McDowell County, WV Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 255 mortgage applications in McDowell County, WV totaling $11.3 million, down 35% from 2007. The average application was for $44,000, and applicants reported an average income of $44,000. 31% of applications resulted in an originated loan and 47% were denied. The most active lender was Beneficial Company LLC, with 47 applications, followed by Citifinancial Inc and Trupoint 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 | 255 |
| Total Mortgage Loan Application Amount | $11,310,000 |
| Average Mortgage Loan Application Amount | $44,000 |
| Highest Mortgage Loan Application Amount | $350,000 |
| Average Applicant Income | $44,000 |
| Highest Applicant Income | $122,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 47 | $ 2,365,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 26 | $ 782,000 |
| Trupoint Bank 20089 RIVERSIDE DR GRUNDY, VA 24614 |
* | $ 491,699,000 | 23 | $ 474,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 127,698,351,000 | 19 | $ 434,000 |
| First Community Bank, N. A. P O BOX 989 BLUEFIELD, VA 24605 |
* | $ 2,130,805,000 | 18 | $ 556,000 |
| National Bank of Blacksburg P.O. BOX 90002 BLACKSBURG, VA 24060 |
* | $ 882,866,000 | 16 | $ 224,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 10 | $ 629,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 7 | $ 444,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 7 | $ 378,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 6 | $ 235,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 5 | $ 275,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 5 | $ 202,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 5 | $ 280,000 |
| New Peoples Bank, Inc PO BOX 1810 HONAKER, VA 24260 |
* | $ 765,948,000 | 4 | $ 96,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 266,672,000 | 4 | $ 642,000 |
| Wells Fargo Finl West Virginia 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 4 | $ 186,000 |
| Citizens Nb of Paintsville PO BOX 1488 PAINTSVILLE, KY 41240 |
* | $ 548,397,000 | 4 | $ 231,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 475,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 128,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 3 | $ 107,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,462,991,000 | 3 | $ 74,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 2 | $ 176,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 653,269,000,000 | 2 | $ 60,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 2 | $ 147,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 2 | $ 127,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 21,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 39,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 56,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 122,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 35,000 |
| Pinnacle Mortgage Group, Inc. 3605 SOUTH TELLER ST LAKEWOOD, CO 80235 |
* | $ 10,000,000 | 1 | $ 119,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 1 | $ 80,000 |
| Tierone Bank 1235 "N" STREET LINCOLN, NE 68508 |
* | $ 3,535,843,000 | 1 | $ 52,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 1 | $ 39,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 1 | $ 81,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 197,273,000 | 1 | $ 10,000 |
| Wells Fargo Fin'l California 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 1 | $ 70,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 61,450,273,000 | 1 | $ 38,000 |
| Lee Bank & Trust Company P.O. BOX 100 PENNINGTON GAP, VA 24277 |
* | $ 163,000,000 | 1 | $ 16,000 |
| Security Bank 510 E. MONROE ST SPRINGFIELD, IL 62701 |
* | $ 176,011,000 | 1 | $ 88,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 1 | $ 25,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 1 | $ 6,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 2,892,231,000 | 1 | $ 10,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 87,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 54,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 54,000 |
The tables below break down 2008 mortgage applications in McDowell 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 McDowell County, WV in 2008
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 |
|---|---|---|---|---|---|---|
| Refinancing | 108 | $6,176,000 | $57,000 | $350,000 | $44,000 | $120,000 |
| Home Purchase | 81 | $3,902,000 | $48,000 | $148,000 | $47,000 | $114,000 |
| Home Improvement | 66 | $1,232,000 | $18,000 | $86,000 | $41,000 | $122,000 |
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 | 200 | $8,639,000 | $43,000 | $350,000 | $46,000 | $122,000 |
| Not Provided | 28 | $1,632,000 | $58,000 | $300,000 | $42,000 | $115,000 |
| Black or African American | 19 | $648,000 | $34,000 | $77,000 | $40,000 | $83,000 |
| Not applicable | 5 | $253,000 | $50,000 | $81,000 | $0 | $0 |
| Hispanic | 2 | $100,000 | $50,000 | $66,000 | $64,000 | $83,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $38,000 | $38,000 | $38,000 | $43,000 | $43,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 229 | $9,779,000 | $42,000 | $350,000 | $45,000 | $122,000 |
| FHA-insured (Federal Housing Administration) | 24 | $1,409,000 | $58,000 | $122,000 | $33,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 2 | $122,000 | $61,000 | $81,000 | $53,000 | $68,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 120 | $5,921,000 | $49,000 | $350,000 | $45,000 | $115,000 |
| Loan Originated | 80 | $2,461,000 | $30,000 | $148,000 | $44,000 | $93,000 |
| Application Withdrawn By Applicant | 24 | $1,454,000 | $60,000 | $120,000 | $47,000 | $120,000 |
| Application Approved But Not Accepted | 19 | $805,000 | $42,000 | $115,000 | $49,000 | $122,000 |
| Loan Purchased By The Institution | 11 | $608,000 | $55,000 | $119,000 | $26,000 | $80,000 |
| File Closed For Incompleteness | 1 | $61,000 | $61,000 | $61,000 | $58,000 | $58,000 |
| 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 | 26 | $913,000 | $35,000 | $122,000 | $40,000 | $114,000 |
| Collateral | 10 | $732,000 | $73,000 | $350,000 | $49,000 | $96,000 |
| Debt-To-Income Ratio | 7 | $355,000 | $50,000 | $95,000 | $33,000 | $74,000 |
| Other | 6 | $760,000 | $126,000 | $300,000 | $76,000 | $97,000 |
| Credit Application Incomplete | 4 | $454,000 | $113,000 | $243,000 | $77,000 | $115,000 |
| Employment History | 3 | $118,000 | $39,000 | $58,000 | $40,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $46,000 | $46,000 | $46,000 | $34,000 | $34,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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