Monroe County, WV Mortgage Lenders & HMDA Data, 2006

In 2006, lenders reported 561 mortgage applications in Monroe County, WV totaling $47.5 million, down 12% from 2005. The average application was for $84,000, and applicants reported an average income of $54,000. 43% of applications resulted in an originated loan and 32% were denied. The most active lender was Branch Banking and Trust Co, with 52 applications, followed by JPMorgan Chase Bank, NA and City National Bank of Wv.

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Total Number of Mortgage Applications 561
Total Mortgage Loan Application Amount $47,540,000
Average Mortgage Loan Application Amount $84,000
Highest Mortgage Loan Application Amount $600,000
Average Applicant Income $54,000
Highest Applicant Income $950,000

Mortgage Company List for Lending in Monroe 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 52 $ 3,998,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,013,985,000,000 36 $ 3,129,000
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ 2,494,094,000 34 $ 2,134,000
First Community Bank, N. A.
P O BOX 989
BLUEFIELD, VA 24605
* $ 1,941,323,000 33 $ 1,851,000
Beneficial Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 4,017,643,000 31 $ 2,782,000
Countrywide Home Loans
30930 RUSSELL RANCH ROAD MS WLRR-148
WESTLAKE VILLAGE, CA 91362
* $ 175,085,370,000 27 $ 3,345,000
National Bank of Blacksburg
P.O. BOX 90002
BLACKSBURG, VA 24060
* $ 488,594,000 17 $ 749,000
Citifinancial Inc
300 ST PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 16 $ 657,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 13 $ 1,266,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 11 $ 820,000
Decision One Mortgage
26525 N. RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 3,387,027,000 10 $ 812,000
Abn Amro Mtg Group Inc
850 THIRD AVENUE, 12TH FLOOR
NEW YORK, NY 10022
* $ 250,000,000 9 $ 1,089,000
Vanderbilt Mortgage
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 9 $ 484,000
Wells Fargo Bank, NA
1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042
DES MOINES, IA 50328
* $ 403,258,000,000 9 $ 795,000
Chase Manhattan Bank USA, NA
200 WHITE CLAY CENTER DR
NEWARK, DE 19711
* $ 75,051,579,000 8 $ 558,000
Suntrust Mortgage, Inc
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 177,231,290,000 8 $ 602,000
New Peoples Bank, Inc
PO BOX 1810
HONAKER, VA 24260
* $ 527,642,000 8 $ 483,000
Wilmington Finance, Inc.
620 W GERMANTOWN RD
PLYMOUTH MEETING, PA 19462
* $ 10,000,000 7 $ 566,000
Home Loan Center
163 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 10,000,000 7 $ 1,134,000
United Bank Inc
5TH & AVERY/UNITED SQUARE
PARKERSBURG, WV 26102
* $ 3,895,515,000 6 $ 1,440,000
Nfcu
820 FOLLIN LANE
VIENNA, VA 22180
* $ 24,644,357,000 5 $ 65,000
Flagstar Bank
5151 CORPORATE DR
TROY, MI 48098
* $ 15,054,001,000 5 $ 437,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 706,497,000 5 $ 475,000
Countrywide Bank, N.A.
