Hardy County, WV Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 538 mortgage applications in Hardy County, WV totaling $70.6 million, up 1% from 2015. The average application was for $131,000, and applicants reported an average income of $73,000. 57% of applications resulted in an originated loan and 21% were denied. The most active lender was Capon Valley Bank, with 79 applications, followed by Pendleton Community Bank and Summit Community Bank, 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 | 538 |
| Total Mortgage Loan Application Amount | $70,585,000 |
| Average Mortgage Loan Application Amount | $131,000 |
| Highest Mortgage Loan Application Amount | $1,344,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $635,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Capon Valley Bank PO BOX 119 WARDENSVILLE, WV 26851 |
* | $ 148,948,000 | 79 | $ 6,762,000 |
| Pendleton Community Bank 128 N MAIN ST FRANKLIN, WV 26807 |
* | $ 269,244,000 | 51 | $ 3,830,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 1,485,192,000 | 41 | $ 7,723,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 32 | $ 5,484,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 234,265,000 | 23 | $ 3,193,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 21 | $ 3,161,000 |
| The Grant County Bank P. O. BOX 929 PETERSBURG, WV 26847 |
* | $ 248,200,000 | 17 | $ 1,509,000 |
| Integrity Home Mortgage Corporation 122 PILOT CIRCLE WINCHESTER, VA 22602 |
* | $ 1,000,000,000 | 17 | $ 2,556,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 15 | $ 2,290,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 13 | $ 758,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 12 | $ 1,912,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 10 | $ 657,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 10 | $ 1,118,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 9 | $ 1,118,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 9 | $ 1,499,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 8 | $ 1,411,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 1,145,000 |
| The Bank of Romney 95 E MAIN STREET ROMNEY, WV 26757 |
* | $ 256,420,000 | 7 | $ 891,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 6 | $ 661,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 5 | $ 444,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 4 | $ 744,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 4 | $ 632,000 |
| Fnb Bank, Inc 105 NORTH HIGH STREET ROMNEY, WV 26757 |
* | $ 176,085,000 | 4 | $ 756,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 634,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 664,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 312,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ 89,030,433,000 | 3 | $ 682,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 3 | $ 698,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 3 | $ 406,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 3 | $ 286,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 3 | $ 333,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 19,460,442,000 | 3 | $ 278,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 2 | $ 422,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 1,502,221,000 | 2 | $ 393,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,764,654,000 | 2 | $ 711,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 2 | $ 198,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 441,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 2 | $ 446,000 |
| Farmers & Merchants Bank PO BOX 1111 TIMBERVILLE, VA 22853 |
* | $ 665,509,000 | 2 | $ 93,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 2 | $ 212,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 305,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 2 | $ 244,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 2 | $ 419,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ 12,167,000 | 2 | $ 241,000 |
| George Mason Mortgage LLC 4100 MONUMENT CORNER DRIVE #100 FAIRFAX, VA 22030 |
* | $ 630,414,000 | 2 | $ 498,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 2 | $ 230,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 2 | $ 185,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 388,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,077,735,000 | 2 | $ 280,000 |
| Capital Bank, N.A. ONE CHURCH ST SUITE 300 ROCKVILLE, MD 20850 |
* | $ 729,014,000 | 1 | $ 223,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 1,177,985,000 | 1 | $ 276,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ 10,000,000 | 1 | $ 115,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 1 | $ 59,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 179,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 230,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 260,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 451,930,000 | 1 | $ 164,000 |
| Standard Bank, Pasb 2640 MONROEVILLE BLVD MONROEVILLE, PA 15146 |
* | $ 466,245,000 | 1 | $ 130,000 |
| Traditions Bank 226 PAULINE DRIVE YORK, PA 17402 |
* | $ 359,642,000 | 1 | $ 270,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 1 | $ 282,000 |
| The State Credit Union 2200 WASHINGTON STREET, EAST, CHARLESTON, WV 25311 |
* | $ 61,734,000 | 1 | $ 248,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ 50,442,000 | 1 | $ 346,000 |
| Apple Federal Credit Union 4029 RIDGE TOP RD FAIRFAX, VA 22030 |
