,030,000 | $94,000 | $185,000 | $66,000 | $300,000 |
| File Closed For Incompleteness | 23 | $2,515,000 | $109,000 | $235,000 | $61,000 | $196,000 |
| Application Approved But Not Accepted | 9 | $1,265,000 | $140,000 | $255,000 | $115,000 | $236,000 |
| Loan Purchased By The Institution | 4 | $420,000 | $105,000 | $175,000 | $101,000 | $101,000 |
| Preapproval Approved but not Accepted | 1 | $165,000 | $165,000 | $165,000 | $138,000 | $138,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 112 | $8,830,000 | $78,000 | $255,000 | $75,000 | $300,000 |
| Not applicable | 103 | $11,725,000 | $113,000 | $275,000 | $68,000 | $236,000 |
| Credit History | 12 | $1,200,000 | $100,000 | $175,000 | $81,000 | $311,000 |
| Collateral | 5 | $365,000 | $73,000 | $115,000 | $67,000 | $188,000 |
| Other | 3 | $245,000 | $81,000 | $115,000 | $44,000 | $70,000 |
| Unverifiable Information | 3 | $305,000 | $101,000 | $115,000 | $49,000 | $53,000 |
| Credit Application Incomplete | 2 | $240,000 | $120,000 | $125,000 | $49,000 | $49,000 |
| 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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