McDowell County, WV Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 136 mortgage applications in McDowell County, WV totaling $12.3 million, down 9% from 2022. The average application was for $90,000, and applicants reported an average income of $76,000. 30% of applications resulted in an originated loan and 36% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 36 applications, followed by 21st Mortgage and Pioneer Community 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 | 136 |
| Total Mortgage Loan Application Amount | $12,340,000 |
| Average Mortgage Loan Application Amount | $90,000 |
| Highest Mortgage Loan Application Amount | $255,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $289,000 |
| 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 | 36 | $ 3,820,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 25 | $ 2,395,000 |
| Pioneer Community Bank PO BOX 368 IAEGER, WV 24844 |
* | $ 157,479,000 | 6 | $ 330,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 4 | $ 320,000 |
| Atlantic Union Bank 1051 EAST CARY STREET, SUITE 1200 GLEN ALLEN, VA 23060 |
* | $ 20,342,081,000 | 4 | $ 440,000 |
| McNb Bank and Trust Co 75 WYOMING ST WELCH, WV 24801 |
* | $ 358,470,000 | 4 | $ 290,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 235,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 415,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 3 | $ 175,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 3,112,618,000 | 3 | $ 255,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 2 | $ 250,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 110,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 140,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 2 | $ 270,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ -1,000 | 2 | $ 130,000 |
| Eastman Credit Union P.O. BOX 1989 KINGSPORT, TN 37662 |
* | $ 7,481,805,000 | 2 | $ 60,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 3,890,541,000 | 2 | $ 100,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 5,832,156,000 | 2 | $ 80,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 160,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 95,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ -1,000 | 1 | $ 115,000 |
| American Heritage Federal Credit Union 2060 RED LION RD PHILADELPHIA, PA 19115 |
* | $ 4,485,714,000 | 1 | $ 35,000 |
| Legacy Bank 20957 RIVERSIDE DRIVE GRUNDY, VA 24614 |
* | $ 320,069,000 | 1 | $ 35,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 1 | $ 65,000 |
| First Sentinel Bank 315 RAILROAD AVENUE RICHLANDS, VA 24641 |
* | $ 362,870,000 | 1 | $ 85,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 1 | $ 135,000 |
| Florida Credit Union PO BOX 5549 GAINESVILLE, FL 32627 |
* | $ 1,967,341,000 | 1 | $ 15,000 |
| The State Credit Union 2200 WASHINGTON STREET, EAST, CHARLESTON, WV 25311 |
* | $ 87,565,000 | 1 | $ 145,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 95,000 |
| Mars Bank PO BOX 927 MARS, PA 16046 |
* | $ 514,573,000 | 1 | $ 75,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 95,000 |
| Ashland Credit Union 1300 CENTRAL AVE ASHLAND, KY 41101 |
* | $ 351,968,000 | 1 | $ 95,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 1 | $ 65,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 1 | $ 85,000 |
| George Mason Mortgage, LLC 4100 MONUMENT CORNER DRIVE #100 PRINCE WILLIAM, VA 22030 |
* | $ -1,000 | 1 | $ 65,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 55,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 1 | $ 75,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 1 | $ 55,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 4,534,480,000 | 1 | $ 255,000 |
The tables below break down 2023 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 2023
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 | 114 | $10,820,000 | $94,000 | $255,000 | $74,000 | $289,000 |
| Home Improvement | 7 | $365,000 | $52,000 | $105,000 | $63,000 | $138,000 |
| Cash-out Refinancing | 6 | $450,000 | $75,000 | $95,000 | $106,000 | $136,000 |
| Refinancing | 5 | $375,000 | $75,000 | $145,000 | $70,000 | $232,000 |
| Other Purpose | 3 | $215,000 | $71,000 | $145,000 | $112,000 | $215,000 |
| Not Applicable | 1 | $115,000 | $115,000 | $115,000 | $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 | 114 | $10,380,000 | $91,000 | $255,000 | $76,000 | $289,000 |
| Not applicable | 11 | $1,045,000 | $95,000 | $175,000 | $0 | $0 |
| Not Provided | 5 | $385,000 | $77,000 | $95,000 | $85,000 | $127,000 |
| Black or African American | 4 | $310,000 | $77,000 | $155,000 | $57,000 | $85,000 |
| Hispanic | 1 | $115,000 | $115,000 | $115,000 | $109,000 | $109,000 |
| American Indian or Alaskan Native | 1 | $105,000 | $105,000 | $105,000 | $51,000 | $51,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 108 | $9,720,000 | $90,000 | $185,000 | $76,000 | $289,000 |
| FHA-insured (Federal Housing Administration) | 22 | $2,200,000 | $100,000 | $255,000 | $77,000 | $174,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $220,000 | $55,000 | $65,000 | $45,000 | $84,000 |
| VA-guaranteed (Veterans Administration) | 2 | $200,000 | $100,000 | $115,000 | $91,000 | $91,000 |
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 | 49 | $4,405,000 | $89,000 | $255,000 | $62,000 | $141,000 |
| Loan Originated | 41 | $3,835,000 | $93,000 | $175,000 | $89,000 | $289,000 |
| File Closed For Incompleteness | 23 | $2,225,000 | $96,000 | $155,000 | $77,000 | $138,000 |
| Loan Purchased By The Institution | 12 | $1,120,000 | $93,000 | $175,000 | $289,000 | $289,000 |
| Application Withdrawn By Applicant | 7 | $475,000 | $67,000 | $115,000 | $63,000 | $100,000 |
| Application Approved But Not Accepted | 4 | $280,000 | $70,000 | $85,000 | $57,000 | $83,000 |
| 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 | 78 | $7,310,000 | $93,000 | $175,000 | $80,000 | $289,000 |
| Credit History | 22 | $1,850,000 | $84,000 | $185,000 | $70,000 | $141,000 |
| Debt-To-Income Ratio | 19 | $1,535,000 | $80,000 | $185,000 | $73,000 | $289,000 |
| Unverifiable Information | 8 | $880,000 | $110,000 | $135,000 | $75,000 | $106,000 |
| Collateral | 5 | $415,000 | $83,000 | $255,000 | $54,000 | $96,000 |
| Credit Application Incomplete | 2 | $220,000 | $110,000 | $135,000 | $0 | $0 |
| Other | 1 | $85,000 | $85,000 | $85,000 | $130,000 | $130,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $45,000 | $45,000 | $45,000 | $14,000 | $14,000 |
| 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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