Gilmer County, WV Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 104 mortgage applications in Gilmer County, WV totaling $12.9 million, up 3% from 2023. The average application was for $123,000, and applicants reported an average income of $74,000. 40% of applications resulted in an originated loan and 32% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 19 applications, followed by United Bank VA and Mortgage Research Center.
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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 | 104 |
| Total Mortgage Loan Application Amount | $12,860,000 |
| Average Mortgage Loan Application Amount | $123,000 |
| Highest Mortgage Loan Application Amount | $355,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $194,000 |
| 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 |
* | $ n/a | 19 | $ 2,395,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ n/a | 13 | $ 1,035,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 6 | $ 1,080,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 5 | $ 555,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 5 | $ 525,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 4 | $ 300,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 4 | $ 390,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 3 | $ 285,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 305,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ n/a | 3 | $ 315,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 3 | $ 225,000 |
| Calhoun County Banks Inc 362 MAIN STREET GRANTSVILLE, WV 26147 |
* | $ n/a | 2 | $ 450,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 2 | $ 170,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 2 | $ 160,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 2 | $ 560,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 160,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ n/a | 2 | $ 250,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 75,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 75,000 |
| Freedom First Federal Credit Union 5240 VALLEYPARK DRIVE ROANOKE, VA 24019 |
* | $ n/a | 1 | $ 55,000 |
| First Home Mortgage 6211 GREENLEIGH AVENUE SUITE 300 BALTIMORE, MD 21220 |
* | $ n/a | 1 | $ 325,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 125,000 |
| Affordable Mortgage Advisors 4640 CAMPBELLS RUN ROAD PITTSBURGH, PA 15205 |
* | $ n/a | 1 | $ 115,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 215,000 |
| Boxcar Mortgage, LLC 664 SEMINOLE AVE NE #101 ATLANTA, GA 30307 |
* | $ n/a | 1 | $ 95,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ n/a | 1 | $ 225,000 |
| Wv Central Federal Credit Union 1306 MURDOCH AVE PARKERSBURG, WV 26101 |
* | $ n/a | 1 | $ 75,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 235,000 |
The tables below break down 2024 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 2024
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 | 65 | $8,985,000 | $138,000 | $355,000 | $71,000 | $194,000 |
| Cash-out Refinancing | 16 | $1,670,000 | $104,000 | $215,000 | $71,000 | $150,000 |
| Home Improvement | 11 | $735,000 | $66,000 | $185,000 | $79,000 | $169,000 |
| Refinancing | 8 | $1,130,000 | $141,000 | $295,000 | $112,000 | $183,000 |
| Other Purpose | 4 | $340,000 | $85,000 | $105,000 | $50,000 | $96,000 |
| 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 | 92 | $11,060,000 | $120,000 | $355,000 | $76,000 | $194,000 |
| Not applicable | 5 | $875,000 | $175,000 | $325,000 | $0 | $0 |
| Not Provided | 3 | $295,000 | $98,000 | $125,000 | $27,000 | $44,000 |
| Hispanic | 3 | $505,000 | $168,000 | $225,000 | $74,000 | $91,000 |
| American Indian or Alaskan Native | 1 | $125,000 | $125,000 | $125,000 | $45,000 | $45,000 |
| 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) | 82 | $9,510,000 | $115,000 | $295,000 | $78,000 | $194,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,535,000 | $139,000 | $325,000 | $58,000 | $102,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,680,000 | $168,000 | $355,000 | $59,000 | $96,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $135,000 | $135,000 | $135,000 | $78,000 | $78,000 |
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 | $5,410,000 | $128,000 | $325,000 | $81,000 | $194,000 |
| Application Denied By Financial Institution | 33 | $3,965,000 | $120,000 | $265,000 | $70,000 | $183,000 |
| Application Withdrawn By Applicant | 11 | $1,425,000 | $129,000 | $355,000 | $67,000 | $104,000 |
| File Closed For Incompleteness | 11 | $1,065,000 | $96,000 | $125,000 | $69,000 | $150,000 |
| Loan Purchased By The Institution | 5 | $875,000 | $175,000 | $325,000 | $0 | $0 |
| Application Approved But Not Accepted | 2 | $120,000 | $60,000 | $75,000 | $74,000 | $97,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 68 | $8,370,000 | $123,000 | $355,000 | $75,000 | $194,000 |
| Credit History | 18 | $2,000,000 | $111,000 | $225,000 | $72,000 | $156,000 |
| Debt-To-Income Ratio | 10 | $1,590,000 | $159,000 | $295,000 | $71,000 | $183,000 |
| Collateral | 3 | $235,000 | $78,000 | $115,000 | $47,000 | $80,000 |
| Credit Application Incomplete | 3 | $305,000 | $101,000 | $135,000 | $88,000 | $114,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $235,000 | $235,000 | $235,000 | $92,000 | $92,000 |
| Unverifiable Information | 1 | $125,000 | $125,000 | $125,000 | $91,000 | $91,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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