Mingo County, WV Mortgage Lenders & HMDA Data, 2006

In 2006, lenders reported 806 mortgage applications in Mingo County, WV totaling $51.3 million, down 16% from 2005. The average application was for $63,000, and applicants reported an average income of $63,000. 36% of applications resulted in an originated loan and 40% were denied. The most active lender was Branch Banking and Trust Co, with 126 applications, followed by Community Trust Bank, Inc. and Beneficial Company LLC.

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Total Number of Mortgage Applications 806
Total Mortgage Loan Application Amount $51,265,000
Average Mortgage Loan Application Amount $63,000
Highest Mortgage Loan Application Amount $500,000
Average Applicant Income $63,000
Highest Applicant Income $6,910,000

Mortgage Company List for Lending in Mingo County, WV for 2006

* 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
Branch Banking and Trust Co
223 W NASH STREET
WILSON, NC 27893
* $ 80,226,832,000 126 $ 6,902,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 2,837,528,000 97 $ 6,069,000
Beneficial Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 4,017,643,000 70 $ 4,785,000
Green Tree Servicing LLC
345 ST. PETER STREET
ST. PAUL, MN 55102
* $ 31,000,000 50 $ 2,297,000
Vanderbilt Mortgage
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 35 $ 1,990,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,013,985,000,000 31 $ 2,036,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 29 $ 2,190,000
Chase Manhattan Bank USA, NA
200 WHITE CLAY CENTER DR
NEWARK, DE 19711
* $ 75,051,579,000 24 $ 1,818,000
Wells Fargo Finl West Virginia
800 WALNUT ST, 6TH FLOOR, MAC F4031-061
DES MOINES, IA 50309
* $ 36,752,895,000 24 $ 1,817,000
Citifinancial Inc
300 ST PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 23 $ 949,000
Countrywide Home Loans
30930 RUSSELL RANCH ROAD MS WLRR-148
WESTLAKE VILLAGE, CA 91362
* $ 175,085,370,000 21 $ 2,619,000
US Bank North Dakota
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 3,900,290,000 21 $ 1,011,000
First Community Bank, N. A.
P O BOX 989
BLUEFIELD, VA 24605
* $ 1,941,323,000 17 $ 731,000
CU Factory Built Lending, LP
6061 IH-10 WEST
SAN ANTONIO, TX 78201
* $ 1,761,607,000 15 $ 837,000
Origen Financial Services LLC
27777 FRANKLIN ROAD SUITE 1710
SOUTHFIELD, MI 48034
* $ 10,000,000 14 $ 733,000
Lendmark Financial Services
223 W NASH ST
WILSON, NC 27893
* $ 43,592,768,000 10 $ 627,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 208,867,410,000 9 $ 453,000
New Century Mortgage Corporati
18400 VON KARMAN AVE., SUITE 1000
IRVINE, CA 92612
* $ 10,000,000 8 $ 801,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 8 $ 690,000
Citifinancial Mtg Co, Inc
4000 REGENT BLVD
IRVING, TX 75063
* $ 32,424,600,000 7 $ 679,000
State Farm Bank
1 STATE FARM PLAZA
BLOOMINGTON, IL 61710
* $ 12,218,679,000 6 $ 466,000
Corinthian Mortgage Corp
5750 W 95TH STREET, SUITE 155
OVERLAND PARK, KS 66207
* $ 341,661,000 6 $ 269,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ 60,000,000 6 $ 360,000
National City Bank
1900 E NINTH ST LOC 01-3144
CLEVELAND, OH 44114
* $ 69,482,177,000 6 $ 352,000
Wells Fargo Bank, NA
1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042
DES MOINES, IA 50328
* $ 403,258,000,000 6 $ 348,000
Tierone Bank
1235 "N" STREET
LINCOLN, NE 68508
* $ 3,218,381,000 6 $ 399,000
Greenlight Financial Services
18200 VON KARMAN STE #300
IRVINE, CA 92612
* $ 10,000,000 5 $ 316,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 4 $ 342,000
Residential Funding Corp. LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 10,000,000 4 $ 218,000
Citibank, N.A.
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 706,497,000,000 4 $ 222,000
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ 2,494,094,000 4 $ 193,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 4 $ 199,000
Calusa Investments, L.L.C.
P.O. BOX 710840
HERNDON, VA 20171
* $ 10,000,000 4 $ 508,000
Superior Choice Credit Union
1320 GRAND AVENUE
SUPERIOR, WI 54880
* $ 109,827,000 4 $ 179,000
Washington Mutual Bank
227 EAST AVENUE
ALBION, NY 14411
* $ 330,706,384,000 4 $ 215,000
Citicorp Trust Bank, FSB
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 36,499,554,000 4 $ 330,000
HSBC Mortgage Services, Inc.
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 16,981,282,000 4 $ 205,000
United Bank Inc
5TH & AVERY/UNITED SQUARE
PARKERSBURG, WV 26102
* $ 3,895,515,000 3 $ 65,000
The Huntington National Bank
