Pendleton County, WV Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 285 mortgage applications in Pendleton County, WV totaling $28.3 million, down 20% from 2007. The average application was for $99,000, and applicants reported an average income of $58,000. 67% of applications resulted in an originated loan and 20% were denied. The most active lender was Pendleton Community Bank, with 110 applications, followed by Summit Community Bank, Inc and The Grant County Bank.
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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 | 285 |
| Total Mortgage Loan Application Amount | $28,273,000 |
| Average Mortgage Loan Application Amount | $99,000 |
| Highest Mortgage Loan Application Amount | $503,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $360,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Pendleton Community Bank 128 N MAIN ST FRANKLIN, WV 26807 |
* | $ 193,779,000 | 110 | $ 9,627,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 1,418,607,000 | 39 | $ 3,940,000 |
| The Grant County Bank P. O. BOX 929 PETERSBURG, WV 26847 |
* | $ 240,728,000 | 37 | $ 3,097,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 13 | $ 1,164,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 11 | $ 945,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 9 | $ 1,267,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 127,698,351,000 | 8 | $ 792,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 7 | $ 912,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 33,011,920,000 | 6 | $ 794,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 3 | $ 109,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 3 | $ 302,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 416,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 465,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 2 | $ 255,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 56,294,475,000 | 2 | $ 341,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 2 | $ 277,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 2 | $ 131,000 |
| The First National Bank of Gre P.O. BOX 8, 40 CENTER SQUARE GREENCASTLE, PA 17225 |
* | $ 533,561,000 | 1 | $ 400,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 77,748,330,000 | 1 | $ 69,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 962,672,000 | 1 | $ 221,000 |
| Capon Valley Bank 2 W MAIN ST, PO BOX 119 WARDENSVILLE, WV 26851 |
* | $ 139,841,000 | 1 | $ 18,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ 4,079,556,000 | 1 | $ 104,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 4,255,983,000 | 1 | $ 450,000 |
| Southern Trust Mortgage LLC 4433 CORPORATION LANE, SUITE 300 VIRGINIA BEACH, VA 23462 |
* | $ 11,000,000 | 1 | $ 307,000 |
| First United Bank & Trust 19 S SECOND STREET OAKLAND, MD 21550 |
* | $ 1,463,163,000 | 1 | $ 4,000 |
| First Exchange Bank 11 W MAIN ST. WHITE HALL, WV 26554 |
* | $ 166,086,000 | 1 | $ 222,000 |
| Security Bank 510 E. MONROE ST SPRINGFIELD, IL 62701 |
* | $ 176,011,000 | 1 | $ 34,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 1 | $ 36,000 |
| Member Advantage Mortgage LLC 6090 FULTON ST E SUITE F ADA, MI 49301 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 55,000 |
| All State Home Mortgage 26250 EUCLID AVE #901 EUCLID, OH 44132 |
* | $ 4,148,000 | 1 | $ 50,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 145,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 37,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 53,000 |
| Prosperity Mortgage Company 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 1 | $ 102,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 140,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 140,000 |
| George Mason Mortgage LLC 4100 MONUMENT CORNER DRIVE #100 FAIRFAX, VA 22030 |
* | $ 630,414,000 | 1 | $ 150,000 |
| Community Bank 38 N. CENTRAL AVE., PO BOX 1209 STAUNTON, VA 24401 |
* | $ 494,842,000 | 1 | $ 6,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 1 | $ 66,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 266,672,000 | 1 | $ 254,000 |
The tables below break down 2008 mortgage applications in Pendleton 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 Pendleton County, WV in 2008
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 | 186 | $19,282,000 | $103,000 | $503,000 | $54,000 | $251,000 |
| Home Purchase | 69 | $7,461,000 | $108,000 | $450,000 | $68,000 | $360,000 |
| Home Improvement | 30 | $1,530,000 | $51,000 | $198,000 | $62,000 | $205,000 |
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 | 247 | $24,096,000 | $97,000 | $503,000 | $59,000 | $360,000 |
| Not Provided | 24 | $2,299,000 | $95,000 | $280,000 | $55,000 | $160,000 |
| Not applicable | 5 | $764,000 | $152,000 | $246,000 | $41,000 | $148,000 |
| Hispanic | 4 | $515,000 | $128,000 | $206,000 | $29,000 | $60,000 |
| Black or African American | 3 | $170,000 | $56,000 | $66,000 | $46,000 | $58,000 |
| American Indian or Alaskan Native | 2 | $429,000 | $214,000 | $235,000 | $98,000 | $139,000 |
| Asian | 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) | 272 | $25,923,000 | $95,000 | $450,000 | $57,000 | $360,000 |
| FHA-insured (Federal Housing Administration) | 8 | $1,271,000 | $158,000 | $503,000 | $53,000 | $214,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,079,000 | $215,000 | $307,000 | $103,000 | $139,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 191 | $18,719,000 | $98,000 | $503,000 | $60,000 | $360,000 |
| Application Denied By Financial Institution | 56 | $4,956,000 | $88,000 | $285,000 | $49,000 | $205,000 |
| Application Withdrawn By Applicant | 20 | $2,439,000 | $121,000 | $280,000 | $67,000 | $161,000 |
| Application Approved But Not Accepted | 10 | $834,000 | $83,000 | $206,000 | $42,000 | $63,000 |
| Loan Purchased By The Institution | 8 | $1,325,000 | $165,000 | $306,000 | $65,000 | $148,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 14 | $1,113,000 | $79,000 | $235,000 | $65,000 | $153,000 |
| Debt-To-Income Ratio | 9 | $1,063,000 | $118,000 | $254,000 | $44,000 | $93,000 |
| Collateral | 8 | $655,000 | $81,000 | $156,000 | $38,000 | $61,000 |
| Other | 3 | $596,000 | $198,000 | $285,000 | $36,000 | $74,000 |
| Employment History | 1 | $42,000 | $42,000 | $42,000 | $25,000 | $25,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $70,000 | $70,000 | $70,000 | $39,000 | $39,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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