Clay County WV
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Unlock detailed Clay County WV mortgage statistics and HMDA loan application data from 2003 to 2023.
Analyze total mortgage applications, loan amounts, and key lending trends across the area.
Our interactive tools let you explore mortgage data by location and lender offering insights into housing market
activity and lending patterns in this area and throughout the US.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in West Virginia.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| Years | 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 | 176 |
| Total Mortgage Loan Application Amount | $16,240,000 |
| Average Mortgage Loan Application Amount | $92,000 |
| Highest Mortgage Loan Application Amount | $295,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $187,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| CLAY COUNTY BANK, INC. PO BOX 239 CLAY, WV 25125 |
* | $ 117,184,000 | 76 | $ 4,850,000 |
| VANDERBILT MORTGAGE AND FINANCE, INC. 500 ALCOA TRAIL KNOXVILLE, TN 37804 |
* | $ -1,000 | 14 | $ 1,350,000 |
| THE POCA VALLEY BANK, INC. PO BOX 56 WALTON, WV 25286 |
* | $ 495,448,000 | 7 | $ 725,000 |
| LOANDEPOT.COM, LLC 26642 TOWNE CENTRE DRIVE DOVER, DE 92610 |
* | $ -1,000 | 7 | $ 1,215,000 |
| MORTGAGE RESEARCH CENTER, LLC 1400 VETERANS UNITED DR. SAINT LOUIS, MO 65203 |
* | $ -1,000 | 6 | $ 760,000 |
| CROSSCOUNTRY MORTGAGE, LLC 6850 MILLER RD WILMINGTON, DE 44141 |
* | $ -1,000 | 6 | $ 740,000 |
| CITY NATIONAL BANK OF WEST VIRGINIA 25 GATEWATER ROAD CHARLESTON, WV 25313 |
* | $ 5,832,156,000 | 5 | $ 325,000 |
| PEOPLES BANK 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 7,197,574,000 | 4 | $ 210,000 |
| CREDIT HUMAN FEDERAL CREDIT UNION 6061 IH 10 WEST SAN ANTONIO, TX 78201 |
* | $ 3,601,623,000 | 4 | $ 500,000 |
| PRIMELENDING, A PLAINSCAPITAL COMPANY 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 3 | $ 285,000 |
| 21ST MORTGAGE CORPORATION 620 MARKET ST SUITE 100 WILMINGTON, DE 37902 |
* | $ -1,000 | 3 | $ 325,000 |
| AMERISAVE MORTGAGE CORPORATION 3525 PIEDMONT RD NE, 8 PIEDMONT CTR STE PEACHTREE CORNER, GA 30305 |
* | $ -1,000 | 3 | $ 325,000 |
| NEW AMERICAN FUNDING, LLC 14511 MYFORD ROAD, SUITE 100 DOVER, DE 92780 |
* | $ -1,000 | 3 | $ 435,000 |
| DISCOVER BANK 12 READS WAY GREENWOOD, DE 19720 |
* | $ 129,461,046,000 | 2 | $ 80,000 |
| VICTORIAN FINANCE, LLC 2570 BOYCE PLAZA ROAD HARRISBURG, PA 15241 |
* | $ -1,000 | 2 | $ 400,000 |
| U.S. BANK NATIONAL ASSOCIATION 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 2 | $ 410,000 |
| NAVY FEDERAL CREDIT UNION 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 2 | $ 410,000 |
| TRIAD FINANCIAL SERVICES, INC. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 200,000 |
| PENNYMAC LOAN SERVICES, LLC 3043 TOWNSGATE ROAD WILMINGTON, DE 91361 |
* | $ -1,000 | 2 | $ 350,000 |
| UNITED BANK 11185 FAIRFAX BLVD FAIRFAX, VA 22030 |
* | $ 29,430,409,000 | 2 | $ 170,000 |
| GATEWAY FIRST BANK 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 2,040,399,000 | 2 | $ 410,000 |
| THE HUNTINGTON NATIONAL BANK 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 2 | $ 200,000 |
| COMMUNITY TRUST BANK, INC. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 5,351,295,000 | 1 | $ 115,000 |
| AMERICAN FINANCING CORPORATION 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 85,000 |
| USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 1 | $ 145,000 |
| FARM CREDIT OF THE VIRGINIAS, ACA 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ -1,000 | 1 | $ 95,000 |
| THE STATE CREDIT UNION 2200 WASHINGTON STREET, EAST, CHARLESTON, WV 25311 |
* | $ 87,565,000 | 1 | $ 35,000 |
| WEST VIRGINIA FEDERAL CREDIT UNION 318 5TH AVENUE SOUTH CHARLESTON, WV 25303 |
* | $ 133,841,000 | 1 | $ 75,000 |
| CALHOUN COUNTY BANK, INC. 362 MAIN STREET GRANTSVILLE, WV 26147 |
* | $ 185,248,000 | 1 | $ 45,000 |
| JPMORGAN CHASE BANK, NATIONAL ASSOCIATION 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 1 | $ 75,000 |
| TRUIST BANK 3100 SMOKETREE CT FL 5 CHARLOTTE, NC 27604 |
* | $ 546,228,000,000 | 1 | $ 85,000 |
| FREEDOM MORTGAGE CORPORATION 10500 KINCAID DRIVE MT LAUREL, NJ 46037 |
* | $ -1,000 | 1 | $ 255,000 |
The HMDA mortgage data below offers a comprehensive breakdown of loan application trends for 2023, covering key categories like loan purpose, applicant race, loan type, approval outcomes, and denial reasons. Each dataset details the total number of applications and the total loan amounts, helping you analyze lending activity with precision.
