Nicholas County, WV Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 674 mortgage applications in Nicholas County, WV totaling $61.4 million, up 2% from 2015. The average application was for $91,000, and applicants reported an average income of $54,000. 47% of applications resulted in an originated loan and 30% were denied. The most active lender was First Community Bank, with 108 applications, followed by Truist Bank and 21st Mortgage.
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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 | 674 |
| Total Mortgage Loan Application Amount | $61,361,000 |
| Average Mortgage Loan Application Amount | $91,000 |
| Highest Mortgage Loan Application Amount | $904,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $720,000 |
* 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 |
|---|---|---|---|---|
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 2,440,265,000 | 108 | $ 11,748,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 107 | $ 7,093,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 86 | $ 4,254,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 28 | $ 1,609,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 5,346,724,000 | 26 | $ 2,758,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,881,833,000 | 25 | $ 1,383,000 |
| Premier Bank, Inc. 601 WASHINGTON STREET RAVENSWOOD, WV 26164 |
* | $ 849,582,000 | 22 | $ 1,571,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 21 | $ 3,048,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 70,879,778,000 | 18 | $ 1,818,000 |
| Fayette County National Bank PO BOX 209 FAYETTEVILLE, WV 25840 |
* | $ 93,846,000 | 14 | $ 1,062,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 3,696,846,000 | 12 | $ 1,418,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 10 | $ 1,091,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 10 | $ 1,778,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 4,654,173,000 | 8 | $ 310,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 7 | $ 743,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 7 | $ 894,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 7 | $ 917,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 6 | $ 535,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ 12,167,000 | 5 | $ 421,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 234,265,000 | 5 | $ 484,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 5 | $ 725,000 |
| Bank of Mount Hope, Inc. 602 MAIN STREET MOUNT HOPE, WV 25880 |
* | $ 131,027,000 | 4 | $ 364,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 579,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 4 | $ 277,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 4 | $ 414,000 |
| Clay County Bank PO BOX 239 CLAY, WV 25125 |
* | $ 82,638,000 | 4 | $ 269,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 544,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 3 | $ 39,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 3 | $ 230,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 3 | $ 84,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 330,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 2 | $ 101,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ 710,000 | 2 | $ 162,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 11,567,246,000 | 2 | $ 201,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 2 | $ 395,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 2 | $ 348,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 138,620,635,000 | 2 | $ 95,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 2 | $ 136,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 2 | $ 123,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 200,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,128,427,000 | 2 | $ 112,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 2 | $ 9,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 451,930,000 | 2 | $ 242,000 |
| Benchmark Bank 461 BEECHER ROAD GAHANNA, OH 43230 |
* | $ 122,305,000 | 2 | $ 745,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 2 | $ 195,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 1 | $ 235,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 1 | $ 181,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ 206,674,000 | 1 | $ 400,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 947,219,000 | 1 | $ 100,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,764,654,000 | 1 | $ 152,000 |
| Peoples Federal Credit Union 419 FIRST AVENUE SOUTH NITRO, WV 25143 |
* | $ 87,653,000 | 1 | $ 56,000 |
| Pioneer Community Bank, Inc. 822 ROBERT C BYRD DR SOPHIA, WV 25921 |
* | $ 119,075,000 | 1 | $ 95,000 |
