Nicholas County, WV Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 548 mortgage applications in Nicholas County, WV totaling $80.6 million, up 11% from 2023. The average application was for $147,000, and applicants reported an average income of $99,000. 46% of applications resulted in an originated loan and 27% were denied. The most active lender was Truist Bank, with 50 applications, followed by First Community 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 | 548 |
| Total Mortgage Loan Application Amount | $80,590,000 |
| Average Mortgage Loan Application Amount | $147,000 |
| Highest Mortgage Loan Application Amount | $1,835,000 |
| Average Applicant Income | $99,000 |
| Highest Applicant Income | $3,023,000 |
* 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 |
|---|---|---|---|---|
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 50 | $ 6,460,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ n/a | 47 | $ 6,965,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 43 | $ 5,065,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 37 | $ 3,845,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 21 | $ 3,025,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ n/a | 20 | $ 3,890,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 19 | $ 2,845,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 17 | $ 2,945,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ n/a | 14 | $ 2,730,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ n/a | 12 | $ 1,210,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ n/a | 12 | $ 1,260,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 12 | $ 860,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 11 | $ 1,025,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 10 | $ 1,580,000 |
| Fayette County National Bank PO BOX 209 FAYETTEVILLE, WV 25840 |
* | $ n/a | 9 | $ 1,095,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 9 | $ 1,555,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 8 | $ 2,030,000 |
| Peoples Bank 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ n/a | 8 | $ 1,010,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 7 | $ 855,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 7 | $ 1,165,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 6 | $ 590,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 6 | $ 550,000 |
| First Reliance Bank 2170 W PALMETTO ST FLORENCE, SC 29501 |
* | $ n/a | 6 | $ 820,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 6 | $ 730,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 6 | $ 1,210,000 |
| Clay County Bank PO BOX 239 CLAY, WV 25125 |
* | $ n/a | 5 | $ 285,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 5 | $ 555,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 5 | $ 675,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ n/a | 5 | $ 455,000 |
| Burke & Herbert Bk & Tr Co 100 S. FAIRFAX ST ALEXANDRIA, VA 22315 |
* | $ n/a | 4 | $ 730,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 4 | $ 420,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 3 | $ 205,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 3 | $ 455,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 3 | $ 925,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 3 | $ 235,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 2 | $ 290,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 2 | $ 420,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 470,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 2 | $ 130,000 |
| Homexpress Mortgage Corp. 1936 E DEERE AVE SUITE 200 SANTA ANA, CA 92705 |
* | $ n/a | 2 | $ 400,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 120,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 2 | $ 260,000 |
| Bayer Hfcu 788 N STATE ROUTE 2 NEW MARTINSVILLE, WV 26155 |
* | $ n/a | 2 | $ 250,000 |
| T2 Financial LLC 480 OLDE WORTHINGTON RD SUITE 300 WESTERVILLE, OH 43082 |
* | $ n/a | 2 | $ 400,000 |
| The Mortgage Firm 921 DOUGLAS AVENUE, SUITE 200 ALTAMONTE SPRINGS, FL 32714 |
* | $ n/a | 1 | $ 105,000 |
| Integrity Home Mortgage Corporation 122 PILOT CIRCLE WINCHESTER, VA 22602 |
* | $ n/a | 1 | $ 295,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 1 | $ 85,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 115,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 1 | $ 175,000 |
| Lima One Capital, LLC 201 E. MCBEE AVE, SUITE 300 GREENVILLE, SC 29601 |
* | $ n/a | 1 | $ 335,000 |
| Clear Mountain Bank 160 MORGANTOWN STREET PO BOX 205 BRUCETON MILLS, WV 26525 |
* | $ n/a | 1 | $ 165,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 135,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 215,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 275,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ n/a | 1 | $ 285,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 165,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ n/a | 1 | $ 225,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ n/a | 1 | $ 115,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ n/a | 1 | $ 45,000 |
