Nicholas County, WV Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 492 mortgage applications in Nicholas County, WV totaling $62.0 million, down 20% from 2022. The average application was for $125,000, and applicants reported an average income of $84,000. 45% of applications resulted in an originated loan and 24% were denied. The most active lender was First Community Bank, with 86 applications, followed by Truist Bank and Vanderbilt Mortgage and Finance, Inc.
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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 | 492 |
| Total Mortgage Loan Application Amount | $61,970,000 |
| Average Mortgage Loan Application Amount | $125,000 |
| Highest Mortgage Loan Application Amount | $725,000 |
| Average Applicant Income | $84,000 |
| Highest Applicant Income | $950,000 |
* 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 |
* | $ 3,112,618,000 | 86 | $ 9,940,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 63 | $ 5,945,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 42 | $ 4,300,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 23 | $ 2,725,000 |
| Fayette County National Bank PO BOX 209 FAYETTEVILLE, WV 25840 |
* | $ 143,807,000 | 16 | $ 1,150,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 14 | $ 1,670,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ 29,430,409,000 | 12 | $ 1,260,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 2,040,399,000 | 12 | $ 1,550,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 12 | $ 1,640,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 5,351,295,000 | 10 | $ 1,030,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ -1,000 | 10 | $ 1,630,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 5,832,156,000 | 8 | $ 790,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 7 | $ 1,045,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 7 | $ 1,275,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 7 | $ 425,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 6 | $ 790,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 6 | $ 820,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 5 | $ 865,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 5 | $ 595,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 4 | $ 520,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 4 | $ 360,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 3,890,541,000 | 4 | $ 560,000 |
| Clay County Bank PO BOX 239 CLAY, WV 25125 |
* | $ 117,184,000 | 4 | $ 410,000 |
| Peoples Bank 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 7,197,574,000 | 3 | $ 165,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 3 | $ 425,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 365,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 109,180,139,000 | 3 | $ 395,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 3 | $ 515,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 3 | $ 565,000 |
| Pendleton Community Bank 128 N MAIN ST FRANKLIN, WV 26807 |
* | $ 658,250,000 | 2 | $ 690,000 |
| Clear Mountain Bank 160 MORGANTOWN STREET PO BOX 205 BRUCETON MILLS, WV 26525 |
* | $ 880,734,000 | 2 | $ 170,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 2 | $ 110,000 |
| Schumacher Mortgage LLC 2715 WISE AVENUE SUITE 100 CANTON, OH 44708 |
* | $ -1,000 | 2 | $ 1,140,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 250,000 |
| Calhoun County Banks Inc 362 MAIN STREET GRANTSVILLE, WV 26147 |
* | $ 185,248,000 | 2 | $ 100,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 400,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 2 | $ 250,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 360,000 |
| Pioneer Community Bank PO BOX 368 IAEGER, WV 24844 |
* | $ 157,479,000 | 2 | $ 600,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ 495,448,000 | 2 | $ 180,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 2 | $ 80,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 2 | $ 260,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 350,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 540,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ -1,000 | 2 | $ 910,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 2 | $ 320,000 |
| Blue Ridge Bank P.O. BOX 609, 17 WEST MAIN ST LURAY, VA 22835 |
* | $ 3,098,582,000 | 2 | $ 380,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 55,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 1 | $ 185,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 4,973,142,000 | 1 | $ 45,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 325,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 325,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 1 | $ 165,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ 5,264,106,000 | 1 | $ 105,000 |
| First Bank and Trust Company PO BOX 1000 ABINGDON, VA 24212 |
* | $ 3,140,875,000 | 1 | $ 195,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 1 | $ 65,000 |
| Bayer Hfcu 788 N STATE ROUTE 2 NEW MARTINSVILLE, WV 26155 |
* | $ 699,502,000 | 1 | $ 155,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 16,995,485,000 | 1 | $ 215,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ -1,000 | 1 | $ 145,000 |
