Wesbanco Bank, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Wesbanco Bank, Inc. 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Wesbanco Bank, Inc. 1 Bank Plaza Wheeling, WV 26003 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,765 |
| Total Mortgage Loan Application Amount | $374,705,000 |
| Average Mortgage Loan Application Amount | $348,000 |
| Highest Mortgage Loan Application Amount | $8,900,000 |
| Average Applicant Income | $73,309 |
| Highest Applicant Income | $1,406,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Wesbanco Bank, Inc.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Wesbanco Bank, Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Wesbanco Bank, Inc.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Wesbanco Bank, Inc. serves its applicants.
Each category highlights the total number of mortgage applications processed by Wesbanco Bank, Inc., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Wesbanco Bank, Inc.'s mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Belmont County Ohio | 365 | $ 25,240,000 | $ 69,000 | $ 42,000 |
| Harrison County West Virginia | 315 | $ 25,775,000 | $ 81,000 | $ 46,000 |
| Monongalia County West Virginia | 263 | $ 27,533,000 | $ 104,000 | $ 65,000 |
| Wood County West Virginia | 232 | $ 19,530,000 | $ 84,000 | $ 39,000 |
| Ohio County West Virginia | 224 | $ 21,519,000 | $ 96,000 | $ 62,000 |
| Clark County Ohio | 198 | $ 20,520,000 | $ 103,000 | $ 68,000 |
| Kanawha County West Virginia | 198 | $ 15,665,000 | $ 79,000 | $ 53,000 |
| Wetzel County West Virginia | 179 | $ 8,704,000 | $ 48,000 | $ 40,000 |
| Marion County West Virginia | 174 | $ 11,714,000 | $ 67,000 | $ 39,000 |
| Marshall County West Virginia | 151 | $ 7,575,000 | $ 50,000 | $ 39,000 |
| Preston County West Virginia | 136 | $ 7,205,000 | $ 52,000 | $ 41,000 |
| Monroe County Ohio | 134 | $ 7,766,000 | $ 57,000 | $ 38,000 |
| Brooke County West Virginia | 102 | $ 5,367,000 | $ 52,000 | $ 62,000 |
| Ritchie County West Virginia | 90 | $ 3,529,000 | $ 39,000 | $ 29,000 |
| Franklin County Ohio | 76 | $ 19,706,000 | $ 259,000 | $ 69,000 |
| Washington County Ohio | 75 | $ 6,389,000 | $ 85,000 | $ 38,000 |
| Tyler County West Virginia | 73 | $ 3,218,000 | $ 44,000 | $ 36,000 |
| Washington County Pennsylvania | 66 | $ 7,875,000 | $ 119,000 | $ 41,000 |
| Hancock County West Virginia | 65 | $ 4,163,000 | $ 64,000 | $ 35,000 |
| Guernsey County Ohio | 60 | $ 4,334,000 | $ 72,000 | $ 55,000 |
| Jackson County West Virginia | 51 | $ 3,071,000 | $ 60,000 | $ 35,000 |
| Allegheny County Pennsylvania | 40 | $ 12,878,000 | $ 321,000 | $ 70,000 |
| Jefferson County Ohio | 36 | $ 7,280,000 | $ 202,000 | $ 66,000 |
| Montgomery County Ohio | 34 | $ 6,491,000 | $ 190,000 | $ 70,000 |
| Greene County Ohio | 29 | $ 3,620,000 | $ 124,000 | $ 74,000 |
| Harrison County Ohio | 23 | $ 1,270,000 | $ 55,000 | $ 33,000 |
| Noble County Ohio | 21 | $ 1,758,000 | $ 83,000 | $ 41,000 |
| Champaign County Ohio | 19 | $ 2,220,000 | $ 116,000 | $ 63,000 |
| Pleasants County West Virginia | 18 | $ 962,000 | $ 53,000 | $ 32,000 |
| Wirt County West Virginia | 18 | $ 755,000 | $ 41,000 | $ 33,000 |
| Taylor County West Virginia | 16 | $ 1,144,000 | $ 71,000 | $ 47,000 |
| Upshur County West Virginia | 14 | $ 1,117,000 | $ 79,000 | $ 58,000 |
| Putnam County West Virginia | 10 | $ 992,000 | $ 99,000 | $ 43,000 |
