Morgan County, WV Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 740 mortgage applications in Morgan County, WV totaling $98.9 million, up 17% from 2014. The average application was for $133,000, and applicants reported an average income of $69,000. 53% of applications resulted in an originated loan and 22% were denied. The most active lender was Cnb Bank Inc., with 113 applications, followed by Truist Bank and Wells Fargo Bank NA.

Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in West Virginia.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 740
Total Mortgage Loan Application Amount $98,898,000
Average Mortgage Loan Application Amount $133,000
Highest Mortgage Loan Application Amount $644,000
Average Applicant Income $69,000
Highest Applicant Income $1,155,000

Mortgage Company List for Lending in Morgan County, WV for 2015

* 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
Cnb Bank Inc.
101 S WASHINGTON STREET
BERKELEY SPRINGS, WV 25411
* $ 302,790,000 113 $ 11,329,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 182,489,046,000 61 $ 7,044,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,532,784,000,000 54 $ 7,361,000
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ 3,445,809,000 29 $ 2,967,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 27 $ 3,842,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 26 $ 3,997,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 22 $ 3,421,000
Integrity Home Mortgage Corporation
122 PILOT CIRCLE
WINCHESTER, VA 22602
* $ 1,000,000,000 20 $ 2,758,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 16 $ 2,452,000
The Bank of Romney
95 E MAIN STREET
ROMNEY, WV 26757
* $ 259,718,000 14 $ 1,184,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 14 $ 1,969,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 13 $ 2,049,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 335,060,015,000 12 $ 1,670,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 12 $ 1,832,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 11 $ 1,494,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 10 $ 1,103,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 63,635,411,000 10 $ 1,785,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,356,442,000,000 9 $ 1,039,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 9 $ 1,272,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,685,931,000 8 $ 1,184,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 7 $ 1,158,000
Horizon Farm Credit, Aca
45 AILERON CT.
MECHANICSBURG, PA 17050
* $ 10,000,000 7 $ 975,000
United Bank Inc
5TH & AVERY/UNITED SQUARE
PARKERSBURG, WV 26102
* $ 5,424,901,000 6 $ 702,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 185,888,583,000 6 $ 104,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 255,011,219,000 6 $ 833,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,888,583,000 6 $ 1,053,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 6 $ 925,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 1,052,329,000 6 $ 1,313,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 5 $ 250,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 83,125,845,000 5 $ 867,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,574,093,000,000 5 $ 927,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 5 $ 779,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 398,978,359,000 4 $ 696,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 67,301,894,000 4 $ 1,113,000
First Home Mortgage
6211 GREENLEIGH AVENUE SUITE 300
BALTIMORE, MD 21220
* $ 10,000,000 4 $ 793,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 447,877,000 4 $ 723,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 3 $ 507,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 3 $ 584,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 691,345,000 3 $ 259,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 95,920,564,000 3 $ 454,000
Flagstar Bank
5151 CORPORATE DRIVE
TROY, MI 48098
* $ 9,779,461,000 3 $ 350,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 3 $ 431,000
Capon Valley Bank
2 W MAIN ST, PO BOX 119
WARDENSVILLE, WV 26851
* $ 149,117,000 3 $ 183,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,808,214,000 3 $ 181,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 3 $ 543,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 3 $ 493,000
George Mason Mortgage LLC
4100 MONUMENT CORNER DRIVE #100
FAIRFAX, VA 22030
* $ 630,414,000 3 $ 557,000
Coastal States Mortgage, Inc.
5 BOW CIRCLE
HILTON HEAD ISLAND, SC 29928
* $ 10,000,000 2 $ 312,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ 435,000,000 2 $ 471,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 2 $ 322,000
Jefferson Security Bank
P.O. BOX 35
SHEPHERDSTOWN, WV 25443
* $ 285,724,000 2 $ 471,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 321,539,000 2 $ 297,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 274,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 2 $ 237,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 2 $ 380,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ 710,000 2 $ 293,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 17,796,419,000 2 $ 325,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 2 $ 343,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 2 $ 272,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 2 $ 238,000
Bank of Clarke
2 E MAIN ST
BERRYVILLE, VA 22611
* $ 624,282,000 2 $ 377,000
Lafayette Federal Credit Union
2701 TOWER OAKS BLVD.,
ROCKVILLE, MD 20852
* $ 396,481,000 2 $ 21,000
Fnb Bank, Inc
105 NORTH HIGH STREET
ROMNEY, WV 26757
* $ 165,986,000 2 $ 242,000
First Community Bank of Mercersburg
12 SOUTH MAIN STREET
MERCERSBURG, PA 17236
* $ 167,776,000 1 $ 166,000
Talmer Bank and Trust
2301 W. BIG BEAVER RD., SUITE 200
TROY, MI 48084
* $ 5,045,286,000 1 $ 90,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 1 $ 192,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 1 $ 52,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ 10,000,000 1 $ 220,000
Union Mortgage Group, Inc.
1051 EAST CARY STREET, SUITE 1200
RICHMOND, VA 23219
* $ 7,333,085,000 1 $ 157,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 5,958,502,000 1 $ 240,000
Reliant Bank
1736 CAROTHERS PARKWAY
BRENTWOOD, TN 37027
* $ 295,168,000 1 $ 150,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,680,579,000 1 $ 103,000
Los Angeles Police FCU
16150 SHERMAN WAY
VAN NUYS, CA 91406
* $ 800,087,000 1 $ 82,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 668,685,000 1 $ 154,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 1 $ 134,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 1 $ 64,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ 10,000,000 1 $ 102,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 214,371,000 1 $ 6,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,781,238,000 1 $ 63,000
Apple Federal Credit Union
4029 RIDGE TOP RD
FAIRFAX, VA 22030
* $ 2,015,055,000 1 $ 84,000
Potomac Bank
111 EAST WASHINGTON ST
CHARLES TOWN, WV 00000
* $ 320,142,000 1 $ 78,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 1 $ 90,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 27,356,000,000 1 $ 132,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 1 $ 71,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ 10,000,000 1 $ 160,000
Millennium Financial Group, Inc.
8803 BALTIMORE NATIONAL PIKE
MIDDLETOWN, MD 21769
* $ 199,194,000 1 $ 251,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 1 $ 156,000
McLean Mortgage Corporation
11325 RANDOM HILLS RD. SUITE 400
FAIRFAX, VA 22030
* $ 50,010,000 1 $ 125,000
First Peoples Cfcu
153 BALTIMORE STREET
CUMBERLAND, MD 21502
* $ 338,541,000 1 $ 124,000
First United Bank & Trust
19 S SECOND STREET
OAKLAND, MD 21550
* $ 1,324,319,000 1 $ 112,000
Inland Bank & Trust
1900 W STATE ST
GENEVA, IL 60134
* $ 1,148,005,000 1 $ 172,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 170,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 1 $ 124,000
Tidewater Mortgage Services, Inc
200 GOLDEN OAK COURT STE. 100
VIRGINIA BEACH, VA 26452
* $ 100,000,000 1 $ 103,000
Southern Trust Mortgage, LLC
4433 CORPORATION LANE SUITE 300
VIRGINIA BEACH, VA 23462
* $ 41,745,000 1 $ 356,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 243,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 968,312,000 1 $ 159,000
Potomac Mortgage Group, Inc.
4035 RIDGE TOP ROAD, SUITE 100
FAIRFAX, VA 22030
* $ 15,000,000 1 $ 247,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ 2,664,576,000 1 $ 104,000
Bank Fund Staff Federal Credit
1725 I STREET NW SUITE 150
WASHINGTON, DC 20006
* $ 4,013,461,000 1 $ 133,000
Chessie Federal Credit Union
15 COMMERCE DRIVE
CUMBERLAND, MD 21502
* $ 243,209,000 1 $ 52,000
The Grant County Bank
P. O. BOX 929
PETERSBURG, WV 26847
* $ 238,411,000 1 $ 94,000

