McDowell County, WV Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 127 mortgage applications in McDowell County, WV totaling $5.0 million, down 50% from 2008. The average application was for $39,000, and applicants reported an average income of $48,000. 32% of applications resulted in an originated loan and 38% were denied. The most active lender was Trupoint Bank, with 18 applications, followed by Branch Banking and Trust Co and First Community Bank, N. A..
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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 | 127 |
| Total Mortgage Loan Application Amount | $5,027,000 |
| Average Mortgage Loan Application Amount | $39,000 |
| Highest Mortgage Loan Application Amount | $205,000 |
| Average Applicant Income | $48,000 |
| Highest Applicant Income | $190,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Trupoint Bank 20089 RIVERSIDE DR GRUNDY, VA 24614 |
* | $ 501,381,000 | 18 | $ 305,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 18 | $ 730,000 |
| First Community Bank, N. A. P O BOX 989 BLUEFIELD, VA 24605 |
* | $ 2,103,444,000 | 14 | $ 472,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 11 | $ 465,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 9 | $ 417,000 |
| National Bank of Blacksburg P.O. BOX 90002 BLACKSBURG, VA 24060 |
* | $ 931,419,000 | 7 | $ 172,000 |
| New Peoples Bank, Inc PO BOX 1810 HONAKER, VA 24260 |
* | $ 807,237,000 | 7 | $ 182,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 6 | $ 264,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 5 | $ 166,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 144,000 |
| Citizens Nb of Paintsville PO BOX 1488 PAINTSVILLE, KY 41240 |
* | $ 573,031,000 | 4 | $ 166,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 3 | $ 262,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 3 | $ 128,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 257,000 |
| Capital Mortgage Funding, LLC 17170 WEST 12 MILE ROAD SOUTHFIELD, MI 48076 |
* | $ 10,000,000 | 1 | $ 42,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 69,166,325,000 | 1 | $ 39,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 248,819,000 | 1 | $ 7,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA, 2-14-05 COLUMBUS, OH 43215 |
* | $ 2,246,123,000 | 1 | $ 30,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 1 | $ 48,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 12,942,945,000 | 1 | $ 41,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 205,409,000 | 1 | $ 72,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 61,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 1 | $ 171,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 98,000 |
| Legacybank 20957 RIVERSIDE DRIVE GRUNDY, VA 24614 |
* | $ 303,603,000 | 1 | $ 49,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 1 | $ 17,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 1 | $ 44,000 |
The tables below break down 2009 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 2009
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 | 48 | $2,169,000 | $45,000 | $110,000 | $51,000 | $135,000 |
| Home Improvement | 40 | $811,000 | $20,000 | $75,000 | $49,000 | $180,000 |
| Refinancing | 39 | $2,047,000 | $52,000 | $205,000 | $44,000 | $190,000 |
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 | 102 | $4,098,000 | $40,000 | $205,000 | $50,000 | $190,000 |
| Not Provided | 14 | $589,000 | $42,000 | $171,000 | $56,000 | $98,000 |
| Black or African American | 8 | $255,000 | $31,000 | $61,000 | $29,000 | $48,000 |
| Not applicable | 3 | $85,000 | $28,000 | $36,000 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 112 | $4,088,000 | $36,000 | $205,000 | $47,000 | $190,000 |
| FHA-insured (Federal Housing Administration) | 14 | $867,000 | $61,000 | $171,000 | $53,000 | $109,000 |
| VA-guaranteed (Veterans Administration) | 1 | $72,000 | $72,000 | $72,000 | $58,000 | $58,000 |
| 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 | 48 | $2,005,000 | $41,000 | $171,000 | $48,000 | $180,000 |
| Loan Originated | 41 | $1,253,000 | $30,000 | $97,000 | $45,000 | $135,000 |
| Application Withdrawn By Applicant | 17 | $909,000 | $53,000 | $205,000 | $64,000 | $190,000 |
| Application Approved But Not Accepted | 8 | $352,000 | $44,000 | $98,000 | $46,000 | $68,000 |
| Loan Purchased By The Institution | 8 | $314,000 | $39,000 | $63,000 | $23,000 | $70,000 |
| File Closed For Incompleteness | 5 | $194,000 | $38,000 | $60,000 | $63,000 | $80,000 |
| 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 | 14 | $633,000 | $45,000 | $171,000 | $50,000 | $92,000 |
| Collateral | 6 | $410,000 | $68,000 | $153,000 | $42,000 | $62,000 |
| Debt-To-Income Ratio | 5 | $224,000 | $44,000 | $60,000 | $50,000 | $84,000 |
| Unverifiable Information | 3 | $99,000 | $33,000 | $48,000 | $59,000 | $100,000 |
| Other | 1 | $33,000 | $33,000 | $33,000 | $25,000 | $25,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $36,000 | $36,000 | $36,000 | $16,000 | $16,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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