35 NORTH LAKE, MS 35-148
PASADENA, CA 91101
* $ 73,116,292,000 4 $ 308,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 208,867,410,000 4 $ 284,000
National City Bank
1900 E NINTH ST LOC 01-3144
CLEVELAND, OH 44114
* $ 69,482,177,000 4 $ 363,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 4 $ 444,000
Green Tree Servicing LLC
345 ST. PETER STREET
ST. PAUL, MN 55102
* $ 31,000,000 4 $ 159,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 19,653,232,000 4 $ 311,000
First-Citizens Bank & Trust Co
16 E ROWAN STREET
RALEIGH, NC 27609
* $ 12,709,802,000 4 $ 250,000
Summit Community Bank, Inc
PO BOX 680; 310 NORTH MAIN STREET
MOOREFIELD, WV 26836
* $ 709,622,000 4 $ 90,000
First National Bank
P O BOX 600
CHRISTIANSBURG, VA 24068
* $ 793,523,000 4 $ 550,000
Wachovia Mortgage Corp
301 S COLLEGE ST
CHARLOTTE, NC 28202
* $ 2,687,938,000 4 $ 500,000
Wells Fargo Finl West Virginia
800 WALNUT ST, 6TH FLOOR, MAC F4031-061
DES MOINES, IA 50309
* $ 36,752,895,000 4 $ 277,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 177,231,290,000 3 $ 170,000
Eloan
9600 WEST BRYN MAWR
ROSEMONT, IL 60018
* $ 48,624,000,000 3 $ 311,000
Ally Bank F/K/A/ Gmac Bank
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 2,429,481,000 3 $ 290,000
Washington Mutual Bank
227 EAST AVENUE
ALBION, NY 14411
* $ 330,706,384,000 3 $ 154,000
Citifinancial Mtg Co, Inc
4000 REGENT BLVD
IRVING, TX 75063
* $ 32,424,600,000 3 $ 176,000
Home123 Corporation
3351 MICHELSON DRIVE, SUITE 400
IRVINE, CA 92612
* $ 10,000,000 3 $ 617,000
Farm Credit of the Virginias, Aca
106 SANGERS LANE
STAUNTON, VA 24401
* $ 1,007,892,000,000 3 $ 275,000
Saxon Mortgage
4840 COX ROAD
GLEN ALLEN, VA 23060
* $ 10,000,000 3 $ 302,000
Citibank, N.A.
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 706,497,000,000 3 $ 115,000
Wells Fargo Bank, NA
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 472,143,000,000 2 $ 608,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 1,082,250,290,000 2 $ 232,000
US Bank North Dakota
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 3,900,290,000 2 $ 164,000
HSBC Bank USA, NA
1 HSBC CENTER - 24TH FLOOR
BUFFALO, NY 14203
* $ 150,679,481,000 2 $ 164,000
Homecomings Financial LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 10,000,000 2 $ 180,000
Freedom Mortgage Corp.
10500 KINCAID DR. STE. 300
FISHERS, IN 46037
* $ 10,000,000 2 $ 448,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 2 $ 189,000
Residential Funding Corp. LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 10,000,000 2 $ 158,000
Molton, Allen & Williams Mtg
1000 URBAN CENTER DRIVE, STE 500
BIRMINGHAM, AL 35242
* $ 10,000,000 2 $ 169,000
Novastar Mortgage
2114 CENTRAL SUITE 600
KANSAS CITY, MO 64108
* $ 10,000,000 2 $ 222,000
Long Beach Mortgage Co.
227 EAST AVENUE
ALBION, NY 14411
* $ 330,706,384,000 2 $ 147,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 2 $ 84,000
Mwabank
1701 1ST AVENUE
ROCK ISLAND, IL 61201
* $ 82,501,000 2 $ 153,000
Priceline Mortgage Company LLC
8100 NATIONS WAY
JACKSONVILLE, FL 32256
* $ 75,254,000 2 $ 480,000
Corinthian Mortgage Corp
5750 W 95TH STREET, SUITE 155
OVERLAND PARK, KS 66207
* $ 341,661,000 2 $ 85,000
Capital One Home Loans, LLC
12800 FOSTER STREET
OVERLAND PARK, KS 66213
* $ 88,701,411,000 2 $ 116,000
State Farm Bank
1 STATE FARM PLAZA
BLOOMINGTON, IL 61710
* $ 12,218,679,000 2 $ 51,000
First Mariner Bank
3301 BOSTON STREET
BALTIMORE, MD 21224
* $ 1,279,442,000 2 $ 223,000
Lendmark Financial Services
223 W NASH ST
WILSON, NC 27893
* $ 43,592,768,000 2 $ 72,000
HSBC Mortgage Services, Inc.