| Licking County Ohio | 9 | $ 1,128,000 | $ 125,000 | $ 61,000 |
| Doddridge County West Virginia | 8 | $ 496,000 | $ 62,000 | $ 34,000 |
| Lake County Illinois | 7 | $ 3,721,000 | $ 531,000 | $ 0 |
| Fairfield County Ohio | 7 | $ 650,000 | $ 92,000 | $ 59,000 |
| Montgomery County Pennsylvania | 7 | $ 3,455,000 | $ 493,000 | $ 214,000 |
| Westmoreland County Pennsylvania | 7 | $ 818,000 | $ 116,000 | $ 24,000 |
| Montgomery County Maryland | 6 | $ 3,303,000 | $ 550,000 | $ 183,000 |
| Lewis County West Virginia | 6 | $ 599,000 | $ 99,000 | $ 44,000 |
| Athens County Ohio | 5 | $ 444,000 | $ 88,000 | $ 70,000 |
| Delaware County Ohio | 5 | $ 1,658,000 | $ 331,000 | $ 132,000 |
| Fairfax County Virginia | 5 | $ 2,698,000 | $ 539,000 | $ 192,000 |
| Barbour County West Virginia | 5 | $ 379,000 | $ 75,000 | $ 51,000 |
| Randolph County West Virginia | 5 | $ 420,000 | $ 84,000 | $ 48,000 |
| Cook County Illinois | 4 | $ 2,229,000 | $ 557,000 | $ 0 |
| Garrett County Maryland | 4 | $ 1,612,000 | $ 403,000 | $ 179,000 |
| Fayette County Pennsylvania | 4 | $ 847,000 | $ 211,000 | $ 73,000 |
| Orange County California | 3 | $ 1,502,000 | $ 500,000 | $ 0 |
| DuPage County Illinois | 3 | $ 1,960,000 | $ 653,000 | $ 0 |
| Oakland County Michigan | 3 | $ 1,351,000 | $ 450,000 | $ 0 |
| Butler County Ohio | 3 | $ 498,000 | $ 166,000 | $ 74,000 |
| Madison County Ohio | 3 | $ 209,000 | $ 69,000 | $ 43,000 |
| Morgan County Ohio | 3 | $ 204,000 | $ 68,000 | $ 37,000 |
| Muskingum County Ohio | 3 | $ 1,294,000 | $ 431,000 | $ 224,000 |
| Tuscarawas County Ohio | 3 | $ 247,000 | $ 82,000 | $ 52,000 |
| Greene County Pennsylvania | 3 | $ 333,000 | $ 111,000 | $ 34,000 |
| Lawrence County Pennsylvania | 3 | $ 450,000 | $ 150,000 | $ 41,000 |
| Somerset County Pennsylvania | 3 | $ 1,746,000 | $ 582,000 | $ 310,000 |
| Boone County West Virginia | 3 | $ 352,000 | $ 117,000 | $ 59,000 |
| Pocahontas County West Virginia | 3 | $ 330,000 | $ 110,000 | $ 168,000 |
| Los Angeles County California | 2 | $ 974,000 | $ 487,000 | $ 0 |
| Santa Clara County California | 2 | $ 986,000 | $ 493,000 | $ 0 |
| Lee County Florida | 2 | $ 319,000 | $ 159,000 | $ 127,000 |
| Anne Arundel County Maryland | 2 | $ 993,000 | $ 496,000 | $ 196,000 |
| Hamilton County Ohio | 2 | $ 787,000 | $ 393,000 | $ 231,000 |
| Lawrence County Ohio | 2 | $ 462,000 | $ 231,000 | $ 21,000 |
| Logan County Ohio | 2 | $ 250,000 | $ 125,000 | $ 176,000 |
| Meigs County Ohio | 2 | $ 38,000 | $ 19,000 | $ 31,000 |
| Miami County Ohio | 2 | $ 295,000 | $ 147,000 | $ 59,000 |
| Richland County Ohio | 2 | $ 5,235,000 | $ 2,617,000 | $ 18,000 |
| Warren County Ohio | 2 | $ 248,000 | $ 124,000 | $ 62,000 |
| Delaware County Pennsylvania | 2 | $ 914,000 | $ 457,000 | $ 466,000 |
| Alexandria County Virginia | 2 | $ 718,000 | $ 359,000 | $ 51,000 |
| Fayette County West Virginia | 2 | $ 109,000 | $ 54,000 | $ 35,000 |
| Nicholas County West Virginia | 2 | $ 66,000 | $ 33,000 | $ 61,000 |
| Tucker County West Virginia | 2 | $ 424,000 | $ 212,000 | $ 262,000 |
| Shelby County Alabama | 1 | $ 430,000 | $ 430,000 | $ 0 |
| Contra Costa County California | 1 | $ 997,000 | $ 997,000 | $ 0 |
| Marin County California | 1 | $ 1,000,000 | $ 1,000,000 | $ 642,000 |
| San Diego County California | 1 | $ 449,000 | $ 449,000 | $ 0 |
| Ventura County California | 1 | $ 380,000 | $ 380,000 | $ 0 |
