In 2023, lenders reported 735 mortgage applications in Gallia County, OH totaling $100.7 million, down 13% from 2022. The average application was for $137,000, and applicants reported an average income of $84,000. 44% of applications resulted in an originated loan and 22% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 66 applications, followed by Ohio Valley Bank and The Farmers Bank & Savings Com.
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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 | 735 |
| Total Mortgage Loan Application Amount | $100,725,000 |
| Average Mortgage Loan Application Amount | $137,000 |
| Highest Mortgage Loan Application Amount | $1,025,000 |
| Average Applicant Income | $84,000 |
| Highest Applicant Income | $2,123,000 |
| 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 | 66 | $ 7,230,000 |
| Ohio Valley Bank 420 THIRD AVE GALLIPOLIS, OH 45631 |
* | $ 1,193,379,000 | 62 | $ 11,340,000 |
| The Farmers Bank & Savings Com 640 E MAIN ST POMEROY, OH 45769 |
* | $ 393,696,000 | 46 | $ 7,690,000 |
| Peoples Bank 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 7,197,574,000 | 36 | $ 2,270,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 35 | $ 3,525,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 31 | $ 4,545,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 16,894,686,000 | 29 | $ 2,965,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 26 | $ 4,330,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 24 | $ 3,340,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 21 | $ 2,475,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 16 | $ 2,020,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 15 | $ 2,925,000 |
| Rapid Mortgage Company 7870 E. KEMPER ROAD, SUITE 280 CINCINNATI, OH 45255 |
* | $ -1,000 | 13 | $ 2,105,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 13 | $ 1,775,000 |
| Vinton County National Bank 112 W MAIN ST PO BOX 460 MCARTHUR, OH 45651 |
* | $ 1,361,287,000 | 12 | $ 1,460,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 12 | $ 640,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 10 | $ 1,200,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 5,832,156,000 | 9 | $ 585,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 9 | $ 1,275,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 9 | $ 1,345,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 8 | $ 1,350,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 8 | $ 1,480,000 |
| Atomic Credit Union, Inc 711 BEAVER CREEK ROAD PIKETON, OH 45661 |
* | $ 550,745,000 | 8 | $ 1,280,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 8 | $ 1,180,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 7 | $ 965,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 7 | $ 725,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 7 | $ 1,595,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 7 | $ 1,065,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 6 | $ 710,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 5 | $ 675,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 5 | $ 525,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 5 | $ 455,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ -1,000 | 4 | $ 690,000 |
| The Park National Bank 50 N THIRD STREET NEWARK, OH 43055 |
* | $ 9,815,951,000 | 4 | $ 690,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 4 | $ 700,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 4 | $ 330,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 3 | $ 405,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 3 | $ 405,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 375,000 |
| Wright Patt Credit Union Inc 3560 PENTAGON BLVD. BEAVERCREEK, OH 45431 |
* | $ 7,794,453,000 | 3 | $ 405,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 3 | $ 455,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 435,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 3 | $ 395,000 |
| The Union Bank Company 105 PROGRESSIVE DRIVE COLUMBUS GROVE, OH 45830 |
* | $ 1,084,777,000 | 3 | $ 405,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 3 | $ 515,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 3 | $ 545,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 355,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 3 | $ 305,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 3 | $ 375,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ -1,000 | 3 | $ 685,000 |
| The Farmers & Merchants State Bank 307 N DEFIANCE ST ARCHBOLD, OH 43502 |
* | $ 3,002,849,000 | 2 | $ 540,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 441,843,000 | 2 | $ 230,000 |
| Howard Hanna Financial Services, Inc 1000 GAMMA DRIVE PITTSBURGH, PA 15238 |
* | $ -1,000 | 2 | $ 200,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 2 | $ 110,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 2 | $ 330,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 2 | $ 410,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 187,590,465,000 | 2 | $ 170,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 2 | $ 400,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 2 | $ 270,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 2 | $ 180,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 2 | $ 190,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 2 | $ 690,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 980,000 |
| Amres Corporation 1 NESHAMINY INTERPLEX, SUITE 310 TREVOSE, PA 19053 |
* | $ -1,000 | 2 | $ 310,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 2 | $ 70,000 |
| Eastman Credit Union P.O. BOX 1989 KINGSPORT, TN 37662 |
* | $ 7,481,805,000 | 2 | $ 220,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ -1,000 | 2 | $ 220,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 2 | $ 590,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 2 | $ 80,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 150,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 125,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 95,000 |
