Gilmer County, WV Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 118 mortgage applications in Gilmer County, WV totaling $8.8 million, down 11% from 2009. The average application was for $74,000, and applicants reported an average income of $47,000. 50% of applications resulted in an originated loan and 27% were denied. The most active lender was United Bank Inc, with 25 applications, followed by Bank of Gassaway and Embrace Home Loans, Inc..
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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 | 118 |
| Total Mortgage Loan Application Amount | $8,787,000 |
| Average Mortgage Loan Application Amount | $74,000 |
| Highest Mortgage Loan Application Amount | $250,000 |
| Average Applicant Income | $47,000 |
| Highest Applicant Income | $185,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 3,737,738,000 | 25 | $ 1,444,000 |
| Bank of Gassaway 700 ELK ST. GASSAWAY, WV 26624 |
* | $ 165,992,000 | 20 | $ 1,110,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 555,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 5 | $ 438,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 5 | $ 249,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 5 | $ 250,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 3 | $ 353,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 280,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 174,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 93,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 2 | $ 274,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 240,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 2 | $ 92,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 2 | $ 234,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 1,570,384,000 | 2 | $ 256,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 2 | $ 175,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 51,111,245,000 | 2 | $ 114,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 2 | $ 156,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 2 | $ 170,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 2 | $ 177,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 2 | $ 276,000 |
| First National Bank of Pa 166 MAIN ST GREENVILLE, PA 16125 |
* | $ 8,503,127,000 | 1 | $ 78,000 |
| Peoples Bank, National Associa 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 1,996,157,000 | 1 | $ 125,000 |
| First Community Bank, N. A. P O BOX 989 BLUEFIELD, VA 24605 |
* | $ 2,248,991,000 | 1 | $ 140,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 1 | $ 129,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 83,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,601,971,000 | 1 | $ 5,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA, 2-14-05 COLUMBUS, OH 43215 |
* | $ 3,206,002,000 | 1 | $ 76,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 349,760,000 | 1 | $ 31,000 |
| American Heritage Federal Credit Union 2060 RED LION RD PHILADELPHIA, PA 19115 |
* | $ 904,188,000 | 1 | $ 29,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 128,000 |
| Integrity Home Mortgage Corporation 122 PILOT CIRCLE WINCHESTER, VA 22602 |
* | $ 1,000,000,000 | 1 | $ 84,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 163,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 68,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 64,000 |
The tables below break down 2010 mortgage applications in Gilmer 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 Gilmer 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 | 60 | $4,954,000 | $82,000 | $196,000 | $49,000 | $162,000 |
| Home Purchase | 44 | $3,592,000 | $81,000 | $250,000 | $47,000 | $185,000 |
| Home Improvement | 14 | $241,000 | $17,000 | $73,000 | $40,000 | $63,000 |
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 | 99 | $7,102,000 | $71,000 | $250,000 | $51,000 | $185,000 |
| Not applicable | 9 | $755,000 | $83,000 | $120,000 | $0 | $0 |
| Not Provided | 8 | $764,000 | $95,000 | $163,000 | $46,000 | $99,000 |
| Hispanic | 2 | $166,000 | $83,000 | $85,000 | $52,000 | $59,000 |
| 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 |
| Black or African American | 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) | 98 | $6,786,000 | $69,000 | $250,000 | $49,000 | $185,000 |
| FHA-insured (Federal Housing Administration) | 16 | $1,489,000 | $93,000 | $163,000 | $29,000 | $73,000 |
| VA-guaranteed (Veterans Administration) | 3 | $434,000 | $144,000 | $200,000 | $92,000 | $162,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $78,000 | $78,000 | $78,000 | $17,000 | $17,000 |
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 | 59 | $4,292,000 | $72,000 | $250,000 | $52,000 | $131,000 |
| Application Denied By Financial Institution | 32 | $2,309,000 | $72,000 | $196,000 | $49,000 | $185,000 |
| Application Withdrawn By Applicant | 10 | $940,000 | $94,000 | $163,000 | $52,000 | $162,000 |
| Loan Purchased By The Institution | 9 | $688,000 | $76,000 | $120,000 | $3,000 | $27,000 |
| Application Approved But Not Accepted | 6 | $327,000 | $54,000 | $78,000 | $40,000 | $62,000 |
| File Closed For Incompleteness | 2 | $231,000 | $115,000 | $148,000 | $71,000 | $73,000 |
| 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 | 10 | $617,000 | $61,000 | $129,000 | $42,000 | $94,000 |
| Debt-To-Income Ratio | 5 | $369,000 | $73,000 | $128,000 | $39,000 | $68,000 |
| Collateral | 5 | $502,000 | $100,000 | $196,000 | $76,000 | $119,000 |
| Other | 2 | $23,000 | $11,000 | $20,000 | $32,000 | $49,000 |
| Unverifiable Information | 1 | $137,000 | $137,000 | $137,000 | $99,000 | $99,000 |
| Credit Application Incomplete | 1 | $136,000 | $136,000 | $136,000 | $32,000 | $32,000 |
| Employment History | 1 | $168,000 | $168,000 | $168,000 | $40,000 | $40,000 |
| 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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