McDowell County, WV Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 149 mortgage applications in McDowell County, WV totaling $11.7 million, up 25% from 2021. The average application was for $78,000, and applicants reported an average income of $69,000. 26% of applications resulted in an originated loan and 45% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 32 applications, followed by 21st Mortgage and Truist Bank.
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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 | 149 |
| Total Mortgage Loan Application Amount | $11,705,000 |
| Average Mortgage Loan Application Amount | $78,000 |
| Highest Mortgage Loan Application Amount | $215,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $1,040,000 |
| 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 | 32 | $ 2,990,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 24 | $ 2,110,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 10 | $ 440,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 3,183,928,000 | 7 | $ 625,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 6 | $ 580,000 |
| McNb Bank and Trust Co 75 WYOMING ST WELCH, WV 24801 |
* | $ 349,176,000 | 6 | $ 460,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 5 | $ 395,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 5 | $ 395,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 4 | $ 240,000 |
| Atlantic Union Bank 1051 EAST CARY STREET, SUITE 1200 GLEN ALLEN, VA 23060 |
* | $ 20,000,309,000 | 3 | $ 195,000 |
| New Peoples Bank, Inc PO BOX 1810 HONAKER, VA 24260 |
* | $ 794,409,000 | 3 | $ 325,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 3 | $ 195,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 2 | $ 130,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 200,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 2 | $ 190,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 80,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 2 | $ 120,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 1 | $ 55,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 1 | $ 35,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ 29,289,723,000 | 1 | $ 55,000 |
| Pinnacle Bank 150 3RD AVE SOUTH NASHVILLE, TN 37203 |
* | $ 38,275,134,000 | 1 | $ 45,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ -1,000 | 1 | $ 65,000 |
| First Bank and Trust Company PO BOX 1000 ABINGDON, VA 24212 |
* | $ 1,946,484,000 | 1 | $ 115,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 85,000 |
| Bayer Hfcu 788 N STATE ROUTE 2 NEW MARTINSVILLE, WV 26155 |
* | $ 655,162,000 | 1 | $ 15,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 55,000 |
| T2 Financial LLC 480 OLDE WORTHINGTON RD SUITE 300 WESTERVILLE, OH 43082 |
* | $ -1,000 | 1 | $ 115,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 1 | $ 95,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 1 | $ 65,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 58,215,736,000 | 1 | $ 55,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 115,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 209,696,785,000 | 1 | $ 45,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 105,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 55,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 95,000 |
The tables below break down 2022 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 2022
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 | 111 | $9,615,000 | $86,000 | $215,000 | $71,000 | $1,040,000 |
| Cash-out Refinancing | 14 | $880,000 | $62,000 | $95,000 | $63,000 | $141,000 |
| Other Purpose | 10 | $490,000 | $49,000 | $85,000 | $59,000 | $92,000 |
| Home Improvement | 7 | $355,000 | $50,000 | $95,000 | $79,000 | $159,000 |
| Refinancing | 6 | $330,000 | $55,000 | $65,000 | $56,000 | $106,000 |
| Not Applicable | 1 | $35,000 | $35,000 | $35,000 | $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 | 121 | $9,765,000 | $80,000 | $215,000 | $70,000 | $1,040,000 |
| Not Provided | 10 | $690,000 | $69,000 | $95,000 | $78,000 | $141,000 |
| Black or African American | 8 | $500,000 | $62,000 | $115,000 | $47,000 | $72,000 |
| American Indian or Alaskan Native | 4 | $350,000 | $87,000 | $105,000 | $64,000 | $97,000 |
| Not applicable | 4 | $310,000 | $77,000 | $115,000 | $0 | $0 |
| Hispanic | 2 | $90,000 | $45,000 | $55,000 | $86,000 | $94,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 113 | $9,135,000 | $80,000 | $175,000 | $63,000 | $167,000 |
| FHA-insured (Federal Housing Administration) | 23 | $1,545,000 | $67,000 | $215,000 | $65,000 | $141,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $525,000 | $75,000 | $115,000 | $207,000 | $1,040,000 |
| VA-guaranteed (Veterans Administration) | 6 | $500,000 | $83,000 | $105,000 | $45,000 | $86,000 |
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 | 67 | $5,715,000 | $85,000 | $175,000 | $80,000 | $1,040,000 |
| Loan Originated | 38 | $2,440,000 | $64,000 | $115,000 | $66,000 | $146,000 |
| Application Withdrawn By Applicant | 20 | $1,570,000 | $78,000 | $215,000 | $52,000 | $107,000 |
| File Closed For Incompleteness | 13 | $995,000 | $76,000 | $115,000 | $50,000 | $100,000 |
| Application Approved But Not Accepted | 6 | $560,000 | $93,000 | $135,000 | $66,000 | $135,000 |
| Loan Purchased By The Institution | 4 | $310,000 | $77,000 | $115,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 1 | $115,000 | $115,000 | $115,000 | $55,000 | $55,000 |
| 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 | 78 | $5,700,000 | $73,000 | $215,000 | $59,000 | $146,000 |
| Credit History | 25 | $2,415,000 | $96,000 | $155,000 | $75,000 | $167,000 |
| Collateral | 14 | $880,000 | $62,000 | $155,000 | $72,000 | $145,000 |
| Debt-To-Income Ratio | 13 | $1,075,000 | $82,000 | $165,000 | $127,000 | $1,040,000 |
| Unverifiable Information | 11 | $1,155,000 | $105,000 | $175,000 | $71,000 | $147,000 |
| Credit Application Incomplete | 4 | $190,000 | $47,000 | $65,000 | $36,000 | $68,000 |
| Other | 3 | $195,000 | $65,000 | $85,000 | $66,000 | $78,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $25,000 | $25,000 |
| 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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