Pendleton County, WV Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 233 mortgage applications in Pendleton County, WV totaling $28.2 million, up 6% from 2011. The average application was for $120,000, and applicants reported an average income of $68,000. 55% of applications resulted in an originated loan and 21% were denied. The most active lender was Pendleton Community Bank, with 57 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 | 233 |
| Total Mortgage Loan Application Amount | $28,192,000 |
| Average Mortgage Loan Application Amount | $120,000 |
| Highest Mortgage Loan Application Amount | $500,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $534,000 |
| 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 |
* | $ 253,464,000 | 57 | $ 5,210,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 1,442,550,000 | 33 | $ 3,553,000 |
| The Grant County Bank P. O. BOX 929 PETERSBURG, WV 26847 |
* | $ 248,737,000 | 22 | $ 1,027,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 13 | $ 2,191,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 10 | $ 813,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 8 | $ 1,324,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 7 | $ 887,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 6 | $ 722,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 6 | $ 1,088,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 6 | $ 748,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 4 | $ 485,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 3 | $ 316,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 3 | $ 416,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 826,484,000 | 3 | $ 375,000 |
| Northwest Federal Credit Union 220 SPRING STREET HERNDON, VA 20170 |
* | $ 2,104,738,000 | 3 | $ 396,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 3 | $ 316,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 3 | $ 581,000 |
| First United Bank & Trust 19 S SECOND STREET OAKLAND, MD 21550 |
* | $ 1,383,068,000 | 2 | $ 262,000 |
| Fnb Bank, Inc 105 NORTH HIGH STREET ROMNEY, WV 26757 |
* | $ 155,524,000 | 2 | $ 200,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 163,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 2 | $ 384,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 351,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 422,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 294,000 |
| Bank Fund Staff Federal Credit 1725 I STREET NW SUITE 150 WASHINGTON, DC 20006 |
* | $ 3,321,287,000 | 2 | $ 820,000 |
| Apple Federal Credit Union 4029 RIDGE TOP RD FAIRFAX, VA 22030 |
* | $ 1,569,983,000 | 1 | $ 277,000 |
| First Peoples Cfcu 153 BALTIMORE STREET CUMBERLAND, MD 21502 |
* | $ 312,837,000 | 1 | $ 131,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 1 | $ 42,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 978,405,000 | 1 | $ 90,000 |
| Presidential Bank, FSB 4600 EAST WEST HIGHWAY, SUITE 400 BETHESDA, MD 20814 |
* | $ 548,388,000 | 1 | $ 88,000 |
| Farmers & Merchants Bank PO BOX 1111 TIMBERVILLE, VA 22853 |
* | $ 566,021,000 | 1 | $ 107,000 |
| Union Mortgage Group, Inc. 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 3,888,611,000 | 1 | $ 275,000 |
| Susquehanna Bank 1570 MANHEIM PIKE PO BOX 3300 LANCASTER, PA 17604 |
* | $ 14,849,006,000 | 1 | $ 225,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,056,671,000 | 1 | $ 64,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 252,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 114,540,379,000 | 1 | $ 131,000 |
| Townebank 5716 HIGH STREET WEST PORTSMOUTH, VA 23703 |
* | $ 4,081,771,000 | 1 | $ 116,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 98,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 78,000 |
| First Home Mortgage 6211 GREENLEIGH AVENUE SUITE 300 BALTIMORE, MD 21220 |
* | $ 10,000,000 | 1 | $ 260,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 54,183,383,000 | 1 | $ 24,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 410,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 1 | $ 252,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 302,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ 435,000,000 | 1 | $ 308,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 283,544,000 | 1 | $ 183,000 |
| West Virginia Central CU 1306 MURDOCH AVE PARKERSBURG, WV 26101 |
* | $ 93,202,000 | 1 | $ 55,000 |
The tables below break down 2012 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 2012
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 | 138 | $19,582,000 | $141,000 | $500,000 | $74,000 | $414,000 |
| Home Purchase | 73 | $7,403,000 | $101,000 | $308,000 | $64,000 | $534,000 |
| Home Improvement | 22 | $1,207,000 | $54,000 | $170,000 | $47,000 | $105,000 |
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 | 214 | $25,080,000 | $117,000 | $500,000 | $66,000 | $534,000 |
| Not Provided | 13 | $2,315,000 | $178,000 | $410,000 | $109,000 | $400,000 |
| Not applicable | 4 | $591,000 | $147,000 | $252,000 | $69,000 | $139,000 |
| American Indian or Alaskan Native | 1 | $139,000 | $139,000 | $139,000 | $51,000 | $51,000 |
| Black or African American | 1 | $67,000 | $67,000 | $67,000 | $0 | $0 |
| 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) | 204 | $24,683,000 | $120,000 | $500,000 | $73,000 | $534,000 |
| FHA-insured (Federal Housing Administration) | 19 | $2,270,000 | $119,000 | $192,000 | $41,000 | $83,000 |
| VA-guaranteed (Veterans Administration) | 6 | $820,000 | $136,000 | $176,000 | $23,000 | $66,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $419,000 | $104,000 | $131,000 | $39,000 | $50,000 |
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 | 127 | $13,224,000 | $104,000 | $410,000 | $66,000 | $534,000 |
| Application Denied By Financial Institution | 50 | $6,132,000 | $122,000 | $480,000 | $54,000 | $235,000 |
| Application Withdrawn By Applicant | 23 | $3,986,000 | $173,000 | $417,000 | $91,000 | $400,000 |
| Application Approved But Not Accepted | 19 | $2,304,000 | $121,000 | $500,000 | $60,000 | $156,000 |
| Loan Purchased By The Institution | 11 | $1,776,000 | $161,000 | $295,000 | $83,000 | $145,000 |
| File Closed For Incompleteness | 3 | $770,000 | $256,000 | $410,000 | $208,000 | $406,000 |
| 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 | 14 | $1,463,000 | $104,000 | $480,000 | $27,000 | $60,000 |
| Collateral | 14 | $2,078,000 | $148,000 | $329,000 | $73,000 | $182,000 |
| Debt-To-Income Ratio | 11 | $1,568,000 | $142,000 | $417,000 | $73,000 | $235,000 |
| Other | 4 | $325,000 | $81,000 | $111,000 | $40,000 | $55,000 |
| Employment History | 1 | $24,000 | $24,000 | $24,000 | $18,000 | $18,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $48,000 | $48,000 | $48,000 | $13,000 | $13,000 |
| 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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