Lincoln County, WV Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 595 mortgage applications in Lincoln County, WV totaling $46.3 million, down 7% from 2012. The average application was for $77,000, and applicants reported an average income of $57,000. 44% of applications resulted in an originated loan and 33% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 142 applications, followed by City National Bank of Wv and Truist Bank.
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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 | 595 |
| Total Mortgage Loan Application Amount | $46,290,000 |
| Average Mortgage Loan Application Amount | $77,000 |
| Highest Mortgage Loan Application Amount | $355,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $340,000 |
* 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 |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 142 | $ 8,815,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,893,976,000 | 102 | $ 5,114,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 38 | $ 3,045,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 55,954,625,000 | 33 | $ 3,165,000 |
| Premier Bank, Inc. 601 WASHINGTON STREET RAVENSWOOD, WV 26164 |
* | $ 738,858,000 | 23 | $ 604,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,617,126,000 | 17 | $ 745,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 12 | $ 1,481,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 12 | $ 1,398,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,891,810,000 | 10 | $ 703,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 119,444,656,000 | 10 | $ 583,000 |
| Logan Bank & Trust Company 43 WASHINTON AVE LOGAN, WV 25601 |
* | $ 251,486,000 | 10 | $ 516,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 9 | $ 1,025,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 119,444,656,000 | 9 | $ 1,165,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 313,661,000 | 9 | $ 815,000 |
| Putnam County Bank P.O. BOX 308 HURRICANE, WV 25526 |
* | $ 603,197,000 | 8 | $ 687,000 |
| Pioneer Appalachia Federal Credit Union 1316 KANAWHA BLVD., E. CHARLESTON, WV 25301 |
* | $ 148,550,000 | 8 | $ 362,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 7 | $ 695,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ 12,167,000 | 7 | $ 771,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 6 | $ 582,000 |
| West Virginia Federal Credit Union 318 5TH AVENUE SOUTH CHARLESTON, WV 25303 |
* | $ 169,402,000 | 6 | $ 453,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 5 | $ 475,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 5 | $ 670,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 6,065,555,000 | 5 | $ 508,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 5 | $ 507,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 4 | $ 325,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 4 | $ 458,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 4 | $ 590,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 391,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ 312,134,000 | 3 | $ 439,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 1,380,775,000 | 3 | $ 353,000 |
| The State Credit Union 2200 WASHINGTON STREET, EAST, CHARLESTON, WV 25311 |
* | $ 55,023,000 | 3 | $ 258,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 3 | $ 128,000 |
| Ohio Valley Bank 420 THIRD AVE GALLIPOLIS, OH 45631 |
* | $ 757,444,000 | 3 | $ 293,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 175,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 2 | $ 169,000 |
| Peoples Bank, National Associa 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 1,911,841,000 | 2 | $ 144,000 |
| Caliber Funding LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 2 | $ 213,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 249,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,232,230,000 | 2 | $ 505,000 |
| Universal Federal Credit Union 317 31ST STREET HUNTINGTON, WV 25702 |
* | $ 72,985,000 | 2 | $ 52,000 |
| Star USA Federal Credit Union ONE CANTLEY DRIVE CHARLESTON, WV 25314 |
* | $ 164,922,000 | 1 | $ 224,000 |
| Ashland Credit Union 1300 CENTRAL AVE ASHLAND, KY 41101 |
* | $ 172,866,000 | 1 | $ 118,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 280,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 151,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 288,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 862,757,000 | 1 | $ 114,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 175,000 |
| Priority Mortgage Corp. 150 E WILSON BRIDGE RD STE 350 WORTHINGTON, OH 43085 |
* | $ 10,000,000 | 1 | $ 162,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 36,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 106,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 161,000 |
