Mineral County, WV Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 826 mortgage applications in Mineral County, WV totaling $148.3 million, up 18% from 2024. The average application was for $179,000, and applicants reported an average income of $93,000. 55% of applications resulted in an originated loan and 14% were denied. The most active lender was M&T Bank, with 62 applications, followed by Alcova Mortgage, LLC and First Peoples Cfcu.
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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 | 826 |
| Total Mortgage Loan Application Amount | $148,280,000 |
| Average Mortgage Loan Application Amount | $179,000 |
| Highest Mortgage Loan Application Amount | $1,335,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $837,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 62 | $ 5,270,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ n/a | 61 | $ 13,425,000 |
| First Peoples Cfcu 153 BALTIMORE STREET CUMBERLAND, MD 21502 |
* | $ n/a | 54 | $ 8,810,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 52 | $ 10,350,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 38 | $ 9,320,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ n/a | 32 | $ 7,410,000 |
| Chessie Federal Credit Union 15 COMMERCE DRIVE CUMBERLAND, MD 21502 |
* | $ n/a | 29 | $ 3,405,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 28 | $ 3,180,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 27 | $ 6,295,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 23 | $ 5,025,000 |
| The Grant County Bank P. O. BOX 929 PETERSBURG, WV 26847 |
* | $ n/a | 21 | $ 2,505,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 18 | $ 3,210,000 |
| Wepco Federal Credit Union 204 NORTH BRANCH AVE BLOOMINGTON, MD 21523 |
* | $ n/a | 17 | $ 1,705,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 17 | $ 2,325,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 16 | $ 3,880,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 15 | $ 1,905,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 15 | $ 2,735,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 14 | $ 2,340,000 |
| First United Bank & Trust 19 S SECOND STREET OAKLAND, MD 21550 |
* | $ n/a | 12 | $ 3,190,000 |
| Tidewater Mortgage Services, Inc 200 GOLDEN OAK COURT STE. 100 VIRGINIA BEACH, VA 26452 |
* | $ n/a | 12 | $ 2,550,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 11 | $ 1,695,000 |
| Fnb Bank, Inc 105 NORTH HIGH STREET ROMNEY, WV 26757 |
* | $ n/a | 10 | $ 1,370,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 10 | $ 1,710,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ n/a | 8 | $ 3,110,000 |
| Dollar Bank, FSB #3 GATEWAY CENTER, SEVEN WEST PITTSBURGH, PA 15222 |
* | $ n/a | 8 | $ 1,080,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 8 | $ 1,490,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ n/a | 8 | $ 1,380,000 |
| State Employees Credit Union of MD 971 CORPORATE BLVD LINTHICUM, MD 21090 |
* | $ n/a | 8 | $ 1,080,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 7 | $ 1,095,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 7 | $ 985,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 6 | $ 1,460,000 |
| Millennium Financial Group Inc dba Mlend 8803 BALTIMORE NATIONAL PIKE MIDDLETOWN, MD 21769 |
* | $ n/a | 6 | $ 1,440,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 6 | $ 2,770,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 5 | $ 1,015,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 5 | $ 585,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 5 | $ 1,325,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 5 | $ 455,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 5 | $ 255,000 |
| Act 1st FCU 14316 NATIONAL HWY SW LAVALE, MD 21502 |
* | $ n/a | 4 | $ 440,000 |
| Integrity Home Mortgage Corporation 122 PILOT CIRCLE WINCHESTER, VA 22602 |
* | $ n/a | 4 | $ 730,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 3 | $ 715,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 3 | $ 675,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 3 | $ 575,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 3 | $ 355,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 3 | $ 165,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 3 | $ 505,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 2 | $ 290,000 |
| Capon Valley Bank PO BOX 119 WARDENSVILLE, WV 26851 |
* | $ n/a | 2 | $ 260,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ n/a | 2 | $ 530,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 2 | $ 350,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 2 | $ 160,000 |
| First Exchange Bank 11 W MAIN ST. WHITE HALL, WV 26554 |
* | $ n/a | 1 | $ 195,000 |
| First Bank and Trust Company PO BOX 1000 ABINGDON, VA 24212 |
* | $ n/a | 1 | $ 75,000 |
| Mld Mortgage, Inc.Dba the Money Store 30 B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ n/a | 1 | $ 175,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 275,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 1 | $ 265,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ n/a | 1 | $ 115,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 245,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 1 | $ 635,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 165,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 1 | $ 255,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 145,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ n/a | 1 | $ 215,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ n/a | 1 | $ 145,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 195,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 1 | $ 265,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ n/a | 1 | $ 325,000 |