| Summit County Colorado | 1 | $ 497,000 | $ 497,000 | $ 0 |
| Fairfield County Connecticut | 1 | $ 467,000 | $ 467,000 | $ 0 |
| District of Columbia County District Of Columbia | 1 | $ 240,000 | $ 240,000 | $ 780,000 |
| Flagler County Florida | 1 | $ 532,000 | $ 532,000 | $ 376,000 |
| Okaloosa County Florida | 1 | $ 596,000 | $ 596,000 | $ 0 |
| Palm Beach County Florida | 1 | $ 380,000 | $ 380,000 | $ 0 |
| Walton County Florida | 1 | $ 419,000 | $ 419,000 | $ 0 |
| Kane County Illinois | 1 | $ 336,000 | $ 336,000 | $ 0 |
| Will County Illinois | 1 | $ 387,000 | $ 387,000 | $ 0 |
| Adams County Indiana | 1 | $ 48,000 | $ 48,000 | $ 73,000 |
| Allen County Indiana | 1 | $ 403,000 | $ 403,000 | $ 250,000 |
| Fayette County Kentucky | 1 | $ 468,000 | $ 468,000 | $ 205,000 |
| Kenton County Kentucky | 1 | $ 109,000 | $ 109,000 | $ 40,000 |
| Knott County Kentucky | 1 | $ 230,000 | $ 230,000 | $ 82,000 |
| Lewis County Kentucky | 1 | $ 35,000 | $ 35,000 | $ 53,000 |
| Shelby County Kentucky | 1 | $ 413,000 | $ 413,000 | $ 180,000 |
| Baltimore County Maryland | 1 | $ 467,000 | $ 467,000 | $ 200,000 |
| Queen Anne's County Maryland | 1 | $ 708,000 | $ 708,000 | $ 256,000 |
| Talbot County Maryland | 1 | $ 749,000 | $ 749,000 | $ 689,000 |
| Plymouth County Massachusetts | 1 | $ 371,000 | $ 371,000 | $ 0 |
| Wayne County Michigan | 1 | $ 378,000 | $ 378,000 | $ 0 |
| Anoka County Minnesota | 1 | $ 399,000 | $ 399,000 | $ 0 |
| Hennepin County Minnesota | 1 | $ 599,000 | $ 599,000 | $ 0 |
| Hubbard County Minnesota | 1 | $ 379,000 | $ 379,000 | $ 0 |
| St. Louis County Missouri | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Camden County New Jersey | 1 | $ 444,000 | $ 444,000 | $ 0 |
| Morris County New Jersey | 1 | $ 419,000 | $ 419,000 | $ 0 |
| Union County New Jersey | 1 | $ 367,000 | $ 367,000 | $ 0 |
| Nassau County New York | 1 | $ 401,000 | $ 401,000 | $ 0 |
| Suffolk County New York | 1 | $ 992,000 | $ 992,000 | $ 0 |
| Dare County North Carolina | 1 | $ 345,000 | $ 345,000 | $ 102,000 |
| Orange County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 54,000 |
| Brown County Ohio | 1 | $ 580,000 | $ 580,000 | $ 225,000 |
| Carroll County Ohio | 1 | $ 30,000 | $ 30,000 | $ 68,000 |
| Coshocton County Ohio | 1 | $ 70,000 | $ 70,000 | $ 104,000 |
| Darke County Ohio | 1 | $ 147,000 | $ 147,000 | $ 28,000 |
| Gallia County Ohio | 1 | $ 50,000 | $ 50,000 | $ 62,000 |
| Knox County Ohio | 1 | $ 282,000 | $ 282,000 | $ 63,000 |
| Lorain County Ohio | 1 | $ 712,000 | $ 712,000 | $ 247,000 |
| Lucas County Ohio | 1 | $ 2,113,000 | $ 2,113,000 | $ 0 |
| Ottawa County Ohio | 1 | $ 152,000 | $ 152,000 | $ 78,000 |
| Preble County Ohio | 1 | $ 36,000 | $ 36,000 | $ 44,000 |
| Summit County Ohio | 1 | $ 75,000 | $ 75,000 | $ 51,000 |
| Wood County Ohio | 1 | $ 101,000 | $ 101,000 | $ 47,000 |
| Wyandot County Ohio | 1 | $ 283,000 | $ 283,000 | $ 78,000 |
| Berks County Pennsylvania | 1 | $ 706,000 | $ 706,000 | $ 417,000 |
| Bucks County Pennsylvania | 1 | $ 283,000 | $ 283,000 | $ 139,000 |
| Chester County Pennsylvania | 1 | $ 498,000 | $ 498,000 | $ 206,000 |
| Erie County Pennsylvania | 1 | $ 141,000 | $ 141,000 | $ 918,000 |
| Lycoming County Pennsylvania | 1 | $ 63,000 | $ 63,000 | $ 121,000 |
| York County Pennsylvania | 1 | $ 380,000 | $ 380,000 | $ 204,000 |
| Beaufort County South Carolina | 1 | $ 460,000 | $ 460,000 | $ 0 |
