Hardy County, WV Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 408 mortgage applications in Hardy County, WV totaling $86.0 million, up 4% from 2023. The average application was for $210,000, and applicants reported an average income of $134,000. 62% of applications resulted in an originated loan and 16% were denied. The most active lender was Pendleton Community Bank, with 39 applications, followed by Capon Valley Bank and Burke & Herbert Bk & Tr Co.
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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 | 408 |
| Total Mortgage Loan Application Amount | $86,010,000 |
| Average Mortgage Loan Application Amount | $210,000 |
| Highest Mortgage Loan Application Amount | $1,355,000 |
| Average Applicant Income | $134,000 |
| Highest Applicant Income | $1,842,000 |
* 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 |
|---|---|---|---|---|
| Pendleton Community Bank 128 N MAIN ST FRANKLIN, WV 26807 |
* | $ n/a | 39 | $ 7,735,000 |
| Capon Valley Bank PO BOX 119 WARDENSVILLE, WV 26851 |
* | $ n/a | 39 | $ 8,335,000 |
| Burke & Herbert Bk & Tr Co 100 S. FAIRFAX ST ALEXANDRIA, VA 22315 |
* | $ n/a | 18 | $ 1,510,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 16 | $ 3,870,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 15 | $ 3,515,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 15 | $ 2,285,000 |
| Integrity Home Mortgage Corporation 122 PILOT CIRCLE WINCHESTER, VA 22602 |
* | $ n/a | 14 | $ 2,630,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 13 | $ 1,935,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 13 | $ 3,695,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ n/a | 12 | $ 1,720,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 10 | $ 1,640,000 |
| The Grant County Bank P. O. BOX 929 PETERSBURG, WV 26847 |
* | $ n/a | 9 | $ 1,345,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 9 | $ 2,025,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 7 | $ 2,435,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ n/a | 6 | $ 1,590,000 |
| Homespire Mortgage Corporation FAIRFAX, VA 22031 |
* | $ n/a | 6 | $ 1,370,000 |
| Farmers & Merchants Bank PO BOX 1111 TIMBERVILLE, VA 22853 |
* | $ n/a | 6 | $ 1,750,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 6 | $ 1,060,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 5 | $ 1,505,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 5 | $ 1,065,000 |
| Fnb Bank, Inc 105 NORTH HIGH STREET ROMNEY, WV 26757 |
* | $ n/a | 5 | $ 1,035,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 4 | $ 1,170,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 4 | $ 570,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 4 | $ 340,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 4 | $ 1,080,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 4 | $ 400,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 3 | $ 695,000 |
| Partners 1st Federal Credit Union 1330 DIRECTORS ROW FORT WAYNE, IN 46808 |
* | $ n/a | 3 | $ 95,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 3 | $ 535,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 3 | $ 905,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 3 | $ 835,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 3 | $ 685,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ n/a | 3 | $ 1,075,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 3 | $ 945,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 3 | $ 885,000 |
| Atlantic Coast Mortgage, LLC 4100 MONUMENT CORNER DRIVE, SUITE 300 FAIRFAX, VA 22030 |
* | $ n/a | 3 | $ 1,125,000 |
| Intercoastal Mortgage, LLC 11911 FREEDOM DRIVE SUITE 500 RESTON, VA 20190 |
* | $ n/a | 2 | $ 560,000 |
| Apple Federal Credit Union 4029 RIDGE TOP RD FAIRFAX, VA 22030 |
* | $ n/a | 2 | $ 220,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 2 | $ 250,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ n/a | 2 | $ 460,000 |
| Millennium Financial Group Inc dba Mlend 8803 BALTIMORE NATIONAL PIKE MIDDLETOWN, MD 21769 |
* | $ n/a | 2 | $ 590,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ n/a | 2 | $ 1,040,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 2 | $ 430,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 2 | $ 780,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 2 | $ 270,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ n/a | 2 | $ 160,000 |
| First United Bank & Trust 19 S SECOND STREET OAKLAND, MD 21550 |
* | $ n/a | 2 | $ 300,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 115,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 245,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ n/a | 1 | $ 115,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ n/a | 1 | $ 355,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ n/a | 1 | $ 555,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 1 | $ 415,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 185,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ n/a | 1 | $ 115,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 115,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 375,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 265,000 |
| Nextmortgage, LLC 3160 CROW CANYON RD SAN RAMON, CA 94583 |
* | $ n/a | 1 | $ 255,000 |
| Northrop Grumman Federal Credit Union 879 W 190TH ST 8TH FLOOR GARDENA, CA 90248 |