| Pendleton Community Bank 128 N MAIN ST FRANKLIN, WV 26807 |
* | $ n/a | 1 | $ 175,000 |
| Community Bank of Parkersburg 631 JULIANA ST PARKERSBURG, WV 26101 |
* | $ n/a | 1 | $ 365,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 205,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ n/a | 1 | $ 205,000 |
| The State Credit Union 2200 WASHINGTON STREET, EAST, CHARLESTON, WV 25311 |
* | $ n/a | 1 | $ 125,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 95,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 95,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 365,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ n/a | 1 | $ 305,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 1 | $ 185,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 175,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ n/a | 1 | $ 255,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 1 | $ 125,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 165,000 |
| Blue Ridge Bank P.O. BOX 609, 17 WEST MAIN ST LURAY, VA 22835 |
* | $ n/a | 1 | $ 125,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 245,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ n/a | 1 | $ 215,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 205,000 |
| Citizens Bank PO BOX 1900 ELIZABETHTON, TN 37644 |
* | $ n/a | 1 | $ 1,515,000 |
| Allegacy Federal Credit Union P O BOX 26043 WINSTON SALEM, NC 27114 |
* | $ n/a | 1 | $ 25,000 |
| Five Star Bank 2240 DOUGLAS BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 1,835,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 145,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 35,000 |
The tables below break down 2024 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 2024
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 | 344 | $56,140,000 | $163,000 | $605,000 | $101,000 | $3,023,000 |
| Cash-out Refinancing | 64 | $10,220,000 | $159,000 | $1,515,000 | $84,000 | $202,000 |
| Other Purpose | 50 | $4,220,000 | $84,000 | $505,000 | $102,000 | $572,000 |
| Home Improvement | 49 | $3,295,000 | $67,000 | $255,000 | $107,000 | $645,000 |
| Refinancing | 41 | $6,715,000 | $163,000 | $1,835,000 | $93,000 | $290,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 460 | $63,800,000 | $138,000 | $595,000 | $101,000 | $3,023,000 |
| Not Provided | 43 | $5,225,000 | $121,000 | $605,000 | $85,000 | $315,000 |
| Not applicable | 32 | $9,400,000 | $293,000 | $1,835,000 | $161,000 | $258,000 |
| Hispanic | 6 | $620,000 | $103,000 | $165,000 | $50,000 | $112,000 |
| American Indian or Alaskan Native | 4 | $570,000 | $142,000 | $365,000 | $89,000 | $150,000 |
| Asian | 3 | $975,000 | $325,000 | $505,000 | $77,000 | $141,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 401 | $55,595,000 | $138,000 | $1,835,000 | $108,000 | $3,023,000 |
| FHA-insured (Federal Housing Administration) | 86 | $14,180,000 | $164,000 | $505,000 | $68,000 | $159,000 |
| VA-guaranteed (Veterans Administration) | 43 | $8,695,000 | $202,000 | $415,000 | $83,000 | $288,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $2,120,000 | $117,000 | $245,000 | $49,000 | $80,000 |
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 | 251 | $39,385,000 | $156,000 | $1,515,000 | $112,000 | $3,023,000 |
| Application Denied By Financial Institution | 146 | $17,450,000 | $119,000 | $1,835,000 | $78,000 | $610,000 |
| Application Withdrawn By Applicant | 66 | $10,020,000 | $151,000 | $505,000 | $83,000 | $283,000 |
| File Closed For Incompleteness | 41 | $5,165,000 | $125,000 | $265,000 | $115,000 | $645,000 |
| Loan Purchased By The Institution | 27 | $5,025,000 | $186,000 | $505,000 | $135,000 | $258,000 |
| Application Approved But Not Accepted | 16 | $3,350,000 | $209,000 | $605,000 | $98,000 | $281,000 |
| Preapproval Approved but not Accepted | 1 | $195,000 | $195,000 | $195,000 | $84,000 | $84,000 |
| 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 | 391 | $60,885,000 | $155,000 | $605,000 | $107,000 | $3,023,000 |
| Credit History | 59 | $5,705,000 | $96,000 | $255,000 | $75,000 | $315,000 |
| Debt-To-Income Ratio | 48 | $8,420,000 | $175,000 | $1,835,000 | $79,000 | $240,000 |
| Collateral | 18 | $2,520,000 | $140,000 | $465,000 | $117,000 | $610,000 |
| Credit Application Incomplete | 14 | $1,230,000 | $87,000 | $155,000 | $74,000 | $196,000 |
| Unverifiable Information | 9 | $985,000 | $109,000 | $175,000 | $66,000 | $118,000 |
| Other | 5 | $485,000 | $97,000 | $205,000 | $79,000 | $125,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $265,000 | $88,000 | $115,000 | $47,000 | $61,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $95,000 | $95,000 |
| 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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