* | $ 2,093,200,000 | 1 | $ 50,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 319,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ 189,567,000 | 1 | $ 117,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 169,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ 710,000 | 1 | $ 68,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 91,000 |
| Union Bank & Trust 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 7,672,005,000 | 1 | $ 38,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 320,000 |
| First Bank 112 W KING ST STRASBURG, VA 22657 |
* | $ 692,057,000 | 1 | $ 120,000 |
| Stanford Federal Credit Union 1860 EMBARCADERO ROAD PALO ALTO, CA 94303 |
* | $ 1,894,472,000 | 1 | $ 178,000 |
| First United Bank & Trust 19 S SECOND STREET OAKLAND, MD 21550 |
* | $ 1,302,076,000 | 1 | $ 300,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 1 | $ 25,000 |
| Nih Federal Credit Union 111 ROCKVILLE PIKE, SUITE 500 ROCKVILLE, MD 20850 |
* | $ 566,026,000 | 1 | $ 131,000 |
| Bank Fund Staff Federal Credit 1725 I STREET NW SUITE 150 WASHINGTON, DC 20006 |
* | $ 4,216,262,000 | 1 | $ 178,000 |
| Chessie Federal Credit Union 15 COMMERCE DRIVE CUMBERLAND, MD 21502 |
* | $ 251,724,000 | 1 | $ 25,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 276,000 |
| McLean Mortgage Corporation 11325 RANDOM HILLS RD. SUITE 400 FAIRFAX, VA 22030 |
* | $ 50,010,000 | 1 | $ 206,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 1 | $ 96,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 138,620,635,000 | 1 | $ 32,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 31,272,894,000 | 1 | $ 250,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 11,567,246,000 | 1 | $ 50,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 31,373,540,000 | 1 | $ 39,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 122,099,687,000 | 1 | $ 54,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ 327,887,000 | 1 | $ 189,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 318,361,000 | 1 | $ 223,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 95,747,000 | 1 | $ 163,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 3,696,846,000 | 1 | $ 50,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 140,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 93,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 70,879,778,000 | 1 | $ 135,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 273,231,606,000 | 1 | $ 48,000 |
The tables below break down 2016 mortgage applications in Hardy 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 Hardy County, WV in 2016
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 | 252 | $29,386,000 | $116,000 | $500,000 | $73,000 | $420,000 |
| Refinancing | 235 | $38,041,000 | $161,000 | $1,344,000 | $73,000 | $635,000 |
| Home Improvement | 51 | $3,158,000 | $61,000 | $253,000 | $71,000 | $370,000 |
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 | 432 | $55,332,000 | $128,000 | $1,344,000 | $76,000 | $635,000 |
| Not applicable | 43 | $6,227,000 | $144,000 | $543,000 | $38,000 | $264,000 |
| Not Provided | 37 | $5,767,000 | $155,000 | $603,000 | $84,000 | $545,000 |
| Hispanic | 13 | $1,377,000 | $105,000 | $232,000 | $43,000 | $81,000 |
| American Indian or Alaskan Native | 4 | $956,000 | $239,000 | $408,000 | $176,000 | $270,000 |
| Asian | 4 | $282,000 | $70,000 | $99,000 | $39,000 | $51,000 |
| Black or African American | 4 | $513,000 | $128,000 | $217,000 | $108,000 | $271,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $131,000 | $131,000 | $131,000 | $90,000 | $90,000 |
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) | 401 | $50,514,000 | $125,000 | $1,344,000 | $86,000 | $635,000 |
| FHA-insured (Federal Housing Administration) | 51 | $6,172,000 | $121,000 | $276,000 | $35,000 | $104,000 |
| VA-guaranteed (Veterans Administration) | 48 | $9,006,000 | $187,000 | $346,000 | $37,000 | $184,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 38 | $4,893,000 | $128,000 | $242,000 | $32,000 | $74,000 |
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 | 308 | $40,557,000 | $131,000 | $1,344,000 | $83,000 | $635,000 |
| Application Denied By Financial Institution | 115 | $14,236,000 | $123,000 | $603,000 | $57,000 | $370,000 |
| Loan Purchased By The Institution | 51 | $7,435,000 | $145,000 | $327,000 | $54,000 | $303,000 |
| Application Withdrawn By Applicant | 32 | $4,844,000 | $151,000 | $417,000 | $69,000 | $305,000 |
| File Closed For Incompleteness | 17 | $1,460,000 | $85,000 | $220,000 | $41,000 | $76,000 |
| Application Approved But Not Accepted | 15 | $2,053,000 | $136,000 | $414,000 | $98,000 | $364,000 |
| 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 | 23 | $2,343,000 | $101,000 | $300,000 | $40,000 | $81,000 |
| Collateral | 18 | $2,289,000 | $127,000 | $413,000 | $81,000 | $181,000 |
| Debt-To-Income Ratio | 16 | $1,500,000 | $93,000 | $297,000 | $66,000 | $370,000 |
| Credit Application Incomplete | 3 | $363,000 | $121,000 | $194,000 | $67,000 | $95,000 |
| Other | 2 | $236,000 | $118,000 | $202,000 | $28,000 | $33,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $35,000 | $35,000 | $35,000 | $9,000 | $9,000 |
| Mortgage Insurance Denied | 1 | $178,000 | $178,000 | $178,000 | $107,000 | $107,000 |
| Unverifiable Information | 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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