McDowell County, WV Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 225 mortgage applications in McDowell County, WV totaling $9.4 million, down 18% from 2014. The average application was for $41,000, and applicants reported an average income of $48,000. 36% of applications resulted in an originated loan and 43% were denied. The most active lender was Pioneer Community Bank, Inc., with 63 applications, followed by McNb Bank and Trust Co and Vanderbilt Mortgage and Finance, Inc.
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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 | 225 |
| Total Mortgage Loan Application Amount | $9,400,000 |
| Average Mortgage Loan Application Amount | $41,000 |
| Highest Mortgage Loan Application Amount | $232,000 |
| Average Applicant Income | $48,000 |
| Highest Applicant Income | $197,000 |
| 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 |
* | $ 116,960,000 | 63 | $ 2,148,000 |
| McNb Bank and Trust Co 75 WYOMING ST WELCH, WV 24801 |
* | $ 296,308,000 | 45 | $ 592,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 26 | $ 2,026,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 18 | $ 904,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 12 | $ 414,000 |
| Trupoint Bank 20089 RIVERSIDE DR GRUNDY, VA 24614 |
* | $ 443,413,000 | 7 | $ 163,000 |
| New Peoples Bank, Inc PO BOX 1810 HONAKER, VA 24260 |
* | $ 650,690,000 | 6 | $ 152,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 5 | $ 92,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 3 | $ 91,000 |
| National Bank of Blacksburg P.O. BOX 90002 BLACKSBURG, VA 24060 |
* | $ 1,152,528,000 | 3 | $ 40,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 291,000 |
| First Century Bank, Inc. P.O. BOX 1559, 500 FEDERAL STREET BLUEFIELD, WV 24701 |
* | $ 401,109,000 | 3 | $ 346,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 2,584,917,000 | 3 | $ 157,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,727,490,000 | 2 | $ 65,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 342,000 |
| Communityone Bank, N.A. 333 FAYETTEVILLE ST RALEIGH, NC 27601 |
* | $ 2,210,134,000 | 2 | $ 64,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,761,042,000 | 2 | $ 175,000 |
| Legacybank 20957 RIVERSIDE DRIVE GRUNDY, VA 24614 |
* | $ 322,468,000 | 1 | $ 32,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 1 | $ 84,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 1 | $ 52,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 1 | $ 63,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 1 | $ 76,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 1 | $ 112,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 70,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 451,471,000 | 1 | $ 8,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 40,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 225,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,699,771,000 | 1 | $ 56,000 |
| Bank of Mount Hope, Inc. 602 MAIN STREET MOUNT HOPE, WV 25880 |
* | $ 126,160,000 | 1 | $ 11,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 627,629,000 | 1 | $ 21,000 |
| Highlands Union Bank 340 WEST MAIN STREET ABINGDON, VA 24210 |
* | $ 605,885,000 | 1 | $ 9,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 1 | $ 133,000 |
| Alliance Credit, LLC 7825 W. AKRON-CANFIELD RD CANFIELD, OH 44406 |
* | $ 56,032,000 | 1 | $ 65,000 |
The tables below break down 2015 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 2015
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 | 126 | $6,367,000 | $50,000 | $141,000 | $49,000 | $146,000 |
| Home Improvement | 73 | $991,000 | $13,000 | $110,000 | $45,000 | $120,000 |
| Refinancing | 26 | $2,042,000 | $78,000 | $232,000 | $56,000 | $197,000 |
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 | 186 | $7,816,000 | $42,000 | $232,000 | $51,000 | $197,000 |
| Black or African American | 18 | $650,000 | $36,000 | $137,000 | $35,000 | $71,000 |
| Not Provided | 9 | $515,000 | $57,000 | $87,000 | $53,000 | $113,000 |
| Not applicable | 4 | $152,000 | $38,000 | $63,000 | $0 | $0 |
| Hispanic | 4 | $49,000 | $12,000 | $25,000 | $38,000 | $54,000 |
| American Indian or Alaskan Native | 3 | $160,000 | $53,000 | $65,000 | $47,000 | $84,000 |
| Asian | 1 | $58,000 | $58,000 | $58,000 | $61,000 | $61,000 |
| 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) | 204 | $7,737,000 | $37,000 | $232,000 | $48,000 | $197,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,110,000 | $79,000 | $141,000 | $67,000 | $120,000 |
| VA-guaranteed (Veterans Administration) | 5 | $441,000 | $88,000 | $137,000 | $36,000 | $68,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $112,000 | $56,000 | $63,000 | $12,000 | $24,000 |
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 | 96 | $4,047,000 | $42,000 | $225,000 | $45,000 | $197,000 |
| Loan Originated | 81 | $2,686,000 | $33,000 | $133,000 | $50,000 | $131,000 |
| File Closed For Incompleteness | 24 | $1,372,000 | $57,000 | $141,000 | $59,000 | $120,000 |
| Application Withdrawn By Applicant | 13 | $880,000 | $67,000 | $232,000 | $40,000 | $83,000 |
| Application Approved But Not Accepted | 9 | $317,000 | $35,000 | $86,000 | $62,000 | $95,000 |
| Loan Purchased By The Institution | 2 | $98,000 | $49,000 | $63,000 | $0 | $0 |
| 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 | 50 | $965,000 | $19,000 | $65,000 | $38,000 | $132,000 |
| Debt-To-Income Ratio | 9 | $408,000 | $45,000 | $110,000 | $62,000 | $105,000 |
| Employment History | 3 | $116,000 | $38,000 | $69,000 | $54,000 | $118,000 |
| Collateral | 3 | $312,000 | $104,000 | $225,000 | $114,000 | $197,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $81,000 | $40,000 | $76,000 | $37,000 | $61,000 |
| Credit Application Incomplete | 1 | $69,000 | $69,000 | $69,000 | $59,000 | $59,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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