Nicholas County, WV Mortgage Lenders & HMDA Data, 2007
In 2007, lenders reported 1,321 mortgage applications in Nicholas County, WV totaling $95.7 million, up 1% from 2006. The average application was for $72,000, and applicants reported an average income of $55,000. 50% of applications resulted in an originated loan and 26% were denied. The most active lender was Branch Banking and Trust Co, with 306 applications, followed by First Community Bank, N. A. and Beneficial Company LLC.
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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 | 1,321 |
| Total Mortgage Loan Application Amount | $95,745,000 |
| Average Mortgage Loan Application Amount | $72,000 |
| Highest Mortgage Loan Application Amount | $580,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $686,000 |
* 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 |
|---|---|---|---|---|
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 117,134,085,000 | 306 | $ 18,257,000 |
| First Community Bank, N. A. P O BOX 989 BLUEFIELD, VA 24605 |
* | $ 2,023,102,000 | 165 | $ 7,098,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 91 | $ 6,841,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 64 | $ 6,852,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 3,808,128,000 | 48 | $ 2,635,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,179,390,000,000 | 43 | $ 2,965,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 92,836,714,000 | 43 | $ 4,695,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 2,958,674,000 | 41 | $ 3,198,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,502,908,000 | 33 | $ 1,905,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 31 | $ 1,619,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 29 | $ 3,077,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 398,671,000,000 | 27 | $ 3,206,000 |
| Bank of Gassaway 700 ELK ST. GASSAWAY, WV 26624 |
* | $ 154,711,000 | 25 | $ 1,412,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 22 | $ 1,631,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 22 | $ 1,144,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 18 | $ 1,136,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 217,802,326,000 | 16 | $ 1,125,000 |
| Wells Fargo Finl West Virginia 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 16 | $ 1,781,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 34,914,009,000 | 12 | $ 1,293,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 254,471,000 | 10 | $ 552,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 9 | $ 465,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 182,588,156,000 | 9 | $ 652,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 9 | $ 756,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 345,610,758,000 | 8 | $ 729,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 83,973,505,000 | 8 | $ 441,000 |
| Allied Home Mortgage Corp. 6110 PINEMONT DR., STE. 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 8 | $ 698,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 8 | $ 648,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 8 | $ 977,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 7 | $ 631,000 |
| Citizens Nb of Paintsville PO BOX 1488 PAINTSVILLE, KY 41240 |
* | $ 447,310,000 | 7 | $ 443,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 13,489,917,000 | 7 | $ 290,000 |
| Tierone Bank 1235 "N" STREET LINCOLN, NE 68508 |
* | $ 3,429,718,000 | 7 | $ 478,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 26,048,419,000 | 7 | $ 676,000 |
| Allied Home Mtg Capital Corp 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 6 | $ 564,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 6 | $ 608,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 6 | $ 364,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 6 | $ 656,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 52,671,972,000 | 5 | $ 1,266,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 5 | $ 218,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 5 | $ 296,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 5 | $ 259,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 754,459,000 | 5 | $ 300,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 9,339,663,000 | 4 | $ 375,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 4 | $ 755,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 349,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,196,123,794,000 | 4 | $ 345,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 4 | $ 440,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 4 | $ 653,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 3 | $ 338,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 3 | $ 233,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 27,121,892,000 | 3 | $ 124,000 |
| Ameriprise Bank, FSB 707 2ND AVENUE SOUTH MINNEAPOLIS, MN 55474 |
* | $ 1,059,855,000 | 3 | $ 278,000 |
| Clay County Bank PO BOX 239 CLAY, WV 25125 |
* | $ 60,294,000 | 3 | $ 479,000 |
| Princeville State Bank 142 E. MAIN STREET PRINCEVILLE, IL 61559 |
* | $ 50,711,000 | 2 | $ 65,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 162,569,000 | 2 | $ 156,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 132,831,000 | 2 | $ 64,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 4,173,972,000 | 2 | $ 102,000 |
| First Franklin Financial Corp 2150 NORTH FIRST STREET SAN JOSE, CA 95131 |
* | $ 14,004,000 | 2 | $ 479,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 11,121,365,000 | 2 | $ 90,000 |
| Merrill Lynch Mortgage Lending 4 WORLD FINANCIAL CENTER, 12TH FLOOR NEW YORK, NY 10280 |