The tables below break down 2015 mortgage applications in Morgan 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 Morgan County, WV in 2015

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 321 $45,936,000 $143,000 $385,000 $73,000 $1,155,000
Refinancing 307 $47,121,000 $153,000 $644,000 $67,000 $732,000
Home Improvement 112 $5,841,000 $52,000 $385,000 $61,000 $230,000

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 535 $69,749,000 $130,000 $577,000 $76,000 $1,155,000
Not Provided 97 $13,725,000 $141,000 $400,000 $78,000 $227,000
Not applicable 89 $12,652,000 $142,000 $644,000 $11,000 $173,000
Hispanic 7 $734,000 $104,000 $165,000 $104,000 $242,000
Black or African American 5 $541,000 $108,000 $244,000 $42,000 $67,000
Native Hawaiian or Other Pacific Islander 3 $561,000 $187,000 $240,000 $118,000 $180,000
American Indian or Alaskan Native 3 $796,000 $265,000 $379,000 $80,000 $108,000
Asian 1 $140,000 $140,000 $140,000 $118,000 $118,000

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) 485 $60,243,000 $124,000 $644,000 $82,000 $1,155,000
FHA-insured (Federal Housing Administration) 94 $13,239,000 $140,000 $277,000 $50,000 $732,000
VA-guaranteed (Veterans Administration) 88 $15,334,000 $174,000 $385,000 $43,000 $142,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 73 $10,082,000 $138,000 $254,000 $35,000 $87,000

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 392 $51,905,000 $132,000 $644,000 $79,000 $1,155,000
Application Denied By Financial Institution 164 $21,257,000 $129,000 $463,000 $68,000 $934,000
Loan Purchased By The Institution 96 $13,418,000 $139,000 $293,000 $21,000 $440,000
Application Withdrawn By Applicant 59 $8,290,000 $140,000 $385,000 $82,000 $732,000
File Closed For Incompleteness 18 $2,451,000 $136,000 $240,000 $74,000 $180,000
Application Approved But Not Accepted 11 $1,577,000 $143,000 $247,000 $58,000 $126,000
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
Collateral 34 $6,252,000 $183,000 $463,000 $78,000 $269,000
Credit History 34 $2,585,000 $76,000 $379,000 $60,000 $148,000
Debt-To-Income Ratio 18 $1,680,000 $93,000 $320,000 $45,000 $125,000
Credit Application Incomplete 12 $1,433,000 $119,000 $194,000 $65,000 $126,000
Unverifiable Information 5 $793,000 $158,000 $210,000 $92,000 $198,000
Insufficient Cash (Downpayment, Closing Cost) 3 $296,000 $98,000 $150,000 $32,000 $47,000
Other 2 $317,000 $158,000 $279,000 $81,000 $130,000
Employment History 1 $3,000 $3,000 $3,000 $32,000 $32,000
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.

Download the West Virginia Lender List