| First Sentry Bank, Inc. 823 EIGHTH STREET HUNTINGTON, WV 25701 |
* | $ 493,452,000 | 1 | $ 79,000 |
| First Bank of Charleston, Inc. 201 PENNSYLVANIA AVE CHARLESTON, WV 25302 |
* | $ 205,480,000 | 1 | $ 180,000 |
| Camc Federal Credit Union 3400 MACCORKLE AVENUE SE CHARLESTON, WV 25304 |
* | $ 56,721,000 | 1 | $ 50,000 |
| Citizens Nb of Paintsville PO BOX 1488 PAINTSVILLE, KY 41240 |
* | $ 558,581,000 | 1 | $ 52,000 |
| Citizens Deposit Bank & Trust PO BOX 9 10 SECOND STREET VANCEBURG, KY 41179 |
* | $ 374,958,000 | 1 | $ 84,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,203,139,000 | 1 | $ 77,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 90,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 150,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 86,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 1 | $ 103,000 |
| West Town Bank & Trust 7820 W 26TH STREET NORTH RIVERSIDE, IL 60546 |
* | $ 140,392,000 | 1 | $ 74,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 4,932,825,000 | 1 | $ 136,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 2,704,090,000 | 1 | $ 35,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 1 | $ 86,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 1 | $ 30,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 305,000 |
| Members Choice Wv Federal Credit Union 201 OHIO AVENUE CHARLESTON, WV 25302 |
* | $ 85,991,000 | 1 | $ 18,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 274,539,000 | 1 | $ 142,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 209,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 1 | $ 237,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 82,086,021,000 | 1 | $ 55,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 1 | $ 48,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 1 | $ 126,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 27,934,078,000 | 1 | $ 288,000 |
The tables below break down 2013 mortgage applications in Lincoln 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 Lincoln County, WV in 2013
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 | 280 | $21,926,000 | $78,000 | $300,000 | $52,000 | $219,000 |
| Refinancing | 213 | $21,886,000 | $102,000 | $355,000 | $64,000 | $340,000 |
| Home Improvement | 102 | $2,478,000 | $24,000 | $188,000 | $55,000 | $177,000 |
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 | 566 | $43,174,000 | $76,000 | $355,000 | $58,000 | $340,000 |
| Not Provided | 14 | $1,451,000 | $103,000 | $305,000 | $63,000 | $132,000 |
| Not applicable | 9 | $1,191,000 | $132,000 | $288,000 | $0 | $0 |
| Black or African American | 3 | $220,000 | $73,000 | $142,000 | $34,000 | $35,000 |
| American Indian or Alaskan Native | 2 | $134,000 | $67,000 | $80,000 | $18,000 | $37,000 |
| Asian | 1 | $120,000 | $120,000 | $120,000 | $35,000 | $35,000 |
| Hispanic | 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) | 505 | $35,957,000 | $71,000 | $355,000 | $59,000 | $340,000 |
| FHA-insured (Federal Housing Administration) | 65 | $6,922,000 | $106,000 | $216,000 | $42,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 17 | $2,511,000 | $147,000 | $305,000 | $46,000 | $124,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $900,000 | $112,000 | $146,000 | $48,000 | $63,000 |
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 | 263 | $22,490,000 | $85,000 | $305,000 | $65,000 | $276,000 |
| Application Denied By Financial Institution | 195 | $12,788,000 | $65,000 | $355,000 | $50,000 | $340,000 |
| Application Approved But Not Accepted | 90 | $6,167,000 | $68,000 | $209,000 | $51,000 | $195,000 |
| Application Withdrawn By Applicant | 22 | $1,700,000 | $77,000 | $150,000 | $56,000 | $113,000 |
| Loan Purchased By The Institution | 17 | $2,216,000 | $130,000 | $288,000 | $27,000 | $71,000 |
| File Closed For Incompleteness | 8 | $929,000 | $116,000 | $263,000 | $67,000 | $129,000 |
| 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 | 64 | $2,705,000 | $42,000 | $203,000 | $46,000 | $105,000 |
| Collateral | 24 | $2,566,000 | $106,000 | $355,000 | $72,000 | $154,000 |
| Debt-To-Income Ratio | 17 | $1,151,000 | $67,000 | $179,000 | $44,000 | $106,000 |
| Credit Application Incomplete | 8 | $735,000 | $91,000 | $323,000 | $99,000 | $340,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $199,000 | $49,000 | $59,000 | $57,000 | $146,000 |
| Other | 3 | $216,000 | $72,000 | $142,000 | $48,000 | $89,000 |
| Employment History | 2 | $101,000 | $50,000 | $96,000 | $55,000 | $75,000 |
| Unverifiable Information | 1 | $61,000 | $61,000 | $61,000 | $61,000 | $61,000 |
| 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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