McDowell County, WV Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 276 mortgage applications in McDowell County, WV totaling $11.8 million, up 77% from 2013. The average application was for $42,000, and applicants reported an average income of $49,000. 40% of applications resulted in an originated loan and 40% were denied. The most active lender was Pioneer Community Bank, Inc., with 89 applications, followed by McNb Bank and Trust Co and 21st Mortgage.
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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 | 276 |
| Total Mortgage Loan Application Amount | $11,768,000 |
| Average Mortgage Loan Application Amount | $42,000 |
| Highest Mortgage Loan Application Amount | $564,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $489,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Pioneer Community Bank, Inc. 822 ROBERT C BYRD DR SOPHIA, WV 25921 |
* | $ 119,422,000 | 89 | $ 3,688,000 |
| McNb Bank and Trust Co 75 WYOMING ST WELCH, WV 24801 |
* | $ 303,440,000 | 55 | $ 808,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 16 | $ 1,022,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 15 | $ 1,143,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 12 | $ 462,000 |
| Trupoint Bank 20089 RIVERSIDE DR GRUNDY, VA 24614 |
* | $ 440,765,000 | 8 | $ 177,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 8 | $ 611,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,763,439,000 | 7 | $ 561,000 |
| Citizens State Bank 13840 W. NEWBERRY RD NEWBERRY, FL 32669 |
* | $ 191,437,000 | 6 | $ 42,000 |
| New Peoples Bank, Inc PO BOX 1810 HONAKER, VA 24260 |
* | $ 684,554,000 | 6 | $ 161,000 |
| The State Credit Union 2200 WASHINGTON STREET, EAST, CHARLESTON, WV 25311 |
* | $ 56,980,000 | 4 | $ 119,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 2,575,113,000 | 4 | $ 156,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 4 | $ 268,000 |
| National Bank of Blacksburg P.O. BOX 90002 BLACKSBURG, VA 24060 |
* | $ 1,107,992,000 | 3 | $ 25,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,351,095,000 | 3 | $ 237,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 3 | $ 260,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 846,686,000 | 2 | $ 158,000 |
| Westfield Bank, FSB 255 EAST 5TH ST CINCINNATI, OH 45202 |
* | $ 830,298,000 | 2 | $ 124,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 2 | $ 79,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 152,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 118,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 2 | $ 209,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 1 | $ 7,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 1 | $ 30,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 1 | $ 24,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 1 | $ 65,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 40,000 |
| First Century Bank, Inc. P.O. BOX 1559, 500 FEDERAL STREET BLUEFIELD, WV 24701 |
* | $ 412,191,000 | 1 | $ 52,000 |
| Herrin Security Bank 114 WEST MONROE ST., P.O. BOX 368 HERRIN, IL 62948 |
* | $ 104,856,000 | 1 | $ 37,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 598,835,000 | 1 | $ 14,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 16,840,840,000 | 1 | $ 79,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 1 | $ 50,000 |
| Bank of Mount Hope, Inc. 602 MAIN STREET MOUNT HOPE, WV 25880 |
* | $ 124,338,000 | 1 | $ 7,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ 710,000 | 1 | $ 102,000 |
| Legacybank 20957 RIVERSIDE DRIVE GRUNDY, VA 24614 |
* | $ 320,402,000 | 1 | $ 17,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 145,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 103,000 |
The tables below break down 2014 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 2014
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 | 149 | $8,745,000 | $58,000 | $564,000 | $53,000 | $489,000 |
| Home Improvement | 80 | $823,000 | $10,000 | $70,000 | $42,000 | $144,000 |
| Refinancing | 47 | $2,200,000 | $46,000 | $137,000 | $50,000 | $258,000 |
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 | 225 | $10,133,000 | $45,000 | $564,000 | $52,000 | $489,000 |
| Not Provided | 23 | $512,000 | $22,000 | $137,000 | $48,000 | $144,000 |
| Black or African American | 19 | $829,000 | $43,000 | $138,000 | $32,000 | $88,000 |
| Not applicable | 5 | $259,000 | $51,000 | $103,000 | $0 | $0 |
| Hispanic | 2 | $8,000 | $4,000 | $6,000 | $70,000 | $120,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $25,000 | $25,000 | $25,000 | $100,000 | $100,000 |
| American Indian or Alaskan Native | 1 | $2,000 | $2,000 | $2,000 | $9,000 | $9,000 |
| 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) | 252 | $9,648,000 | $38,000 | $564,000 | $50,000 | $489,000 |
| FHA-insured (Federal Housing Administration) | 11 | $805,000 | $73,000 | $139,000 | $53,000 | $120,000 |
| VA-guaranteed (Veterans Administration) | 8 | $964,000 | $120,000 | $179,000 | $50,000 | $92,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $351,000 | $70,000 | $102,000 | $21,000 | $43,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 111 | $4,604,000 | $41,000 | $139,000 | $41,000 | $120,000 |
| Loan Originated | 110 | $4,393,000 | $39,000 | $564,000 | $61,000 | $489,000 |
| Application Approved But Not Accepted | 25 | $1,328,000 | $53,000 | $115,000 | $53,000 | $102,000 |
| Application Withdrawn By Applicant | 18 | $685,000 | $38,000 | $98,000 | $39,000 | $83,000 |
| File Closed For Incompleteness | 7 | $390,000 | $55,000 | $77,000 | $34,000 | $65,000 |
| Loan Purchased By The Institution | 5 | $368,000 | $73,000 | $145,000 | $18,000 | $91,000 |
| 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 | 55 | $1,551,000 | $28,000 | $137,000 | $36,000 | $115,000 |
| Debt-To-Income Ratio | 11 | $218,000 | $19,000 | $83,000 | $36,000 | $68,000 |
| Collateral | 6 | $258,000 | $43,000 | $102,000 | $37,000 | $56,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $189,000 | $47,000 | $102,000 | $53,000 | $107,000 |
| Other | 2 | $74,000 | $37,000 | $38,000 | $6,000 | $13,000 |
| Credit Application Incomplete | 2 | $197,000 | $98,000 | $137,000 | $72,000 | $88,000 |
| Unverifiable Information | 1 | $133,000 | $133,000 | $133,000 | $60,000 | $60,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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