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 16,981,282,000 2 $ 208,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 2 $ 207,000
First Horizon Home Loan Corp
4000 HORIZON WAY
IRVING, TX 75063
* $ 1,446,000,000 2 $ 233,000
Access National Mortgage Corp
1800 ROBERT FULTON DR, SUITE 350
RESTON, VA 20191
* $ 10,000,000 1 $ 104,000
Popular Housing Services
9600 WEST BRYN MAWR
ROSEMONT, IL 60018
* $ 21,874,000,000 1 $ 47,000
M&T Mortgage Corporation
465 MAIN STREET - 5TH FLR - LAFAYETTE CT
BUFFALO, NY 14203
* $ 54,391,344,000 1 $ 114,000
Discover Bank
502 EAST MARKET STREET
GREENWOOD, DE 19950
* $ 23,661,567,000 1 $ 72,000
Keystone Nazareth Bank & Trust
90 HIGHLAND AVE
BETHLEHEM, PA 18017
* $ 3,093,462,000 1 $ 31,000
First Bank of Charleston, Inc.
201 PENNSYLVANIA AVE
CHARLESTON, WV 25302
* $ 91,061,000 1 $ 16,000
Citizens Bank of Pennsylvania
1701 JOHN F. KENNEDY BOULEVARD
PHILADELPHIA, PA 19103
* $ 34,718,624,000 1 $ 26,000
Ge Money Bank
4246 SOUTH RIVERBOAT RDCSUITE 200
SALT LAKE CITY, UT 84123
* $ 12,329,271,000 1 $ 20,000
Aurora Bank FSB
1271 SIXTH AVENUE, 46TH FLOOR
NEW YORK, NY 10020
* $ 22,481,092,000 1 $ 56,000
Colonial Savings, F. A.
P. O. BOX 2988
FORT WORTH, TX 76113
* $ 1,024,688,000 1 $ 109,000
Home Loan Investment Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 240,529,000 1 $ 85,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,537,114,000 1 $ 52,000
Sovereign Bank
1130 BERKSHIRE BOULEVARD
WYOMISSING, PA 19610
* $ 63,658,270,000 1 $ 28,000
Lydian Private Bank
3801 PGA BLVD SUITE 700
PALM BEACH GARDENS, FL 33410
* $ 1,643,043,000 1 $ 240,000
Best Rate Funding Corp
2 MAC ARTHUR PLACE, STE. 800
SANTA ANA, CA 92707
* $ 10,000,000 1 $ 113,000
Merrill Lynch Mortgage Lending
4 WORLD FINANCIAL CENTER, 12TH FLOOR
NEW YORK, NY 10280
* $ 19,717,040,000 1 $ 55,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 1 $ 15,000
Together Credit Union
MICHAEL DOUGHERTY
423 LYNCH STREET, MO 63118
* $ 703,060,000 1 $ 86,000
Member One Federal Credit Union
P.O. BOX 12288
ROANOKE, VA 24024
* $ 321,036,000 1 $ 40,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 150,000
Equity Services, Inc.
5711 SIX FORKS ROAD, STE 201
RALEIGH, NC 27609
* $ 10,000,000 1 $ 83,000
Global Equity Lending, Inc.
6465 EAST JOHNS CROSSING
JOHNS CREEK, GA 30097
* $ 10,000,000 1 $ 244,000
Morgan Stanley Credit Corp
75 N. FAIRWAY DRIVE
VERNON HILLS, IL 60061
* $ 10,000,000 1 $ 72,000
The Cit Group/Consumer Finance
1 CIT DRIVE
LIVINGSTON, NJ 07039
* $ 10,000,000 1 $ 105,000
Accredited Home Lenders, Inc
15253 AVENUE OF SCIENCE BLDG 1
SAN DIEGO, CA 92128
* $ 10,000,000 1 $ 75,000
Nations Home Funding, Inc
761 OLD HICKORY BLVD., STE 400
BRENTWOOD, TN 37027
* $ 10,000,000 1 $ 150,000
American Home Mortgage Corp.