7575 HUNTINGTON PARK DR
COLUMBUS, OH 43235
* $ 32,414,250,000 3 $ 145,000
Abn Amro Mtg Group Inc
850 THIRD AVENUE, 12TH FLOOR
NEW YORK, NY 10022
* $ 250,000,000 3 $ 262,000
Indymac Bank, F.S.B.
888 EAST WALNUT ST
PASADENA, CA 91101
* $ 20,329,938,000 3 $ 353,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ 153,433,000 3 $ 163,000
Home123 Corporation
3351 MICHELSON DRIVE, SUITE 400
IRVINE, CA 92612
* $ 10,000,000 3 $ 253,000
Mbna America Delaware, N.A.
200 N COLLEGE ST NC1-004-04-13
CHARLOTTE, NC 28255
* $ 5,455,865,000 3 $ 200,000
First Magnus Financial Corp
603 N. WILMOT ROAD
TUCSON, AZ 85711
* $ 10,000,000 3 $ 278,000
Saxon Mortgage
4840 COX ROAD
GLEN ALLEN, VA 23060
* $ 10,000,000 2 $ 169,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 706,497,000 2 $ 98,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 154,000
Freedom Mortgage Corp.
10500 KINCAID DR. STE. 300
FISHERS, IN 46037
* $ 10,000,000 2 $ 184,000
Home Loan Center
163 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 10,000,000 2 $ 163,000
Capital One Home Loans, LLC
12800 FOSTER STREET
OVERLAND PARK, KS 66213
* $ 88,701,411,000 2 $ 123,000
Ge Money Bank
4246 SOUTH RIVERBOAT RDCSUITE 200
SALT LAKE CITY, UT 84123
* $ 12,329,271,000 2 $ 57,000
E*Trade Bank
671 NORTH GLEBE RD, 12TH FLOOR
ARLINGTON, VA 22203
* $ 33,011,949,000 2 $ 470,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 57,612,849,000 2 $ 188,000
Eloan
9600 WEST BRYN MAWR
ROSEMONT, IL 60018
* $ 48,624,000,000 2 $ 195,000
The Ohio Valley Bank Company
420 THIRD AVENUE
GALLIPOLIS, OH 45631
* $ 741,487,000 2 $ 48,000
Bank of Blue Valley
11935 RILEY
OVERLAND PARK, KS 66213
* $ 670,504,000 1 $ 65,000
Suntrust Mortgage, Inc
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 177,231,290,000 1 $ 81,000
First Horizon Home Loan Corp
4000 HORIZON WAY
IRVING, TX 75063
* $ 1,446,000,000 1 $ 123,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 177,231,290,000 1 $ 5,000
Aurora Bank FSB
1271 SIXTH AVENUE, 46TH FLOOR
NEW YORK, NY 10020
* $ 22,481,092,000 1 $ 74,000
Home Loan Investment Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 240,529,000 1 $ 5,000
Flagstar Bank
5151 CORPORATE DR
TROY, MI 48098
* $ 15,054,001,000 1 $ 30,000
Decision One Mortgage
26525 N. RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 3,387,027,000 1 $ 55,000
Premier Bank, Inc.
601 WASHINGTON STREET
RAVENSWOOD, WV 26164
* $ 149,422,000 1 $ 80,000
Franklin Bank SSB
9800 RICHMOND, SUITE 680
HOUSTON, TX 77042
* $ 4,467,281,000 1 $ 67,000
Whitesville State Bank
38609 COAL RIVER ROAD
WHITESVILLE, WV 25209
* $ 58,642,000 1 $ 25,000
First Bank
PO BOX 508
TROY, NC 27371
* $ 1,800,278,000 1 $ 25,000
BNC Mortgage
745 SEVENTH AVENUE, 24TH FLOOR
NEW YORK, NY 10019
* $ 2,500,000,000 1 $ 75,000
Meritage Mortgage Corporation
4901 BELFORT ROAD, SUITE 160
JACKSONVILLE, FL 32256
* $ 331,410,000 1 $ 60,000
Bmi Federal Credit Union
6165 EMERALD PARKWAY
DUBLIN, OH 43016
* $ 246,630,000 1 $ 40,000
Slm Financial Corporation
300 CONTINENTAL DRIVE
NEWARK, DE 19713
* $ 10,000,000 1 $ 15,000
Walter Mortgage Company
4211 W. BOY SCOUT BLVD.
TAMPA, FL 33607
* $ 10,000,000 1 $ 117,000
Crevecor Mortgage Inc
1150 HANLEY INDUSTRIAL CRT
BRENTWOOD, MO 63144
* $ 12,730,945,000 1 $ 65,000
Southstar Funding, LLC
400 NORTHRDIGE ROAD, SUITE 1000
ATLANTA, GA 30350
* $ 10,000,000 1 $ 14,000
Accredited Home Lenders, Inc
15253 AVENUE OF SCIENCE BLDG 1
SAN DIEGO, CA 92128
* $ 10,000,000 1 $ 75,000
Global Equity Lending, Inc.
6465 EAST JOHNS CROSSING
JOHNS CREEK, GA 30097
* $ 10,000,000 1 $ 65,000
Select Mortgage Group Ltd
3040 PRESIDENTIAL DR
FAIRBORN, OH 45324
* $ 370,000 1 $ 84,000
The Cit Group/Consumer Finance
1 CIT DRIVE
LIVINGSTON, NJ 07039
* $ 10,000,000 1 $ 72,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 30,000
Wilmington Finance, Inc.
620 W GERMANTOWN RD
PLYMOUTH MEETING, PA 19462
* $ 10,000,000 1 $ 142,000
HSBC Mortgage Corp
2929 WALDEN AVE
DEPEW, NY 14043
* $ 92,958,000 1 $ 65,000
American Home Mortgage Corp.
538 BROADHOLLOW RD
MELVILLE, NY 11747
* $ 10,000,000 1 $ 66,000
Mortgage South Inc
5206 MARKEL ROAD STE 100A
RICHMOND, VA 23230
* $ 10,000,000 1 $ 48,000
Countrywide Bank, N.A.
35 NORTH LAKE, MS 35-148
PASADENA, CA 91101
* $ 73,116,292,000 1 $ 117,000
Legacybank
20957 RIVERSIDE DRIVE
GRUNDY, VA 24614
* $ 245,232,000 1 $ 46,000
Commerce Bank, NA
2059 SPINGDALE ROAD
CHERRY HILL, NJ 08003
* $ 34,737,091,000 1 $ 50,000
Community National Bank
48 N. SOUTH STREET
WILMINGTON, OH 45177
* $ 145,409,000 1 $ 23,000