Easily search and sort data by metrics such as average mortgage amount, highest loan value, average applicant income, and top income levels within each category. Whether you're researching market trends, borrower demographics, or specific mortgage types, these insights provide a valuable snapshot of lending patterns, helping you make more informed decisions in the mortgage and real estate industries.
Mortgage Loan Application Detail Totals for Clay County WV in 2023
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 | 99 | $10,445,000 | $105,000 | $295,000 | $61,000 | $187,000 |
| Cash-out Refinancing | 46 | $4,240,000 | $92,000 | $235,000 | $76,000 | $159,000 |
| Other Purpose | 11 | $635,000 | $57,000 | $115,000 | $79,000 | $164,000 |
| Refinancing | 11 | $585,000 | $53,000 | $145,000 | $69,000 | $120,000 |
| Home Improvement | 9 | $335,000 | $37,000 | $75,000 | $59,000 | $139,000 |
| 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 | 154 | $13,280,000 | $86,000 | $295,000 | $67,000 | $187,000 |
| Not Provided | 15 | $1,915,000 | $127,000 | $255,000 | $67,000 | $142,000 |
| Not applicable | 4 | $600,000 | $150,000 | $195,000 | $0 | $0 |
| Hispanic | 2 | $250,000 | $125,000 | $165,000 | $61,000 | $69,000 |
| American Indian or Alaskan Native | 1 | $195,000 | $195,000 | $195,000 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 140 | $11,060,000 | $79,000 | $245,000 | $65,000 | $164,000 |
| VA-guaranteed (Veterans Administration) | 18 | $3,150,000 | $175,000 | $295,000 | $83,000 | $153,000 |
| FHA-insured (Federal Housing Administration) | 17 | $1,945,000 | $114,000 | $215,000 | $70,000 | $187,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $85,000 | $85,000 | $85,000 | $54,000 | $54,000 |
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 | 108 | $8,620,000 | $79,000 | $295,000 | $71,000 | $187,000 |
| Application Denied By Financial Institution | 33 | $3,635,000 | $110,000 | $215,000 | $59,000 | $116,000 |
| Application Withdrawn By Applicant | 18 | $2,110,000 | $117,000 | $255,000 | $63,000 | $142,000 |
| File Closed For Incompleteness | 9 | $1,095,000 | $121,000 | $245,000 | $48,000 | $108,000 |
| Application Approved But Not Accepted | 6 | $430,000 | $71,000 | $115,000 | $69,000 | $137,000 |
| Loan Purchased By The Institution | 2 | $350,000 | $175,000 | $195,000 | $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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 89 | $6,275,000 | $70,000 | $235,000 | $69,000 | $164,000 |
| Not applicable | 63 | $7,275,000 | $115,000 | $295,000 | $65,000 | $187,000 |
| Credit History | 15 | $1,485,000 | $99,000 | $215,000 | $70,000 | $116,000 |
| Collateral | 3 | $345,000 | $115,000 | $155,000 | $68,000 | $98,000 |
| Credit Application Incomplete | 2 | $360,000 | $180,000 | $215,000 | $58,000 | $66,000 |
| Other | 2 | $310,000 | $155,000 | $205,000 | $37,000 | $46,000 |
| Employment History | 2 | $190,000 | $95,000 | $125,000 | $49,000 | $73,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights for industry professionals, researchers, and analysts looking to understand lending trends in the area. With detailed data on mortgage applications, loan amounts, applicant income, loan purposes, and approval rates, you can uncover key patterns shaping the local housing market.
Whether you're a real estate expert, financial analyst, or policymaker, these in-depth mortgage lending statistics help you track market shifts, assess borrower demographics, and evaluate lender performance. Use this powerful data to make informed decisions, conduct market research, and stay ahead in the evolving mortgage industry.