Gilmer County, WV Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 97 mortgage applications in Gilmer County, WV totaling $8.9 million, down 7% from 2014. The average application was for $91,000, and applicants reported an average income of $72,000. 43% of applications resulted in an originated loan and 34% were denied. The most active lender was United Bank Inc, with 19 applications, followed by State Farm Bank, F.S.B. and Vanderbilt Mortgage and Finance, 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 | 97 |
| Total Mortgage Loan Application Amount | $8,875,000 |
| Average Mortgage Loan Application Amount | $91,000 |
| Highest Mortgage Loan Application Amount | $300,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $504,000 |
| 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 |
* | $ 5,424,901,000 | 19 | $ 1,675,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 9 | $ 971,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 7 | $ 462,000 |
| Premier Bank, Inc. 601 WASHINGTON STREET RAVENSWOOD, WV 26164 |
* | $ 873,908,000 | 7 | $ 386,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 259,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 4 | $ 572,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 66,111,039,000 | 3 | $ 107,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 3 | $ 216,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 168,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 3 | $ 313,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ 326,442,000 | 2 | $ 130,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 2 | $ 206,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 2 | $ 204,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 144,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 256,000 |
| Clay County Bank PO BOX 239 CLAY, WV 25125 |
* | $ 81,638,000 | 1 | $ 67,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 158,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 87,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 84,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 139,000 |
| White Rose Credit Union 3498 INDUSTRIAL DR YORK, PA 17402 |
* | $ 62,179,000 | 1 | $ 126,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 1 | $ 104,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 1 | $ 95,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 136,279,317,000 | 1 | $ 115,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,761,042,000 | 1 | $ 93,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 668,685,000 | 1 | $ 120,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 164,706,000 | 1 | $ 131,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 286,834,000 | 1 | $ 48,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 1,291,449,000 | 1 | $ 275,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 52,000 |
The tables below break down 2015 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 2015
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 | 42 | $3,882,000 | $92,000 | $300,000 | $65,000 | $430,000 |
| Home Purchase | 34 | $3,491,000 | $102,000 | $279,000 | $73,000 | $430,000 |
| Home Improvement | 21 | $1,502,000 | $71,000 | $275,000 | $85,000 | $504,000 |
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 | 80 | $7,036,000 | $87,000 | $300,000 | $76,000 | $504,000 |
| Not Provided | 12 | $1,299,000 | $108,000 | $237,000 | $54,000 | $107,000 |
| Not applicable | 2 | $215,000 | $107,000 | $131,000 | $0 | $0 |
| Hispanic | 2 | $167,000 | $83,000 | $95,000 | $70,000 | $105,000 |
| Asian | 1 | $158,000 | $158,000 | $158,000 | $119,000 | $119,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 70 | $5,664,000 | $80,000 | $300,000 | $81,000 | $504,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,430,000 | $95,000 | $156,000 | $36,000 | $95,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,599,000 | $159,000 | $275,000 | $76,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $182,000 | $91,000 | $111,000 | $36,000 | $41,000 |
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 | 42 | $4,449,000 | $105,000 | $300,000 | $82,000 | $430,000 |
| Application Denied By Financial Institution | 33 | $1,999,000 | $60,000 | $128,000 | $62,000 | $504,000 |
| Application Withdrawn By Applicant | 10 | $1,307,000 | $130,000 | $300,000 | $101,000 | $430,000 |
| File Closed For Incompleteness | 7 | $551,000 | $78,000 | $103,000 | $43,000 | $132,000 |
| Application Approved But Not Accepted | 3 | $354,000 | $118,000 | $152,000 | $63,000 | $87,000 |
| Loan Purchased By The Institution | 2 | $215,000 | $107,000 | $131,000 | $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 |
|---|---|---|---|---|---|---|
| Credit History | 6 | $227,000 | $37,000 | $73,000 | $42,000 | $62,000 |
| Collateral | 6 | $512,000 | $85,000 | $120,000 | $50,000 | $90,000 |
| Debt-To-Income Ratio | 3 | $50,000 | $16,000 | $30,000 | $42,000 | $68,000 |
| Credit Application Incomplete | 2 | $161,000 | $80,000 | $104,000 | $72,000 | $95,000 |
| Other | 1 | $13,000 | $13,000 | $13,000 | $130,000 | $130,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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