* | $ n/a | 1 | $ 105,000 |
| Tower Federal Credit Union 7901 SANDY SPRING ROAD LAUREL, MD 20707 |
* | $ n/a | 1 | $ 65,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 195,000 |
| Tidewater Mortgage Services, Inc 200 GOLDEN OAK COURT STE. 100 VIRGINIA BEACH, VA 26452 |
* | $ n/a | 1 | $ 545,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 75,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 275,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 85,000 |
| Shore United Bank, N.A. 18 EAST DOVER STREET EASTON, MD 21601 |
* | $ n/a | 1 | $ 285,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 1 | $ 265,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 215,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 125,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 1 | $ 335,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 295,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 245,000 |
| Sandy Spring Bank 6831 BENJAMIN FRANKIN DRIVE COLUMBIA, MD 21046 |
* | $ n/a | 1 | $ 625,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ n/a | 1 | $ 175,000 |
| Capital Bank, N.A. ONE CHURCH ST SUITE 300 ROCKVILLE, MD 20850 |
* | $ n/a | 1 | $ 285,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 155,000 |
| Cornerstone First Mortgage, LLC 2655 CAMINO DEL RIO N #450 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 265,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 285,000 |
| Bayshore Mortgage Funding 1920 GREENSPRING DRIVE, SUITE 140 TIMONIUM, MD 21093 |
* | $ n/a | 1 | $ 575,000 |
| Direct Mortgage Loans, LLC 111011 MCCORMICK RD, SUITE 400 HUNT VALLEY, MD 21031 |
* | $ n/a | 1 | $ 395,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ n/a | 1 | $ 275,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ n/a | 1 | $ 205,000 |
| American Heritage Lending, LLC 19800 MACARTHUR BLVD SUITE 950 IRVINE, CA 92612 |
* | $ n/a | 1 | $ 185,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ n/a | 1 | $ 125,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 255,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 185,000 |
The tables below break down 2024 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 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 | 229 | $58,505,000 | $255,000 | $1,355,000 | $155,000 | $1,842,000 |
| Cash-out Refinancing | 68 | $11,950,000 | $175,000 | $625,000 | $97,000 | $537,000 |
| Refinancing | 50 | $10,830,000 | $216,000 | $555,000 | $94,000 | $335,000 |
| Other Purpose | 31 | $2,385,000 | $76,000 | $525,000 | $141,000 | $1,724,000 |
| Home Improvement | 30 | $2,340,000 | $78,000 | $255,000 | $117,000 | $322,000 |
| 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 | 313 | $63,675,000 | $203,000 | $795,000 | $134,000 | $1,842,000 |
| Not Provided | 44 | $8,810,000 | $200,000 | $515,000 | $143,000 | $789,000 |
| Not applicable | 34 | $10,430,000 | $306,000 | $1,355,000 | $32,000 | $32,000 |
| Hispanic | 6 | $570,000 | $95,000 | $185,000 | $73,000 | $105,000 |
| Black or African American | 5 | $865,000 | $173,000 | $245,000 | $108,000 | $214,000 |
| Asian | 4 | $1,200,000 | $300,000 | $575,000 | $207,000 | $235,000 |
| American Indian or Alaskan Native | 2 | $460,000 | $230,000 | $395,000 | $18,000 | $18,000 |
| 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) | 305 | $60,695,000 | $199,000 | $1,355,000 | $150,000 | $1,842,000 |
| FHA-insured (Federal Housing Administration) | 51 | $10,525,000 | $206,000 | $625,000 | $75,000 | $183,000 |
| VA-guaranteed (Veterans Administration) | 42 | $12,970,000 | $308,000 | $595,000 | $87,000 | $187,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,820,000 | $182,000 | $215,000 | $66,000 | $86,000 |
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 | 254 | $53,450,000 | $210,000 | $1,355,000 | $140,000 | $1,842,000 |
| Application Denied By Financial Institution | 66 | $10,260,000 | $155,000 | $515,000 | $86,000 | $322,000 |
| Application Withdrawn By Applicant | 30 | $6,970,000 | $232,000 | $575,000 | $184,000 | $789,000 |
| Loan Purchased By The Institution | 26 | $7,990,000 | $307,000 | $625,000 | $88,000 | $145,000 |
| File Closed For Incompleteness | 20 | $4,370,000 | $218,000 | $625,000 | $89,000 | $287,000 |
| Application Approved But Not Accepted | 11 | $2,565,000 | $233,000 | $555,000 | $291,000 | $1,724,000 |
| Preapproval Approved but not Accepted | 1 | $405,000 | $405,000 | $405,000 | $121,000 | $121,000 |
| 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 | 289 | $64,795,000 | $224,000 | $795,000 | $148,000 | $1,842,000 |
| Debt-To-Income Ratio | 66 | $12,950,000 | $196,000 | $1,355,000 | $115,000 | $493,000 |
| Collateral | 18 | $2,620,000 | $145,000 | $325,000 | $100,000 | $322,000 |
| Credit History | 13 | $1,705,000 | $131,000 | $365,000 | $78,000 | $160,000 |
| Credit Application Incomplete | 8 | $810,000 | $101,000 | $205,000 | $79,000 | $177,000 |
| Other | 6 | $1,430,000 | $238,000 | $515,000 | $114,000 | $282,000 |
| Unverifiable Information | 6 | $1,210,000 | $201,000 | $375,000 | $108,000 | $176,000 |
| Employment History | 1 | $295,000 | $295,000 | $295,000 | $95,000 | $95,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $195,000 | $195,000 | $195,000 | $74,000 | $74,000 |
| 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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