The tables below break down 2006 mortgage applications in Mingo 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 Mingo County, WV in 2006

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
Refinancing 388 $29,397,000 $75,000 $400,000 $57,000 $1,080,000
Home Purchase 294 $18,461,000 $62,000 $500,000 $76,000 $6,910,000
Home Improvement 124 $3,407,000 $27,000 $120,000 $51,000 $136,000

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 696 $42,913,000 $61,000 $275,000 $64,000 $6,910,000
Not Provided 75 $5,756,000 $76,000 $400,000 $65,000 $1,080,000
Not applicable 18 $1,205,000 $66,000 $142,000 $25,000 $120,000
Black or African American 7 $420,000 $60,000 $81,000 $51,000 $122,000
American Indian or Alaskan Native 5 $338,000 $67,000 $105,000 $47,000 $60,000
Hispanic 3 $130,000 $43,000 $50,000 $21,000 $29,000
Native Hawaiian or Other Pacific Islander 1 $500,000 $500,000 $500,000 $216,000 $216,000
Asian 1 $3,000 $3,000 $3,000 $41,000 $41,000

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) 793 $50,359,000 $63,000 $500,000 $64,000 $6,910,000
FHA-insured (Federal Housing Administration) 9 $525,000 $58,000 $107,000 $46,000 $70,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 3 $314,000 $104,000 $143,000 $54,000 $65,000
VA-guaranteed (Veterans Administration) 1 $67,000 $67,000 $67,000 $29,000 $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 321 $18,830,000 $58,000 $232,000 $49,000 $240,000
Loan Originated 291 $17,609,000 $60,000 $275,000 $60,000 $494,000
Application Approved But Not Accepted 79 $5,405,000 $68,000 $500,000 $138,000 $6,910,000
Application Withdrawn By Applicant 63 $5,543,000 $87,000 $400,000 $70,000 $1,080,000
Loan Purchased By The Institution 32 $2,306,000 $72,000 $142,000 $40,000 $120,000
File Closed For Incompleteness 20 $1,572,000 $78,000 $156,000 $56,000 $125,000
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
Credit History 91 $4,640,000 $50,000 $147,000 $50,000 $165,000
Credit Application Incomplete 29 $2,140,000 $73,000 $207,000 $60,000 $175,000
Collateral 23 $1,555,000 $67,000 $128,000 $51,000 $103,000
Other 22 $1,493,000 $67,000 $232,000 $46,000 $240,000
Insufficient Cash (Downpayment, Closing Cost) 10 $649,000 $64,000 $165,000 $62,000 $91,000
Debt-To-Income Ratio 10 $471,000 $47,000 $158,000 $36,000 $75,000
Employment History 1 $56,000 $56,000 $56,000 $40,000 $40,000
Mortgage Insurance Denied 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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