| Star USA Federal Credit Union ONE CANTLEY DRIVE CHARLESTON, WV 25314 |
* | $ 157,369,000 | 1 | $ 208,000 |
| Pioneer Appalachia Federal Credit Union 1316 KANAWHA BLVD., E. CHARLESTON, WV 25301 |
* | $ 196,055,000 | 1 | $ 68,000 |
| Northwest Federal Credit Union 220 SPRING STREET HERNDON, VA 20170 |
* | $ 3,093,779,000 | 1 | $ 112,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 31,373,540,000 | 1 | $ 46,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 122,099,687,000 | 1 | $ 66,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 290,000 |
| The State Credit Union 2200 WASHINGTON STREET, EAST, CHARLESTON, WV 25311 |
* | $ 61,734,000 | 1 | $ 88,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 100,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 1 | $ 160,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 177,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,397,488,000 | 1 | $ 70,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 284,507,000 | 1 | $ 230,000 |
| Potomac Mortgage Group, Inc. 4035 RIDGE TOP ROAD, SUITE 100 FAIRFAX, VA 22030 |
* | $ 15,000,000 | 1 | $ 185,000 |
| Affinity Federal Credit Union 73 MOUNTAINVIEW BLVD. BASKING RIDGE, NJ 07920 |
* | $ 2,401,537,000 | 1 | $ 120,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 206,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 1 | $ 235,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 71,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 499,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 42,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ 327,887,000 | 1 | $ 417,000 |
| The Grant County Bank P. O. BOX 929 PETERSBURG, WV 26847 |
* | $ 248,200,000 | 1 | $ 31,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 1,485,192,000 | 1 | $ 24,000 |
| Mvb Bank, Inc. 113 PLATINUM DRIVE SUITE H BRIDGEPORT, WV 26330 |
* | $ 1,380,191,000 | 1 | $ 185,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 822,669,000 | 1 | $ 46,000 |
The tables below break down 2016 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 2016
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 | 335 | $29,365,000 | $87,000 | $550,000 | $50,000 | $410,000 |
| Refinancing | 231 | $28,205,000 | $122,000 | $904,000 | $59,000 | $330,000 |
| Home Improvement | 108 | $3,791,000 | $35,000 | $400,000 | $57,000 | $720,000 |
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 | 593 | $51,745,000 | $87,000 | $499,000 | $56,000 | $720,000 |
| Not Provided | 37 | $3,118,000 | $84,000 | $257,000 | $64,000 | $330,000 |
| Not applicable | 36 | $5,676,000 | $157,000 | $904,000 | $10,000 | $123,000 |
| Hispanic | 5 | $505,000 | $101,000 | $256,000 | $66,000 | $206,000 |
| Asian | 2 | $294,000 | $147,000 | $147,000 | $217,000 | $282,000 |
| American Indian or Alaskan Native | 1 | $23,000 | $23,000 | $23,000 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin 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) | 525 | $42,800,000 | $81,000 | $904,000 | $56,000 | $720,000 |
| FHA-insured (Federal Housing Administration) | 74 | $7,560,000 | $102,000 | $270,000 | $50,000 | $177,000 |
| VA-guaranteed (Veterans Administration) | 57 | $9,338,000 | $163,000 | $499,000 | $52,000 | $129,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $1,663,000 | $92,000 | $154,000 | $26,000 | $66,000 |
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 | 318 | $30,466,000 | $95,000 | $904,000 | $61,000 | $720,000 |
| Application Denied By Financial Institution | 200 | $14,638,000 | $73,000 | $499,000 | $49,000 | $410,000 |
| File Closed For Incompleteness | 60 | $5,165,000 | $86,000 | $370,000 | $47,000 | $154,000 |
| Application Withdrawn By Applicant | 44 | $4,633,000 | $105,000 | $375,000 | $61,000 | $212,000 |
| Loan Purchased By The Institution | 33 | $3,855,000 | $116,000 | $290,000 | $25,000 | $123,000 |
| Application Approved But Not Accepted | 19 | $2,604,000 | $137,000 | $550,000 | $66,000 | $177,000 |
| 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 | 51 | $2,250,000 | $44,000 | $188,000 | $39,000 | $224,000 |
| Debt-To-Income Ratio | 26 | $1,752,000 | $67,000 | $256,000 | $43,000 | $152,000 |
| Collateral | 25 | $2,541,000 | $101,000 | $449,000 | $82,000 | $410,000 |
| Credit Application Incomplete | 6 | $626,000 | $104,000 | $204,000 | $37,000 | $67,000 |
| Other | 3 | $231,000 | $77,000 | $206,000 | $55,000 | $109,000 |
| Unverifiable Information | 3 | $551,000 | $183,000 | $417,000 | $105,000 | $206,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $51,000 | $51,000 | $51,000 | $76,000 | $76,000 |
| 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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