Monroe County, WV Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 337 mortgage applications in Monroe County, WV totaling $32.6 million, up 19% from 2010. The average application was for $96,000, and applicants reported an average income of $54,000. 46% of applications resulted in an originated loan and 25% were denied. The most active lender was Truist Bank, with 61 applications, followed by Vanderbilt Mortgage and Finance, Inc and JPMorgan Chase Bank, NA.

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Total Number of Mortgage Applications 337
Total Mortgage Loan Application Amount $32,639,000
Average Mortgage Loan Application Amount $96,000
Highest Mortgage Loan Application Amount $1,137,000
Average Applicant Income $54,000
Highest Applicant Income $1,011,000

Mortgage Company List for Lending in Monroe County, WV for 2011

* 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
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 61 $ 4,710,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 25 $ 1,766,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 22 $ 2,103,000
First Community Bank
29 COLLEGE DR
BLUEFIELD, VA 24605
* $ 2,227,739,000 20 $ 1,690,000
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ 2,613,220,000 19 $ 745,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 14 $ 1,827,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 13 $ 2,010,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 13 $ 1,469,000
National Bank of Blacksburg
P.O. BOX 90002
BLACKSBURG, VA 24060
* $ 1,018,622,000 10 $ 304,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 8 $ 377,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 7 $ 802,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 931,141,000 7 $ 791,000
C&F Mortgage Corporation
1400 ALVERSER DRIVE
MIDLOTHIAN, VA 23113
* $ 189,567,000 6 $ 587,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 6 $ 798,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 20,797,006,000 6 $ 619,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 6 $ 871,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 6 $ 602,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 5 $ 832,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 4 $ 494,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 4 $ 497,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 3 $ 353,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 3 $ 394,000
New Peoples Bank, Inc
PO BOX 1810
HONAKER, VA 24260
* $ 852,759,000 3 $ 210,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 2 $ 89,000
Stellarone Bank
1051 EAST CARY STREET, SUITE 1200
RICHMOND, VA 23219
* $ 2,923,419,000 2 $ 138,000
United Bank Inc
5TH & AVERY/UNITED SQUARE
PARKERSBURG, WV 26102
* $ 3,465,028,000 2 $ 1,142,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 2 $ 67,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 52,799,993,000 2 $ 258,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 2 $ 294,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 2 $ 257,000
Farm Credit of the Virginias, Aca
106 SANGERS LANE
STAUNTON, VA 24401
* $ 1,007,892,000,000 2 $ 134,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ 710,000 2 $ 264,000
Semper Home Loans, Inc
225 DUPONT DRIVE
PROVIDENCE, RI 02907
* $ 3,295,000 1 $ 133,000
Wcs Lending, LLC
951 YAMATO ROAD, SUITE 150
BOCA RATON, FL 33431
* $ 25,076,000 1 $ 99,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 150,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 1 $ 151,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 70,000
Citizens Nb of Paintsville
PO BOX 1488
PAINTSVILLE, KY 41240
* $ 577,869,000 1 $ 53,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 467,975,000 1 $ 59,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 58,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 128,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 1 $ 151,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 1 $ 97,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 1 $ 151,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 1 $ 80,000
First Star Bank, S.S.B.
109 S COMMERCE / PO BOX 7
BREMOND, TX 76629
* $ 193,110,000 1 $ 133,000
Devon Bank
6445 N WESTERN AVENUE
CHICAGO, IL 60645
* $ 287,120,000 1 $ 45,000
Summit Community Bank, Inc
PO BOX 680; 310 NORTH MAIN STREET
MOOREFIELD, WV 26836
* $ 1,469,920,000 1 $ 51,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 1 $ 63,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 3,217,801,000 1 $ 169,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 830,474,000 1 $ 145,000
Home Savings of America
35 E BROADWAY
LITTLE FALLS, MN 56345
* $ 457,501,000 1 $ 109,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,312,000,000 1 $ 200,000
Community Bank
38 N. CENTRAL AVE., PO BOX 1209
STAUNTON, VA 24401
* $ 529,621,000 1 $ 70,000
Aurora Bank FSB
10350 PARK MEADOWS DRIVE
LONE TREE, CO 80124
* $ 4,335,558,000 1 $ 60,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 1 $ 94,000
Putnam County Bank
P.O. BOX 308
HURRICANE, WV 25526
* $ 561,274,000 1 $ 3,000
Justice Federal Credit Union
5175 PARKSTONE DRIVE, STE. 200
CHANTILLY, VA 20151
* $ 512,226,000 1 $ 135,000
Superior Choice Credit Union
1320 GRAND AVENUE
SUPERIOR, WI 54880
* $ 189,478,000 1 $ 75,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 1 $ 66,000

The tables below break down 2011 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 2011

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 169 $19,839,000 $117,000 $1,137,000 $62,000 $1,011,000
Home Purchase 127 $11,273,000 $88,000 $268,000 $47,000 $121,000
Home Improvement 41 $1,527,000 $37,000 $151,000 $45,000 $98,000

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 287 $26,863,000 $93,000 $1,137,000 $56,000 $1,011,000
Not Provided 33 $3,402,000 $103,000 $197,000 $56,000 $135,000
Not applicable 16 $2,274,000 $142,000 $268,000 $21,000 $82,000
American Indian or Alaskan Native 1 $100,000 $100,000 $100,000 $76,000 $76,000
Asian 0 $0 $0 $0 $0 $0
Black or African American 0 $0 $0 $0 $0 $0
Hispanic 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) 252 $22,252,000 $88,000 $1,137,000 $58,000 $1,011,000
FHA-insured (Federal Housing Administration) 39 $4,844,000 $124,000 $224,000 $50,000 $103,000
VA-guaranteed (Veterans Administration) 24 $3,380,000 $140,000 $311,000 $30,000 $120,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 22 $2,163,000 $98,000 $166,000 $44,000 $68,000

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 154 $14,899,000 $96,000 $1,137,000 $60,000 $1,011,000
Application Denied By Financial Institution 84 $7,147,000 $85,000 $335,000 $52,000 $223,000
Loan Purchased By The Institution 40 $5,025,000 $125,000 $268,000 $38,000 $102,000
Application Approved But Not Accepted 26 $1,970,000 $75,000 $148,000 $55,000 $93,000
Application Withdrawn By Applicant 19 $1,862,000 $98,000 $182,000 $53,000 $120,000
File Closed For Incompleteness 14 $1,736,000 $124,000 $208,000 $58,000 $135,000
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 24 $1,194,000 $49,000 $159,000 $38,000 $85,000
Collateral 19 $2,692,000 $141,000 $311,000 $70,000 $185,000
Debt-To-Income Ratio 14 $984,000 $70,000 $161,000 $55,000 $223,000
Other 10 $1,038,000 $103,000 $335,000 $76,000 $180,000
Credit Application Incomplete 2 $187,000 $93,000 $97,000 $79,000 $107,000
Unverifiable Information 1 $199,000 $199,000 $199,000 $37,000 $37,000
Insufficient Cash (Downpayment, Closing Cost) 1 $70,000 $70,000 $70,000 $58,000 $58,000
Mortgage Insurance Denied 1 $57,000 $57,000 $57,000 $26,000 $26,000
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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