Pendleton County, WV Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 192 mortgage applications in Pendleton County, WV totaling $20.3 million, down 28% from 2009. The average application was for $105,000, and applicants reported an average income of $66,000. 69% of applications resulted in an originated loan and 16% were denied. The most active lender was Pendleton Community Bank, with 79 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 | 192 |
| Total Mortgage Loan Application Amount | $20,279,000 |
| Average Mortgage Loan Application Amount | $105,000 |
| Highest Mortgage Loan Application Amount | $607,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $789,000 |
| 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 |
* | $ 242,411,000 | 79 | $ 7,661,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 1,570,384,000 | 25 | $ 1,998,000 |
| The Grant County Bank P. O. BOX 929 PETERSBURG, WV 26847 |
* | $ 247,687,000 | 11 | $ 878,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 6 | $ 860,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 6 | $ 850,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 6 | $ 595,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 5 | $ 724,000 |
| Fnb Bank, Inc 105 NORTH HIGH STREET ROMNEY, WV 26757 |
* | $ 136,879,000 | 5 | $ 566,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 4 | $ 308,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 4 | $ 378,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 4 | $ 139,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 4 | $ 588,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 731,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 3 | $ 290,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 2 | $ 271,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 2 | $ 258,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 51,111,245,000 | 1 | $ 44,000 |
| First Exchange Bank 11 W MAIN ST. WHITE HALL, WV 26554 |
* | $ 199,465,000 | 1 | $ 188,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 219,708,000 | 1 | $ 180,000 |
| Northwest Federal Credit Union 220 SPRING STREET HERNDON, VA 20170 |
* | $ 1,950,258,000 | 1 | $ 171,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 91,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 127,360,045,000 | 1 | $ 90,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,601,971,000 | 1 | $ 182,000 |
| First United Bank & Trust 19 S SECOND STREET OAKLAND, MD 21550 |
* | $ 1,736,891,000 | 1 | $ 273,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 144,000 |
| Mwabank 1701 1ST AVENUE ROCK ISLAND, IL 61201 |
* | $ 221,832,000 | 1 | $ 273,000 |
| First Home Mortgage 6211 GREENLEIGH AVENUE SUITE 300 BALTIMORE, MD 21220 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 1 | $ 92,000 |
| Tower Federal Credit Union 7901 SANDY SPRING ROAD LAUREL, MD 20707 |
* | $ 2,055,888,000 | 1 | $ 150,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 257,702,000 | 1 | $ 26,000 |
| Mvb Bank, Inc. 113 PLATINUM DRIVE SUITE H BRIDGEPORT, WV 26330 |
* | $ 352,444,000 | 1 | $ 145,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 276,676,000 | 1 | $ 91,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 477,531,000 | 1 | $ 117,000 |
The tables below break down 2010 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 2010
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 | 125 | $14,336,000 | $114,000 | $607,000 | $67,000 | $789,000 |
| Home Purchase | 52 | $5,351,000 | $102,000 | $273,000 | $66,000 | $323,000 |
| Home Improvement | 15 | $592,000 | $39,000 | $190,000 | $52,000 | $185,000 |
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 | 169 | $16,893,000 | $99,000 | $607,000 | $63,000 | $789,000 |
| Not Provided | 12 | $1,635,000 | $136,000 | $273,000 | $130,000 | $323,000 |
| Not applicable | 8 | $1,309,000 | $163,000 | $280,000 | $6,000 | $51,000 |
| American Indian or Alaskan Native | 2 | $370,000 | $185,000 | $210,000 | $144,000 | $148,000 |
| Black or African American | 1 | $72,000 | $72,000 | $72,000 | $26,000 | $26,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 177 | $18,152,000 | $102,000 | $607,000 | $68,000 | $789,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,669,000 | $185,000 | $304,000 | $41,000 | $148,000 |
| FHA-insured (Federal Housing Administration) | 3 | $265,000 | $88,000 | $91,000 | $57,000 | $74,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $193,000 | $64,000 | $81,000 | $21,000 | $32,000 |
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 | 133 | $13,900,000 | $104,000 | $607,000 | $70,000 | $789,000 |
| Application Denied By Financial Institution | 30 | $2,656,000 | $88,000 | $294,000 | $50,000 | $185,000 |
| Application Withdrawn By Applicant | 11 | $1,397,000 | $127,000 | $260,000 | $66,000 | $140,000 |
| Loan Purchased By The Institution | 10 | $1,280,000 | $128,000 | $165,000 | $30,000 | $74,000 |
| Application Approved But Not Accepted | 6 | $929,000 | $154,000 | $230,000 | $114,000 | $194,000 |
| File Closed For Incompleteness | 2 | $117,000 | $58,000 | $65,000 | $70,000 | $120,000 |
| 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 | 15 | $1,012,000 | $67,000 | $250,000 | $40,000 | $136,000 |
| Debt-To-Income Ratio | 7 | $722,000 | $103,000 | $273,000 | $38,000 | $60,000 |
| Collateral | 4 | $666,000 | $166,000 | $294,000 | $115,000 | $185,000 |
| Other | 3 | $245,000 | $81,000 | $100,000 | $48,000 | $79,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $11,000 | $11,000 | $11,000 | $34,000 | $34,000 |
| 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 |
| 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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