Pendleton County, WV Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 169 mortgage applications in Pendleton County, WV totaling $14.3 million, down 27% from 2013. The average application was for $84,000, and applicants reported an average income of $51,000. 54% of applications resulted in an originated loan and 28% were denied. The most active lender was Pendleton Community Bank, with 43 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 | 169 |
| Total Mortgage Loan Application Amount | $14,283,000 |
| Average Mortgage Loan Application Amount | $84,000 |
| Highest Mortgage Loan Application Amount | $327,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $170,000 |
| 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 |
* | $ 262,233,000 | 43 | $ 2,769,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 1,378,967,000 | 29 | $ 2,532,000 |
| The Grant County Bank P. O. BOX 929 PETERSBURG, WV 26847 |
* | $ 235,700,000 | 15 | $ 927,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 8 | $ 628,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 6 | $ 579,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 5 | $ 430,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 4 | $ 469,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 4 | $ 441,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 4 | $ 388,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 3,347,202,000 | 4 | $ 139,000 |
| First and Citizens Bank P.O. BOX 529 MONTEREY, VA 24465 |
* | $ 125,038,000 | 3 | $ 183,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 3 | $ 244,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 3 | $ 252,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 293,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 2 | $ 285,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 2 | $ 253,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 109,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 138,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ 189,567,000 | 1 | $ 177,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 5,081,543,000 | 1 | $ 180,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ 710,000 | 1 | $ 91,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 94,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 1 | $ 105,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 1 | $ 182,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 16,840,840,000 | 1 | $ 52,000 |
| Capon Valley Bank 2 W MAIN ST, PO BOX 119 WARDENSVILLE, WV 26851 |
* | $ 146,991,000 | 1 | $ 60,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 59,304,805,000 | 1 | $ 5,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 238,482,903,000 | 1 | $ 77,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 1 | $ 53,000 |
| The Bank of Romney 95 E MAIN STREET ROMNEY, WV 26757 |
* | $ 249,747,000 | 1 | $ 180,000 |
| State Employees Credit Union of MD 971 CORPORATE BLVD LINTHICUM, MD 21090 |
* | $ 2,687,168,000 | 1 | $ 109,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 187,084,000 | 1 | $ 69,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 1 | $ 115,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 1 | $ 5,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 1 | $ 147,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 182,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 114,000 |
The tables below break down 2014 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 2014
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 | 84 | $8,426,000 | $100,000 | $327,000 | $51,000 | $170,000 |
| Home Purchase | 62 | $5,070,000 | $81,000 | $196,000 | $51,000 | $155,000 |
| Home Improvement | 23 | $787,000 | $34,000 | $141,000 | $48,000 | $128,000 |
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 | 150 | $11,913,000 | $79,000 | $203,000 | $50,000 | $170,000 |
| Not Provided | 11 | $1,189,000 | $108,000 | $269,000 | $74,000 | $148,000 |
| Not applicable | 4 | $853,000 | $213,000 | $327,000 | $34,000 | $137,000 |
| Black or African American | 4 | $328,000 | $82,000 | $115,000 | $40,000 | $81,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 146 | $11,900,000 | $81,000 | $327,000 | $51,000 | $170,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,124,000 | $102,000 | $196,000 | $46,000 | $96,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,042,000 | $115,000 | $143,000 | $57,000 | $103,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $217,000 | $72,000 | $92,000 | $17,000 | $28,000 |
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 | 92 | $7,769,000 | $84,000 | $327,000 | $51,000 | $151,000 |
| Application Denied By Financial Institution | 47 | $3,856,000 | $82,000 | $269,000 | $51,000 | $170,000 |
| Application Approved But Not Accepted | 15 | $1,192,000 | $79,000 | $157,000 | $42,000 | $107,000 |
| Application Withdrawn By Applicant | 11 | $1,045,000 | $95,000 | $183,000 | $59,000 | $155,000 |
| Loan Purchased By The Institution | 2 | $235,000 | $117,000 | $182,000 | $68,000 | $137,000 |
| File Closed For Incompleteness | 1 | $92,000 | $92,000 | $92,000 | $28,000 | $28,000 |
| Preapproval Denied by Financial Institution | 1 | $94,000 | $94,000 | $94,000 | $43,000 | $43,000 |
| Preapproval Approved but not Accepted | 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 | 18 | $1,138,000 | $63,000 | $114,000 | $46,000 | $128,000 |
| Collateral | 8 | $1,142,000 | $142,000 | $269,000 | $87,000 | $170,000 |
| Credit Application Incomplete | 5 | $437,000 | $87,000 | $119,000 | $33,000 | $74,000 |
| Debt-To-Income Ratio | 5 | $268,000 | $53,000 | $105,000 | $23,000 | $36,000 |
| Employment History | 1 | $41,000 | $41,000 | $41,000 | $62,000 | $62,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $69,000 | $69,000 | $69,000 | $154,000 | $154,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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