Nicholas County, WV Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 593 mortgage applications in Nicholas County, WV totaling $62.6 million, up 1% from 2018. The average application was for $105,000, and applicants reported an average income of $76,000. 51% of applications resulted in an originated loan and 27% were denied. The most active lender was First Community Bank, with 140 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 | 593 |
| Total Mortgage Loan Application Amount | $62,635,000 |
| Average Mortgage Loan Application Amount | $105,000 |
| Highest Mortgage Loan Application Amount | $495,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $1,658,000 |
* 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 |
* | $ 2,236,658,000 | 140 | $ 14,480,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 71 | $ 6,255,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 35 | $ 2,025,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 23 | $ 2,185,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 108,672,320,000 | 21 | $ 2,295,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 4,179,535,000 | 21 | $ 1,785,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ 19,247,276,000 | 20 | $ 2,740,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 14 | $ 1,460,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 4,835,856,000 | 13 | $ 1,825,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 13 | $ 1,225,000 |
| Premier Bank, Inc. 601 WASHINGTON STREET RAVENSWOOD, WV 26164 |
* | $ 1,239,307,000 | 13 | $ 1,865,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 11 | $ 1,105,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 9 | $ 385,000 |
| Clay County Bank PO BOX 239 CLAY, WV 25125 |
* | $ 94,907,000 | 9 | $ 1,235,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 8 | $ 640,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 7 | $ 1,125,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 7 | $ 1,165,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 6 | $ 750,000 |
| Fayette County National Bank PO BOX 209 FAYETTEVILLE, WV 25840 |
* | $ 88,210,000 | 6 | $ 320,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 2,192,939,000 | 6 | $ 560,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 5 | $ 585,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ -1,000 | 4 | $ 380,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 780,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 4 | $ 640,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,500,928,000 | 4 | $ 640,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 4 | $ 250,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,060,792,000 | 3 | $ 235,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 3 | $ 435,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 3 | $ 385,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 455,000 |
| Pendleton Community Bank 128 N MAIN ST FRANKLIN, WV 26807 |
* | $ 307,536,000 | 3 | $ 435,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 2 | $ 180,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 2 | $ 140,000 |
| McNb Bank and Trust Co 75 WYOMING ST WELCH, WV 24801 |
* | $ 294,188,000 | 2 | $ 370,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ -1,000 | 2 | $ 360,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 120,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 350,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 2 | $ 60,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 2 | $ 370,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 2 | $ 230,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,933,790,000 | 2 | $ 110,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 220,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ -1,000 | 2 | $ 230,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 75,000 |
| Pioneer Community Bank, Inc. 822 ROBERT C BYRD DR SOPHIA, WV 25921 |
* | $ 110,985,000 | 1 | $ 65,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 175,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 265,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 75,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 159,291,000,000 | 1 | $ 75,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,811,622,000 | 1 | $ 235,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 175,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 65,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ 372,430,000 | 1 | $ 145,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 395,677,000 | 1 | $ 65,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ -1,000 | 1 | $ 135,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 5,133,339,000 | 1 | $ 235,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 1 | $ 145,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 268,405,000 | 1 | $ 145,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 312,093,000 | 1 | $ 65,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 4,426,972,000 | 1 | $ 75,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 1 | $ 115,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 105,000 |