| Nrl Federal Credit Union 5440 CHEROKEE AVE SUITE 200 ALEXANDRIA, VA 22312 |
* | $ n/a | 1 | $ 205,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ n/a | 1 | $ 305,000 |
| First Alliance Home Mortgage, LLC 20 JACKSON DRIVE 2ND FLOOR CRANFORD, NJ 07016 |
* | $ n/a | 1 | $ 205,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 555,000 |
| Burke & Herbert Bk & Tr Co 100 S. FAIRFAX ST ALEXANDRIA, VA 22315 |
* | $ n/a | 1 | $ 75,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ n/a | 1 | $ 175,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ n/a | 1 | $ 1,105,000 |
| Clear Mountain Bank 160 MORGANTOWN STREET PO BOX 205 BRUCETON MILLS, WV 26525 |
* | $ n/a | 1 | $ 225,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 1 | $ 285,000 |
| Atlantic Coast Mortgage, LLC 4100 MONUMENT CORNER DRIVE, SUITE 300 FAIRFAX, VA 22030 |
* | $ n/a | 1 | $ 145,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ n/a | 1 | $ 335,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 165,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ n/a | 1 | $ 225,000 |
| Angel Oak Mortgage Solutions LLC 980 HAMMOND DRIVE, SUITE 850 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 315,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 175,000 |
| Somerset Trust Company 151 WEST MAIN STREET SOMERSET, PA 15501 |
* | $ n/a | 1 | $ 105,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 85,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 25,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 1 | $ 155,000 |
| Colorado Federal Savings Bank 8400 E PRENTICE AVE STE 840 ENGLEWOOD, CO 80111 |
* | $ n/a | 1 | $ 155,000 |
| Chartway FCU 5700 CLEVELAND STREET VIRGINIA BEACH, VA 23462 |
* | $ n/a | 1 | $ 1,125,000 |
| First Home Mortgage 6211 GREENLEIGH AVENUE SUITE 300 BALTIMORE, MD 21220 |
* | $ n/a | 1 | $ 305,000 |
| Tower Federal Credit Union 7901 SANDY SPRING ROAD LAUREL, MD 20707 |
* | $ n/a | 1 | $ 45,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ n/a | 1 | $ 105,000 |
The tables below break down 2025 mortgage applications in Mineral 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 Mineral County, WV in 2025
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 | 428 | $94,560,000 | $220,000 | $1,335,000 | $102,000 | $837,000 |
| Cash-out Refinancing | 158 | $24,890,000 | $157,000 | $575,000 | $83,000 | $260,000 |
| Refinancing | 134 | $20,870,000 | $155,000 | $595,000 | $92,000 | $366,000 |
| Other Purpose | 55 | $4,165,000 | $75,000 | $325,000 | $77,000 | $173,000 |
| Home Improvement | 51 | $3,795,000 | $74,000 | $255,000 | $95,000 | $216,000 |
| 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 | 594 | $103,420,000 | $174,000 | $1,335,000 | $93,000 | $837,000 |
| Not applicable | 139 | $29,095,000 | $209,000 | $1,125,000 | $84,000 | $151,000 |
| Not Provided | 65 | $11,915,000 | $183,000 | $535,000 | $93,000 | $283,000 |
| Hispanic | 13 | $1,875,000 | $144,000 | $325,000 | $152,000 | $418,000 |
| Black or African American | 10 | $1,410,000 | $141,000 | $265,000 | $82,000 | $173,000 |
| American Indian or Alaskan Native | 4 | $480,000 | $120,000 | $215,000 | $29,000 | $50,000 |
| Asian | 1 | $85,000 | $85,000 | $85,000 | $109,000 | $109,000 |
| 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) | 495 | $76,865,000 | $155,000 | $1,125,000 | $100,000 | $837,000 |
| FHA-insured (Federal Housing Administration) | 172 | $34,090,000 | $198,000 | $505,000 | $75,000 | $218,000 |
| VA-guaranteed (Veterans Administration) | 102 | $28,040,000 | $274,000 | $1,335,000 | $96,000 | $366,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 57 | $9,285,000 | $162,000 | $265,000 | $58,000 | $113,000 |
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 | 451 | $79,995,000 | $177,000 | $1,125,000 | $99,000 | $625,000 |
| Loan Purchased By The Institution | 130 | $27,940,000 | $214,000 | $1,125,000 | $77,000 | $151,000 |
| Application Denied By Financial Institution | 113 | $15,565,000 | $137,000 | $1,335,000 | $71,000 | $248,000 |
| Application Withdrawn By Applicant | 79 | $14,125,000 | $178,000 | $505,000 | $81,000 | $216,000 |
| File Closed For Incompleteness | 29 | $6,805,000 | $234,000 | $1,105,000 | $110,000 | $421,000 |
| Application Approved But Not Accepted | 21 | $3,435,000 | $163,000 | $805,000 | $135,000 | $837,000 |
| Preapproval Denied by Financial Institution | 2 | $110,000 | $55,000 | $75,000 | $32,000 | $36,000 |
| Preapproval Approved but not Accepted | 1 | $305,000 | $305,000 | $305,000 | $76,000 | $76,000 |
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 | 664 | $125,500,000 | $189,000 | $1,125,000 | $95,000 | $837,000 |
| Debt-To-Income Ratio | 71 | $11,925,000 | $167,000 | $1,335,000 | $105,000 | $625,000 |
| Credit History | 33 | $3,335,000 | $101,000 | $395,000 | $84,000 | $153,000 |
| Collateral | 25 | $3,165,000 | $126,000 | $475,000 | $88,000 | $248,000 |
| Credit Application Incomplete | 16 | $2,150,000 | $134,000 | $295,000 | $59,000 | $158,000 |
| Other | 7 | $905,000 | $129,000 | $275,000 | $61,000 | $85,000 |
| Unverifiable Information | 7 | $495,000 | $70,000 | $155,000 | $41,000 | $80,000 |
| Employment History | 2 | $310,000 | $155,000 | $205,000 | $50,000 | $74,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $495,000 | $495,000 | $495,000 | $137,000 | $137,000 |
| 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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