| Whitesville State Bank 38609 COAL RIVER ROAD WHITESVILLE, WV 25209 |
* | $ 125,241,000 | 1 | $ 245,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 200,262,969,000 | 1 | $ 125,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 16,894,686,000 | 1 | $ 45,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 115,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 155,000 |
| Kentucky Farmers Bank Corporation 6313 US RT 60 ASHLAND, KY 41102 |
* | $ 267,317,000 | 1 | $ 45,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 105,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 35,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 1 | $ 55,000 |
| Premier Bank 601 CLINTON STREET YOUNGSTOWN, OH 44503 |
* | $ 8,408,012,000 | 1 | $ 295,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 175,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 195,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 135,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 95,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 1 | $ 35,000 |
| Lima One Capital, LLC 201 E. MCBEE AVE, SUITE 300 GREENVILLE, SC 29601 |
* | $ -1,000 | 1 | $ 165,000 |
| First Reliance Bank 2170 W PALMETTO ST FLORENCE, SC 29501 |
* | $ 934,534,000 | 1 | $ 105,000 |
| Presidential Bank, FSB 4600 EAST WEST HIGHWAY, SUITE 400 BETHESDA, MD 20814 |
* | $ 800,304,000 | 1 | $ 575,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ 43,726,588,000 | 1 | $ 235,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 1 | $ 115,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 285,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,052,701,000 | 1 | $ 145,000 |
| Atlantic Union Bank 1051 EAST CARY STREET, SUITE 1200 GLEN ALLEN, VA 23060 |
* | $ 20,342,081,000 | 1 | $ 135,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 215,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 165,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 1 | $ 55,000 |
| Putnam County Bank P.O. BOX 308 HURRICANE, WV 25526 |
* | $ 634,206,000 | 1 | $ 665,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 145,000 |
The tables below break down 2023 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 2023
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 | 309 | $44,735,000 | $144,000 | $725,000 | $87,000 | $950,000 |
| Refinancing | 51 | $4,945,000 | $96,000 | $625,000 | $76,000 | $250,000 |
| Other Purpose | 50 | $4,120,000 | $82,000 | $205,000 | $77,000 | $199,000 |
| Cash-out Refinancing | 41 | $5,695,000 | $138,000 | $385,000 | $88,000 | $184,000 |
| Home Improvement | 37 | $2,175,000 | $58,000 | $205,000 | $79,000 | $230,000 |
| Not Applicable | 4 | $300,000 | $75,000 | $135,000 | $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 | 408 | $48,080,000 | $117,000 | $725,000 | $83,000 | $950,000 |
| Not applicable | 36 | $6,100,000 | $169,000 | $665,000 | $23,000 | $23,000 |
| Not Provided | 35 | $5,705,000 | $163,000 | $385,000 | $89,000 | $348,000 |
| American Indian or Alaskan Native | 7 | $665,000 | $95,000 | $135,000 | $77,000 | $155,000 |
| Asian | 4 | $850,000 | $212,000 | $235,000 | $269,000 | $316,000 |
| Hispanic | 2 | $570,000 | $285,000 | $485,000 | $48,000 | $96,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 374 | $45,360,000 | $121,000 | $725,000 | $87,000 | $950,000 |
| FHA-insured (Federal Housing Administration) | 68 | $9,400,000 | $138,000 | $385,000 | $70,000 | $184,000 |
| VA-guaranteed (Veterans Administration) | 36 | $5,860,000 | $162,000 | $355,000 | $93,000 | $174,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,350,000 | $96,000 | $165,000 | $50,000 | $84,000 |
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 | 222 | $30,840,000 | $138,000 | $725,000 | $87,000 | $610,000 |
| Application Denied By Financial Institution | 120 | $12,400,000 | $103,000 | $425,000 | $75,000 | $654,000 |
| Application Withdrawn By Applicant | 57 | $7,975,000 | $139,000 | $495,000 | $96,000 | $655,000 |
| File Closed For Incompleteness | 49 | $4,425,000 | $90,000 | $205,000 | $69,000 | $223,000 |
| Loan Purchased By The Institution | 29 | $4,455,000 | $153,000 | $475,000 | $40,000 | $77,000 |
| Application Approved But Not Accepted | 15 | $1,875,000 | $125,000 | $255,000 | $136,000 | $950,000 |
| 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 | 361 | $47,495,000 | $131,000 | $725,000 | $84,000 | $655,000 |
| Credit History | 46 | $3,480,000 | $75,000 | $415,000 | $83,000 | $654,000 |
| Debt-To-Income Ratio | 32 | $5,110,000 | $159,000 | $665,000 | $103,000 | $950,000 |
| Collateral | 22 | $2,560,000 | $116,000 | $425,000 | $89,000 | $184,000 |
| Credit Application Incomplete | 10 | $1,150,000 | $115,000 | $205,000 | $57,000 | $89,000 |
| Unverifiable Information | 8 | $1,030,000 | $128,000 | $285,000 | $82,000 | $171,000 |
| Other | 7 | $655,000 | $93,000 | $195,000 | $56,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $280,000 | $70,000 | $95,000 | $74,000 | $128,000 |
| Employment History | 2 | $210,000 | $105,000 | $135,000 | $50,000 | $65,000 |
| 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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