| Wv Central Federal Credit Union 1306 MURDOCH AVE PARKERSBURG, WV 26101 |
* | $ 284,148,000 | 1 | $ 135,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 145,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,722,761,000 | 1 | $ 125,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 155,000 |
| Bayshore Mortgage Funding 1920 GREENSPRING DRIVE, SUITE 140 TIMONIUM, MD 21093 |
* | $ -1,000 | 1 | $ 135,000 |
| Mortgage300 Corporation 10 SE CENTRAL PARKWAY SUITE 325 STUART, FL 34994 |
* | $ -1,000 | 1 | $ 185,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 105,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ 29,430,409,000 | 1 | $ 55,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ -1,000 | 1 | $ 165,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ 495,448,000 | 1 | $ 85,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 175,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 1 | $ 125,000 |
| Universal 1 Credit Union Inc. P.O. BOX 467 DAYTON, OH 45409 |
* | $ 453,082,000 | 1 | $ 35,000 |
| Genway Home Mortgage, Inc. 3211 INTERNET BOULEVARD, SUITE 300 FRISCO, TX 75034 |
* | $ -1,000 | 1 | $ 105,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 16,117,865,000 | 1 | $ 145,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 235,000 |
| Ashland Credit Union 1300 CENTRAL AVE ASHLAND, KY 41101 |
* | $ 351,968,000 | 1 | $ 55,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 1 | $ 175,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ -1,000 | 1 | $ 205,000 |
| Midamerica National Bank 100 W ELM ST CANTON, IL 61520 |
* | $ 575,105,000 | 1 | $ 155,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 185,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 85,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 195,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ -1,000 | 1 | $ 215,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 265,000 |
| National Cooperative Bank, N.A. 139 SOUTH HIGH STREET HILLSBORO, OH 45133 |
* | $ 3,170,695,000 | 1 | $ 135,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 65,000 |
| Unified Bank 201 S 4TH STREET MARTINS FERRY, OH 43935 |
* | $ 755,071,000 | 1 | $ 105,000 |
| Kemba Financial Credit Union 555 OFFICENTER PL GAHANNA, OH 43230 |
* | $ 1,965,517,000 | 1 | $ 55,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 225,000 |
The tables below break down 2023 mortgage applications in Gallia County, OH by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 465 | $73,625,000 | $158,000 | $1,025,000 | $86,000 | $2,123,000 |
| Cash-out Refinancing | 96 | $12,530,000 | $130,000 | $475,000 | $81,000 | $336,000 |
| Other Purpose | 65 | $4,995,000 | $76,000 | $285,000 | $88,000 | $391,000 |
| Home Improvement | 60 | $3,410,000 | $56,000 | $205,000 | $79,000 | $592,000 |
| Refinancing | 48 | $6,130,000 | $127,000 | $425,000 | $74,000 | $271,000 |
| Not Applicable | 1 | $35,000 | $35,000 | $35,000 | $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 | 585 | $77,005,000 | $131,000 | $725,000 | $80,000 | $592,000 |
| Not Provided | 69 | $10,715,000 | $155,000 | $1,025,000 | $115,000 | $2,123,000 |
| Not applicable | 58 | $9,650,000 | $166,000 | $785,000 | $0 | $0 |
| Black or African American | 15 | $2,005,000 | $133,000 | $205,000 | $63,000 | $117,000 |
| Hispanic | 3 | $845,000 | $281,000 | $565,000 | $275,000 | $391,000 |
| American Indian or Alaskan Native | 3 | $345,000 | $115,000 | $145,000 | $60,000 | $71,000 |
| Asian | 2 | $160,000 | $80,000 | $105,000 | $76,000 | $87,000 |
| 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) | 526 | $66,940,000 | $127,000 | $1,025,000 | $88,000 | $2,123,000 |
| FHA-insured (Federal Housing Administration) | 138 | $20,940,000 | $151,000 | $405,000 | $69,000 | $185,000 |
| VA-guaranteed (Veterans Administration) | 51 | $9,825,000 | $192,000 | $725,000 | $82,000 | $209,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $3,020,000 | $151,000 | $215,000 | $64,000 | $89,000 |
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 | 327 | $48,985,000 | $149,000 | $1,025,000 | $95,000 | $2,123,000 |
| Application Denied By Financial Institution | 164 | $18,280,000 | $111,000 | $465,000 | $68,000 | $592,000 |
| Application Withdrawn By Applicant | 78 | $11,960,000 | $153,000 | $495,000 | $83,000 | $336,000 |
| File Closed For Incompleteness | 61 | $7,245,000 | $118,000 | $565,000 | $82,000 | $391,000 |
| Loan Purchased By The Institution | 59 | $9,125,000 | $154,000 | $295,000 | $62,000 | $90,000 |
| Application Approved But Not Accepted | 43 | $4,535,000 | $105,000 | $195,000 | $71,000 | $121,000 |
| Preapproval Approved but not Accepted | 2 | $530,000 | $265,000 | $305,000 | $54,000 | $62,000 |
| Preapproval Denied by Financial Institution | 1 | $65,000 | $65,000 | $65,000 | $29,000 | $29,000 |
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 | 559 | $80,675,000 | $144,000 | $1,025,000 | $89,000 | $2,123,000 |
| Credit History | 73 | $7,295,000 | $99,000 | $255,000 | $75,000 | $592,000 |
| Debt-To-Income Ratio | 54 | $7,950,000 | $147,000 | $465,000 | $66,000 | $245,000 |
| Collateral | 24 | $2,300,000 | $95,000 | $265,000 | $69,000 | $156,000 |
| Credit Application Incomplete | 9 | $825,000 | $91,000 | $185,000 | $60,000 | $84,000 |
| Other | 6 | $540,000 | $90,000 | $195,000 | $63,000 | $120,000 |
| Unverifiable Information | 5 | $525,000 | $105,000 | $195,000 | $67,000 | $136,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $520,000 | $130,000 | $185,000 | $66,000 | $81,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $47,000 | $47,000 |
| 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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