McDowell County, WV Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 182 mortgage applications in McDowell County, WV totaling $7.3 million, down 19% from 2015. The average application was for $40,000, and applicants reported an average income of $49,000. 35% of applications resulted in an originated loan and 46% were denied. The most active lender was Pioneer Community Bank, Inc., with 60 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 | 182 |
| Total Mortgage Loan Application Amount | $7,327,000 |
| Average Mortgage Loan Application Amount | $40,000 |
| Highest Mortgage Loan Application Amount | $219,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $220,000 |
| 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 |
* | $ 119,075,000 | 60 | $ 1,730,000 |
| McNb Bank and Trust Co 75 WYOMING ST WELCH, WV 24801 |
* | $ 292,227,000 | 41 | $ 681,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 14 | $ 1,227,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 6 | $ 164,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 5 | $ 283,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 4 | $ 72,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 4 | $ 89,000 |
| Trupoint Bank 20089 RIVERSIDE DR GRUNDY, VA 24614 |
* | $ 439,038,000 | 4 | $ 63,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 3 | $ 375,000 |
| New Peoples Bank, Inc PO BOX 1810 HONAKER, VA 24260 |
* | $ 625,428,000 | 3 | $ 232,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 2,440,265,000 | 2 | $ 57,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 2 | $ 184,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,128,427,000 | 2 | $ 152,000 |
| Legacybank 20957 RIVERSIDE DRIVE GRUNDY, VA 24614 |
* | $ 326,897,000 | 1 | $ 42,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 70,879,778,000 | 1 | $ 15,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 85,747,508,000 | 1 | $ 43,000 |
| First Century Bank, Inc. P.O. BOX 1559, 500 FEDERAL STREET BLUEFIELD, WV 24701 |
* | $ 406,119,000 | 1 | $ 120,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 70,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 107,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 24,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 100,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ 12,167,000 | 1 | $ 63,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 61,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 19,460,442,000 | 1 | $ 40,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 1 | $ 52,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 1 | $ 65,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 1 | $ 71,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 1 | $ 34,000 |
| Eastman Credit Union P.O. BOX 1989 KINGSPORT, TN 37662 |
* | $ 3,260,257,000 | 1 | $ 96,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 1 | $ 48,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 85,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 451,930,000 | 1 | $ 137,000 |
The tables below break down 2016 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 2016
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 | 86 | $4,271,000 | $49,000 | $193,000 | $52,000 | $220,000 |
| Home Improvement | 60 | $966,000 | $16,000 | $219,000 | $44,000 | $157,000 |
| Refinancing | 36 | $2,090,000 | $58,000 | $163,000 | $52,000 | $184,000 |
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 | 146 | $5,751,000 | $39,000 | $219,000 | $51,000 | $210,000 |
| Not Provided | 14 | $708,000 | $50,000 | $193,000 | $65,000 | $220,000 |
| Black or African American | 14 | $476,000 | $34,000 | $137,000 | $35,000 | $90,000 |
| Hispanic | 3 | $98,000 | $32,000 | $59,000 | $30,000 | $47,000 |
| Not applicable | 3 | $199,000 | $66,000 | $71,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $95,000 | $47,000 | $52,000 | $25,000 | $27,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin 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) | 159 | $5,798,000 | $36,000 | $219,000 | $50,000 | $220,000 |
| FHA-insured (Federal Housing Administration) | 13 | $667,000 | $51,000 | $107,000 | $35,000 | $94,000 |
| VA-guaranteed (Veterans Administration) | 8 | $736,000 | $92,000 | $163,000 | $59,000 | $108,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $126,000 | $63,000 | $63,000 | $14,000 | $29,000 |
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 | 84 | $2,804,000 | $33,000 | $163,000 | $42,000 | $171,000 |
| Loan Originated | 63 | $2,149,000 | $34,000 | $150,000 | $54,000 | $210,000 |
| File Closed For Incompleteness | 13 | $1,128,000 | $86,000 | $193,000 | $71,000 | $220,000 |
| Application Approved But Not Accepted | 10 | $674,000 | $67,000 | $219,000 | $60,000 | $157,000 |
| Application Withdrawn By Applicant | 9 | $373,000 | $41,000 | $96,000 | $51,000 | $94,000 |
| Loan Purchased By The Institution | 3 | $199,000 | $66,000 | $71,000 | $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 | 49 | $1,063,000 | $21,000 | $93,000 | $33,000 | $106,000 |
| Debt-To-Income Ratio | 12 | $519,000 | $43,000 | $163,000 | $69,000 | $171,000 |
| Collateral | 5 | $183,000 | $36,000 | $50,000 | $62,000 | $94,000 |
| Credit Application Incomplete | 4 | $255,000 | $63,000 | $126,000 | $73,000 | $123,000 |
| Employment History | 3 | $43,000 | $14,000 | $28,000 | $30,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $49,000 | $49,000 | $49,000 | $34,000 | $34,000 |
| 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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