McDowell County, WV Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 129 mortgage applications in McDowell County, WV totaling $9.6 million, down 18% from 2018. The average application was for $74,000, and applicants reported an average income of $55,000. 39% of applications resulted in an originated loan and 33% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 24 applications, followed by Pioneer Community Bank, Inc. and McNb Bank and Trust Co.
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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 | 129 |
| Total Mortgage Loan Application Amount | $9,555,000 |
| Average Mortgage Loan Application Amount | $74,000 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $212,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 24 | $ 1,880,000 |
| Pioneer Community Bank, Inc. 822 ROBERT C BYRD DR SOPHIA, WV 25921 |
* | $ 110,985,000 | 15 | $ 585,000 |
| McNb Bank and Trust Co 75 WYOMING ST WELCH, WV 24801 |
* | $ 294,188,000 | 14 | $ 720,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 10 | $ 620,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 9 | $ 395,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 2,236,658,000 | 6 | $ 290,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 240,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 4 | $ 180,000 |
| Atlantic Union Bank 1051 EAST CARY STREET, SUITE 1200 GLEN ALLEN, VA 23060 |
* | $ 13,732,008,000 | 3 | $ 225,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 108,672,320,000 | 3 | $ 145,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 3 | $ 185,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 130,000 |
| Member One Federal Credit Union P.O. BOX 12288 ROANOKE, VA 24024 |
* | $ 1,011,861,000 | 2 | $ 50,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 4,426,972,000 | 2 | $ 130,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,060,792,000 | 2 | $ 130,000 |
| The State Credit Union 2200 WASHINGTON STREET, EAST, CHARLESTON, WV 25311 |
* | $ 68,241,000 | 1 | $ 25,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 155,000 |
| New Peoples Bank, Inc PO BOX 1810 HONAKER, VA 24260 |
* | $ 680,984,000 | 1 | $ 15,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 75,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 55,000 |
| Boston Private Bank & Trust Company TEN POST OFFICE SQUARE BOSTON, MA 02109 |
* | $ 8,421,894,000 | 1 | $ 2,005,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 4,835,856,000 | 1 | $ 85,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 115,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 95,000 |
| National Bank of Blacksburg P.O. BOX 90002 BLACKSBURG, VA 24060 |
* | $ 1,253,172,000 | 1 | $ 55,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 105,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 2,192,939,000 | 1 | $ 25,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 55,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 65,000 |
The tables below break down 2019 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 2019
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 | 87 | $7,385,000 | $84,000 | $2,005,000 | $60,000 | $212,000 |
| Cash-out Refinancing | 15 | $925,000 | $61,000 | $125,000 | $39,000 | $144,000 |
| Home Improvement | 9 | $395,000 | $43,000 | $85,000 | $48,000 | $130,000 |
| Other Purpose | 9 | $365,000 | $40,000 | $85,000 | $43,000 | $109,000 |
| Refinancing | 9 | $485,000 | $53,000 | $105,000 | $57,000 | $98,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 107 | $6,305,000 | $58,000 | $155,000 | $57,000 | $184,000 |
| Not Provided | 15 | $925,000 | $61,000 | $125,000 | $48,000 | $212,000 |
| Not applicable | 5 | $2,255,000 | $451,000 | $2,005,000 | $58,000 | $58,000 |
| Black or African American | 2 | $70,000 | $35,000 | $45,000 | $33,000 | $48,000 |
| 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) | 104 | $8,050,000 | $77,000 | $2,005,000 | $57,000 | $212,000 |
| FHA-insured (Federal Housing Administration) | 17 | $1,005,000 | $59,000 | $115,000 | $54,000 | $140,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $395,000 | $56,000 | $65,000 | $36,000 | $56,000 |
| VA-guaranteed (Veterans Administration) | 1 | $105,000 | $105,000 | $105,000 | $26,000 | $26,000 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 50 | $4,810,000 | $96,000 | $2,005,000 | $63,000 | $184,000 |
| Application Denied By Financial Institution | 43 | $2,775,000 | $64,000 | $155,000 | $51,000 | $212,000 |
| Application Withdrawn By Applicant | 15 | $745,000 | $49,000 | $105,000 | $59,000 | $114,000 |
| File Closed For Incompleteness | 12 | $710,000 | $59,000 | $135,000 | $41,000 | $160,000 |
| Application Approved But Not Accepted | 6 | $330,000 | $55,000 | $95,000 | $48,000 | $74,000 |
| Loan Purchased By The Institution | 3 | $185,000 | $61,000 | $75,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 74 | $6,220,000 | $84,000 | $2,005,000 | $59,000 | $184,000 |
| Debt-To-Income Ratio | 22 | $1,320,000 | $60,000 | $155,000 | $49,000 | $168,000 |
| Credit History | 13 | $855,000 | $65,000 | $115,000 | $71,000 | $212,000 |
| Collateral | 9 | $575,000 | $63,000 | $105,000 | $41,000 | $66,000 |
| Other | 4 | $330,000 | $82,000 | $155,000 | $29,000 | $43,000 |
| Unverifiable Information | 3 | $155,000 | $51,000 | $75,000 | $47,000 | $72,000 |
| Employment History | 3 | $65,000 | $21,000 | $35,000 | $52,000 | $71,000 |
| Credit Application Incomplete | 1 | $35,000 | $35,000 | $35,000 | $1,000 | $1,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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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