| Harris County Texas | 1 | $ 443,000 | $ 443,000 | $ 0 |
| Arlington County Virginia | 1 | $ 353,000 | $ 353,000 | $ 183,000 |
| Henrico County Virginia | 1 | $ 354,000 | $ 354,000 | $ 182,000 |
| Spotsylvania County Virginia | 1 | $ 283,000 | $ 283,000 | $ 62,000 |
| Virginia Beach County Virginia | 1 | $ 648,000 | $ 648,000 | $ 213,000 |
| Berkeley County West Virginia | 1 | $ 53,000 | $ 53,000 | $ 101,000 |
| Gilmer County West Virginia | 1 | $ 76,000 | $ 76,000 | $ 36,000 |
| Grant County West Virginia | 1 | $ 140,000 | $ 140,000 | $ 43,000 |
| Greenbrier County West Virginia | 1 | $ 377,000 | $ 377,000 | $ 104,000 |
| Lincoln County West Virginia | 1 | $ 136,000 | $ 136,000 | $ 63,000 |
| Mason County West Virginia | 1 | $ 35,000 | $ 35,000 | $ 17,000 |
| Morgan County West Virginia | 1 | $ 135,000 | $ 135,000 | $ 91,000 |
| Wayne County West Virginia | 1 | $ 40,000 | $ 40,000 | $ 28,000 |
| Webster County West Virginia | 1 | $ 99,000 | $ 99,000 | $ 131,000 |
Mortgage Loan Application Detail Totals for Wesbanco Bank, Inc. in 2004
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 | 1,853 | $198,717,000 | $349,850 | $5,100,000 | $83,500 | $1,230,000 |
| Refinancing | 1,061 | $153,099,000 | $402,333 | $8,900,000 | $67,944 | $689,000 |
| Home Improvement | 851 | $22,889,000 | $94,250 | $1,473,000 | $46,500 | $1,406,000 |
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 | 3,299 | $267,813,000 | $294,500 | $1,600,000 | $219,583 | $1,406,000 |
| Not applicable | 190 | $67,610,000 | $450,736 | $8,900,000 | $0 | $0 |
| Not Provided | 137 | $21,021,000 | $289,400 | $3,731,000 | $119,600 | $846,000 |
| Black or African American | 78 | $6,857,000 | $148,500 | $1,442,000 | $78,250 | $498,000 |
| Asian | 26 | $7,401,000 | $462,333 | $1,473,000 | $199,333 | $450,000 |
| Hispanic | 20 | $2,594,000 | $180,666 | $712,000 | $84,333 | $453,000 |
| American Indian or Alaskan Native | 12 | $687,000 | $55,000 | $190,000 | $26,333 | $69,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $722,000 | $240,000 | $595,000 | $166,000 | $300,000 |
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) | 3,537 | $355,404,000 | $378,958 | $8,900,000 | $80,875 | $1,406,000 |
| FHA-insured (Federal Housing Administration) | 133 | $10,395,000 | $74,000 | $158,000 | $40,500 | $105,000 |
| VA-guaranteed (Veterans Administration) | 95 | $8,906,000 | $90,000 | $260,000 | $44,000 | $139,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,626 | $260,782,000 | $295,750 | $8,900,000 | $184,750 | $1,406,000 |
| Application Denied By Financial Institution | 604 | $26,081,000 | $107,800 | $1,400,000 | $49,600 | $276,000 |
| Application Withdrawn By Applicant | 272 | $27,645,000 | $133,000 | $3,731,000 | $62,000 | $469,000 |
| Application Approved But Not Accepted | 150 | $13,745,000 | $183,000 | $580,000 | $111,750 | $376,000 |
| Loan Purchased By The Institution | 89 | $43,191,000 | $459,100 | $997,000 | $75,500 | $689,000 |
| Preapproval Denied by Financial Institution | 24 | $3,261,000 | $135,000 | $1,600,000 | $33,000 | $625,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wesbanco Bank, Inc.'s 2004 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Wesbanco Bank, Inc.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in West Virginia, download the full spreadsheet
with aggregated HMDA statistics today.