538 BROADHOLLOW RD
MELVILLE, NY 11747
* $ 10,000,000 1 $ 533,000
Pinnacle Mortgage Group, Inc.
3605 SOUTH TELLER ST
LAKEWOOD, CO 80235
* $ 10,000,000 1 $ 138,000
New Century Mortgage Corporati
18400 VON KARMAN AVE., SUITE 1000
IRVINE, CA 92612
* $ 10,000,000 1 $ 100,000
Greenlight Financial Services
18200 VON KARMAN STE #300
IRVINE, CA 92612
* $ 10,000,000 1 $ 70,000
Lime Financial Services, Ltd.
3815 SOUTH WEST TEMPLE
SALT LAKE CITY, UT 84115
* $ 10,000,000 1 $ 73,000
Taylor, Bean & Whitaker
315 NE 14TH STREET
OCALA, FL 34470
* $ 10,000,000 1 $ 74,000
HSBC Mortgage Corp
2929 WALDEN AVE
DEPEW, NY 14043
* $ 92,958,000 1 $ 245,000
American Home Bank
3840 HEMPLAND ROAD
MOUNTVILLE, PA 17554
* $ 163,301,000 1 $ 215,000
Mbna America Delaware, N.A.
200 N COLLEGE ST NC1-004-04-13
CHARLOTTE, NC 28255
* $ 5,455,865,000 1 $ 117,000

The tables below break down 2006 mortgage applications in Monroe 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 Monroe 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 269 $24,957,000 $92,000 $565,000 $49,000 $189,000
Home Purchase 197 $19,007,000 $96,000 $600,000 $64,000 $950,000
Home Improvement 95 $3,576,000 $37,000 $165,000 $46,000 $135,000

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 448 $37,318,000 $83,000 $600,000 $58,000 $950,000
Not Provided 60 $4,639,000 $77,000 $308,000 $44,000 $150,000
Not applicable 38 $3,910,000 $102,000 $532,000 $18,000 $150,000
Hispanic 9 $898,000 $99,000 $260,000 $72,000 $180,000
Black or African American 4 $588,000 $147,000 $308,000 $80,000 $139,000
American Indian or Alaskan Native 1 $110,000 $110,000 $110,000 $38,000 $38,000
Asian 1 $77,000 $77,000 $77,000 $28,000 $28,000
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) 535 $44,719,000 $83,000 $600,000 $55,000 $950,000
VA-guaranteed (Veterans Administration) 12 $1,476,000 $123,000 $286,000 $37,000 $86,000
FHA-insured (Federal Housing Administration) 9 $818,000 $90,000 $188,000 $42,000 $75,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 5 $527,000 $105,000 $130,000 $36,000 $60,000

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 242 $20,081,000 $82,000 $600,000 $58,000 $409,000
Application Denied By Financial Institution 178 $12,784,000 $71,000 $565,000 $47,000 $189,000
Loan Purchased By The Institution 58 $6,290,000 $108,000 $532,000 $27,000 $192,000
Application Approved But Not Accepted 38 $3,497,000 $92,000 $245,000 $83,000 $950,000
Application Withdrawn By Applicant 35 $3,820,000 $109,000 $277,000 $73,000 $360,000
File Closed For Incompleteness 10 $1,068,000 $106,000 $200,000 $59,000 $160,000
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 53 $2,639,000 $49,000 $130,000 $39,000 $132,000
Debt-To-Income Ratio 25 $1,583,000 $63,000 $200,000 $39,000 $88,000
Collateral 21 $2,445,000 $116,000 $565,000 $74,000 $189,000
Credit Application Incomplete 9 $701,000 $77,000 $109,000 $43,000 $60,000
Other 7 $447,000 $63,000 $89,000 $39,000 $67,000
Unverifiable Information 6 $918,000 $153,000 $245,000 $49,000 $65,000
Insufficient Cash (Downpayment, Closing Cost) 4 $310,000 $77,000 $84,000 $45,000 $60,000
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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