| Peoples Bank PO BOX 7 MENDENHALL, MS 39114 |
* | $ 297,303,000 | 1 | $ 175,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 155,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 1,279,654,000 | 1 | $ 75,000 |
| Star USA Federal Credit Union ONE CANTLEY DRIVE CHARLESTON, WV 25314 |
* | $ 156,505,000 | 1 | $ 105,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 1 | $ 125,000 |
| Pioneer Appalachia Federal Credit Union 1316 KANAWHA BLVD., E. CHARLESTON, WV 25301 |
* | $ 189,954,000 | 1 | $ 135,000 |
| State Employees Credit Union of MD 971 CORPORATE BLVD LINTHICUM, MD 21090 |
* | $ 3,642,602,000 | 1 | $ 15,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 144,453,358,000 | 1 | $ 155,000 |
| Whitesville State Bank 38609 COAL RIVER ROAD WHITESVILLE, WV 25209 |
* | $ 101,764,000 | 1 | $ 155,000 |
| New Peoples Bank, Inc PO BOX 1810 HONAKER, VA 24260 |
* | $ 680,984,000 | 1 | $ 115,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 1 | $ 195,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 1 | $ 155,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ 33,026,384,000 | 1 | $ 55,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 1 | $ 105,000 |
| Home Savings Bank 275 W FEDERAL ST YOUNGSTOWN, OH 44503 |
* | $ 2,801,504,000 | 1 | $ 65,000 |
The tables below break down 2019 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 2019
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 | 310 | $34,340,000 | $110,000 | $425,000 | $81,000 | $1,658,000 |
| Cash-out Refinancing | 104 | $12,650,000 | $121,000 | $385,000 | $64,000 | $140,000 |
| Refinancing | 81 | $9,575,000 | $118,000 | $495,000 | $79,000 | $246,000 |
| Home Improvement | 48 | $2,840,000 | $59,000 | $485,000 | $80,000 | $380,000 |
| Other Purpose | 46 | $2,800,000 | $60,000 | $205,000 | $62,000 | $232,000 |
| Not Applicable | 4 | $430,000 | $107,000 | $145,000 | $0 | $0 |
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 | 506 | $52,260,000 | $103,000 | $495,000 | $75,000 | $1,658,000 |
| Not Provided | 50 | $6,390,000 | $127,000 | $335,000 | $73,000 | $200,000 |
| Not applicable | 27 | $3,065,000 | $113,000 | $235,000 | $110,000 | $200,000 |
| Black or African American | 4 | $440,000 | $110,000 | $215,000 | $141,000 | $442,000 |
| Hispanic | 3 | $235,000 | $78,000 | $145,000 | $67,000 | $70,000 |
| American Indian or Alaskan Native | 1 | $95,000 | $95,000 | $95,000 | $55,000 | $55,000 |
| Asian | 1 | $65,000 | $65,000 | $65,000 | $54,000 | $54,000 |
| 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) | 466 | $47,040,000 | $100,000 | $495,000 | $80,000 | $1,658,000 |
| FHA-insured (Federal Housing Administration) | 63 | $6,855,000 | $108,000 | $235,000 | $56,000 | $140,000 |
| VA-guaranteed (Veterans Administration) | 49 | $7,325,000 | $149,000 | $265,000 | $63,000 | $153,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,415,000 | $94,000 | $175,000 | $37,000 | $65,000 |
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 | 305 | $33,975,000 | $111,000 | $495,000 | $87,000 | $1,658,000 |
| Application Denied By Financial Institution | 159 | $14,525,000 | $91,000 | $435,000 | $58,000 | $205,000 |
| Application Withdrawn By Applicant | 47 | $5,675,000 | $120,000 | $265,000 | $73,000 | $247,000 |
| File Closed For Incompleteness | 37 | $3,755,000 | $101,000 | $245,000 | $72,000 | $247,000 |
| Application Approved But Not Accepted | 25 | $2,125,000 | $85,000 | $355,000 | $62,000 | $144,000 |
| Loan Purchased By The Institution | 20 | $2,580,000 | $129,000 | $235,000 | $91,000 | $200,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 407 | $44,075,000 | $108,000 | $405,000 | $80,000 | $1,658,000 |
| Debt-To-Income Ratio | 62 | $7,220,000 | $116,000 | $495,000 | $77,000 | $380,000 |
| Credit History | 57 | $4,755,000 | $83,000 | $265,000 | $57,000 | $205,000 |
| Collateral | 31 | $3,155,000 | $101,000 | $435,000 | $64,000 | $160,000 |
| Other | 10 | $840,000 | $84,000 | $185,000 | $66,000 | $125,000 |
| Unverifiable Information | 10 | $700,000 | $70,000 | $135,000 | $51,000 | $104,000 |
| Credit Application Incomplete | 7 | $895,000 | $127,000 | $385,000 | $77,000 | $115,000 |
| Employment History | 4 | $450,000 | $112,000 | $215,000 | $63,000 | $88,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $460,000 | $115,000 | $185,000 | $77,000 | $156,000 |
| Mortgage Insurance Denied | 1 | $85,000 | $85,000 | $85,000 | $58,000 | $58,000 |
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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