* | $ 19,717,040,000 | 2 | $ 144,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 2 | $ 200,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,419,450,000 | 2 | $ 466,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 2 | $ 182,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 134,344,792,000 | 2 | $ 228,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 2 | $ 324,000 |
| Wells Fargo Fin'l Ohio 1, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 2 | $ 169,000 |
| Putnam County Bank P.O. BOX 308 HURRICANE, WV 25526 |
* | $ 457,872,000 | 1 | $ 33,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 4,081,714,000 | 1 | $ 82,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 182,588,156,000 | 1 | $ 83,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 52,671,972,000 | 1 | $ 38,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 17,125,177,000 | 1 | $ 28,000 |
| Sterling National Mortgage Co. 98 CUTTERMILL RD GREAT NECK, NY 11021 |
* | $ 964,388,000 | 1 | $ 104,000 |
| Wilmington Finance, Inc. 620 W GERMANTOWN RD PLYMOUTH MEETING, PA 19462 |
* | $ 10,000,000 | 1 | $ 125,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ 31,000,000 | 1 | $ 140,000 |
| Tribeca Lending Corporation 101 HUDSON STREET 25TH FLOOR JERSEY CITY, NJ 07302 |
* | $ 10,000,000 | 1 | $ 140,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 1 | $ 52,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 105,000 |
| HSBC Mortgage Services, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 16,981,282,000 | 1 | $ 80,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 1 | $ 76,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 62,691,446,000 | 1 | $ 40,000 |
| West Virginia Federal Credit Union 318 5TH AVENUE SOUTH CHARLESTON, WV 25303 |
* | $ 101,367,000 | 1 | $ 101,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 187,594,000 | 1 | $ 38,000 |
| Security Bank 510 E. MONROE ST SPRINGFIELD, IL 62701 |
* | $ 180,370,000 | 1 | $ 29,000 |
| Henry State Bank 700 SECOND ST HENRY, IL 61537 |
* | $ 76,919,000 | 1 | $ 60,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 134,158,000 | 1 | $ 72,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 151,201,000 | 1 | $ 60,000 |
| Union Bank, Inc. P.O. BOX 810 HUNDRED, WV 26149 |
* | $ 122,776,000 | 1 | $ 117,000 |
| Rock Branch Community Bank PO BOX 219 NITRO, WV 25143 |
* | $ 51,648,000 | 1 | $ 75,000 |
| Centra Bank Inc (Wv) 990 ELMER PRINCE DRIVE MORGANTOWN, WV 26505 |
* | $ 662,096,000 | 1 | $ 150,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 19,937,022,000 | 1 | $ 87,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 1 | $ 50,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,112,383,000 | 1 | $ 130,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,464,820,000 | 1 | $ 67,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 28,740,902,000 | 1 | $ 245,000 |
The tables below break down 2007 mortgage applications in Nicholas 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 Nicholas County, WV in 2007
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 | 594 | $52,652,000 | $88,000 | $580,000 | $58,000 | $479,000 |
| Home Purchase | 469 | $34,402,000 | $73,000 | $353,000 | $53,000 | $686,000 |
| Home Improvement | 258 | $8,691,000 | $33,000 | $409,000 | $52,000 | $262,000 |
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 | 1,181 | $84,555,000 | $71,000 | $580,000 | $56,000 | $686,000 |
| Not Provided | 87 | $6,847,000 | $78,000 | $411,000 | $49,000 | $150,000 |
| Not applicable | 35 | $3,121,000 | $89,000 | $400,000 | $19,000 | $88,000 |
| American Indian or Alaskan Native | 8 | $659,000 | $82,000 | $150,000 | $37,000 | $70,000 |
| Hispanic | 5 | $244,000 | $48,000 | $98,000 | $51,000 | $72,000 |
| Asian | 2 | $61,000 | $30,000 | $39,000 | $78,000 | $132,000 |
| Black or African American | 2 | $159,000 | $79,000 | $106,000 | $62,000 | $89,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $99,000 | $99,000 | $99,000 | $80,000 | $80,000 |
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) | 1,247 | $89,143,000 | $71,000 | $580,000 | $55,000 | $479,000 |
| FHA-insured (Federal Housing Administration) | 57 | $5,180,000 | $90,000 | $160,000 | $61,000 | $686,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $941,000 | $72,000 | $126,000 | $28,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 4 | $481,000 | $120,000 | $169,000 | $41,000 | $49,000 |
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 | 665 | $43,898,000 | $66,000 | $576,000 | $60,000 | $686,000 |
| Application Denied By Financial Institution | 344 | $23,780,000 | $69,000 | $500,000 | $45,000 | $360,000 |
| Application Withdrawn By Applicant | 113 | $10,432,000 | $92,000 | $270,000 | $58,000 | $280,000 |
| Loan Purchased By The Institution | 95 | $8,946,000 | $94,000 | $270,000 | $47,000 | $237,000 |
| Application Approved But Not Accepted | 90 | $6,759,000 | $75,000 | $580,000 | $56,000 | $394,000 |
| File Closed For Incompleteness | 14 | $1,930,000 | $137,000 | $345,000 | $73,000 | $269,000 |
| 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 | 105 | $4,892,000 | $46,000 | $151,000 | $42,000 | $141,000 |
| Collateral | 39 | $4,982,000 | $127,000 | $411,000 | $66,000 | $350,000 |
| Debt-To-Income Ratio | 38 | $2,766,000 | $72,000 | $224,000 | $32,000 | $102,000 |
| Other | 14 | $622,000 | $44,000 | $168,000 | $42,000 | $125,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $816,000 | $62,000 | $112,000 | $41,000 | $75,000 |
| Credit Application Incomplete | 9 | $740,000 | $82,000 | $225,000 | $48,000 | $128,000 |
| Unverifiable Information | 3 | $211,000 | $70,000 | $112,000 | $37,000 | $63,000 |
| Employment History | 2 | $73,000 | $36,000 | $45,000 | $23,000 | $29,000 |
| 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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