Pendleton County, WV Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 220 mortgage applications in Pendleton County, WV totaling $21.6 million, up 15% from 2010. The average application was for $98,000, and applicants reported an average income of $59,000. 60% of applications resulted in an originated loan and 15% were denied. The most active lender was Pendleton Community Bank, with 89 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 | 220 |
| Total Mortgage Loan Application Amount | $21,610,000 |
| Average Mortgage Loan Application Amount | $98,000 |
| Highest Mortgage Loan Application Amount | $474,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $406,000 |
| 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 |
* | $ 249,270,000 | 89 | $ 6,072,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 1,469,920,000 | 27 | $ 2,930,000 |
| The Grant County Bank P. O. BOX 929 PETERSBURG, WV 26847 |
* | $ 244,225,000 | 13 | $ 1,095,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 9 | $ 1,107,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 8 | $ 885,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 7 | $ 950,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 5 | $ 657,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 5 | $ 500,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 662,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 3 | $ 292,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 3 | $ 644,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 3 | $ 213,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 3 | $ 422,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 3 | $ 481,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 52,799,993,000 | 2 | $ 69,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 271,000 |
| Farmers & Merchants Bank PO BOX 1111 TIMBERVILLE, VA 22853 |
* | $ 535,507,000 | 2 | $ 92,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 2 | $ 215,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 2 | $ 368,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 2 | $ 144,000 |
| Commonwealth One Federal Credit Union 4875 EISENHOWER AVE ALEXANDRIA, VA 22304 |
* | $ 289,485,000 | 1 | $ 132,000 |
| Bank Fund Staff Federal Credit 1725 I STREET NW SUITE 150 WASHINGTON, DC 20006 |
* | $ 3,057,208,000 | 1 | $ 265,000 |
| Tower Federal Credit Union 7901 SANDY SPRING ROAD LAUREL, MD 20707 |
* | $ 2,240,280,000 | 1 | $ 117,000 |
| Park View Federal Credit Union 1675 VIRGINIA AVENUE HARRISONBURG, VA 22802 |
* | $ 98,988,000 | 1 | $ 91,000 |
| Centra Bank Inc (Wv) 990 ELMER PRINCE DRIVE MORGANTOWN, WV 26505 |
* | $ 1,373,401,000 | 1 | $ 154,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 183,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 255,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 216,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 141,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,104,501,000 | 1 | $ 88,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 128,000 |
| Allquest Home Mortgage Corpora 6110 PINEMONT DR, STE 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 164,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 203,000 |
| Independence Bank of Kentucky 2425 FREDERICA STREET OWENSBORO, KY 42301 |
* | $ 990,285,000 | 1 | $ 88,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 457,501,000 | 1 | $ 176,000 |
| Community Bank 38 N. CENTRAL AVE., PO BOX 1209 STAUNTON, VA 24401 |
* | $ 529,621,000 | 1 | $ 6,000 |
| Cit Bank, National Association 75 N. FAIR OAKS AVE. PASADENA, CA 91103 |
* | $ 26,432,928,000 | 1 | $ 50,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 120,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 203,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 1 | $ 162,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 1 | $ 106,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 1 | $ 45,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 1 | $ 200,000 |
The tables below break down 2011 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 2011
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 | 120 | $13,346,000 | $111,000 | $442,000 | $61,000 | $406,000 |
| Home Purchase | 70 | $7,383,000 | $105,000 | $474,000 | $62,000 | $280,000 |
| Home Improvement | 30 | $881,000 | $29,000 | $158,000 | $49,000 | $127,000 |
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 | 198 | $19,222,000 | $97,000 | $474,000 | $58,000 | $406,000 |
| Not Provided | 9 | $1,020,000 | $113,000 | $255,000 | $131,000 | $360,000 |
| Not applicable | 8 | $1,025,000 | $128,000 | $203,000 | $25,000 | $137,000 |
| American Indian or Alaskan Native | 2 | $249,000 | $124,000 | $216,000 | $12,000 | $24,000 |
| Black or African American | 2 | $82,000 | $41,000 | $43,000 | $64,000 | $72,000 |
| Hispanic | 1 | $12,000 | $12,000 | $12,000 | $104,000 | $104,000 |
| 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) | 200 | $19,319,000 | $96,000 | $474,000 | $61,000 | $406,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,183,000 | $147,000 | $255,000 | $51,000 | $119,000 |
| FHA-insured (Federal Housing Administration) | 6 | $424,000 | $70,000 | $119,000 | $23,000 | $60,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $684,000 | $114,000 | $148,000 | $42,000 | $63,000 |
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 | 131 | $13,063,000 | $99,000 | $474,000 | $66,000 | $406,000 |
| Application Denied By Financial Institution | 33 | $2,455,000 | $74,000 | $255,000 | $55,000 | $360,000 |
| Application Withdrawn By Applicant | 25 | $2,932,000 | $117,000 | $260,000 | $53,000 | $230,000 |
| Loan Purchased By The Institution | 18 | $2,204,000 | $122,000 | $203,000 | $33,000 | $137,000 |
| Application Approved But Not Accepted | 11 | $678,000 | $61,000 | $129,000 | $51,000 | $142,000 |
| File Closed For Incompleteness | 2 | $278,000 | $139,000 | $155,000 | $69,000 | $86,000 |
| 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 | 19 | $1,311,000 | $69,000 | $255,000 | $65,000 | $360,000 |
| Debt-To-Income Ratio | 6 | $416,000 | $69,000 | $183,000 | $31,000 | $60,000 |
| Collateral | 3 | $306,000 | $102,000 | $174,000 | $47,000 | $71,000 |
| Employment History | 1 | $32,000 | $32,000 | $32,000 | $23,000 | $23,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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