Pocahontas County, WV Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 209 mortgage applications in Pocahontas County, WV totaling $33.8 million, down 27% from 2022. The average application was for $161,000, and applicants reported an average income of $155,000. 55% of applications resulted in an originated loan and 18% were denied. The most active lender was Pendleton Community Bank, with 24 applications, followed by First Ciitizens Bank and Trust and City National Bank of Wv.
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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 | 209 |
| Total Mortgage Loan Application Amount | $33,765,000 |
| Average Mortgage Loan Application Amount | $161,000 |
| Highest Mortgage Loan Application Amount | $675,000 |
| Average Applicant Income | $155,000 |
| Highest Applicant Income | $2,147,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| 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 |
* | $ 658,250,000 | 24 | $ 3,420,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 109,180,139,000 | 23 | $ 2,175,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 5,832,156,000 | 19 | $ 2,295,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 17 | $ 2,055,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 3,890,541,000 | 14 | $ 3,200,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 740,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ -1,000 | 4 | $ 480,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 3 | $ 105,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 395,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 275,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 410,000 |
| T2 Financial LLC 480 OLDE WORTHINGTON RD SUITE 300 WESTERVILLE, OH 43082 |
* | $ -1,000 | 2 | $ 230,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 2 | $ 390,000 |
| Putnam County Bank P.O. BOX 308 HURRICANE, WV 25526 |
* | $ 634,206,000 | 2 | $ 150,000 |
| Farmers and Merchants Trust Company of Chambersburg 20 SOUTH MAIN STREET CHAMBERSBURG, PA 17201 |
* | $ 1,699,086,000 | 2 | $ 210,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 2 | $ 260,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 2 | $ 430,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 2 | $ 170,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ 495,448,000 | 2 | $ 460,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 520,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 580,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 650,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 2 | $ 620,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 300,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 379,838,000 | 2 | $ 30,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 300,000 |
| Lendsure Mortgage Corp. 16959 BERNARDO CENTER DR, #102 SAN DIEGO, CA 92128 |
* | $ -1,000 | 1 | $ 105,000 |
| Northwest Federal Credit Union 220 SPRING STREET HERNDON, VA 20170 |
* | $ 4,112,771,000 | 1 | $ 515,000 |
| Intercoastal Mortgage, LLC 11911 FREEDOM DRIVE SUITE 500 RESTON, VA 20190 |
* | $ -1,000 | 1 | $ 335,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ 29,430,409,000 | 1 | $ 225,000 |
| Telcoe Federal Credit Union PO BOX 34200 LITTLE ROCK, AR 72201 |
* | $ 440,376,000 | 1 | $ 365,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 16,995,485,000 | 1 | $ 55,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ -1,000 | 1 | $ 135,000 |
| Castle Mortgage Corporation 10251 VISTA SORRENTO PKWY, STE. 225 WILMINGTON, DE 92121 |
* | $ -1,000 | 1 | $ 205,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 85,000 |
| First Bank and Trust Company PO BOX 1000 ABINGDON, VA 24212 |
* | $ 3,140,875,000 | 1 | $ 75,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 16,894,686,000 | 1 | $ 65,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 1 | $ 175,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 75,000 |
| Advancial Federal Credit Union 1845 WOODALL RODGERS FWY, SUITE 1300 DALLAS, TX 75231 |
* | $ 2,202,960,000 | 1 | $ 105,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ -1,000 | 1 | $ 455,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 205,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ -1,000 | 1 | $ 305,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 215,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 405,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 65,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 55,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 45,000 |
| American National Bank and Trust Company 628 MAIN STREET DANVILLE, VA 24541 |
* | $ 3,061,152,000 | 1 | $ 505,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 85,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 1 | $ 225,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 1 | $ 25,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ -1,000 | 1 | $ 185,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ -1,000 | 1 | $ 35,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 65,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ 14,304,653,000 | 1 | $ 85,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 105,000 |
| Select Bank P.O. BOX 4620 FOREST, VA 24551 |
* | $ 440,948,000 | 1 | $ 405,000 |
| Nexera Holding LLC 2200 POWELL STREET SUITE 340 EMERYVILLE, CA 94608 |
* | $ -1,000 | 1 | $ 645,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 235,000 |
| S&T Bank 800 PHILADELPHIA STREET PO BOX 190 INDIANA, PA 15701 |
* | $ 9,106,184,000 | 1 | $ 55,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ 43,726,588,000 | 1 | $ 95,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 1 | $ 645,000 |
| George Mason Mortgage, LLC 4100 MONUMENT CORNER DRIVE #100 PRINCE WILLIAM, VA 22030 |
* | $ -1,000 | 1 | $ 285,000 |
| Atlantic Union Bank 1051 EAST CARY STREET, SUITE 1200 GLEN ALLEN, VA 23060 |
* | $ 20,342,081,000 | 1 | $ 85,000 |
| Fayette County National Bank PO BOX 209 FAYETTEVILLE, WV 25840 |
* | $ 143,807,000 | 1 | $ 25,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ -1,000 | 1 | $ 205,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 1 | $ 85,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 2,192,809,000 | 1 | $ 125,000 |
| Pinnacle Bank 150 3RD AVE SOUTH NASHVILLE, TN 37203 |
* | $ 41,842,515,000 | 1 | $ 525,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 3,112,618,000 | 1 | $ 55,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 145,000 |
| Southern Trust Mortgage, LLC 295 BENDIX ROAD SUITE 400 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 1 | $ 675,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 1 | $ 595,000 |
| Vista Point Mortgage, LLC 1920 MAIN ST SUITE 200 IRVINE, CA 92614 |
* | $ -1,000 | 1 | $ 225,000 |
The tables below break down 2023 mortgage applications in Pocahontas 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 Pocahontas County, WV in 2023
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 134 | $25,620,000 | $191,000 | $675,000 | $189,000 | $2,147,000 |
| Refinancing | 25 | $3,465,000 | $138,000 | $505,000 | $96,000 | $455,000 |
| Other Purpose | 21 | $1,735,000 | $82,000 | $315,000 | $128,000 | $768,000 |
| Cash-out Refinancing | 21 | $2,585,000 | $123,000 | $205,000 | $77,000 | $325,000 |
| Home Improvement | 8 | $360,000 | $45,000 | $95,000 | $90,000 | $207,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 162 | $24,020,000 | $148,000 | $675,000 | $149,000 | $2,147,000 |
| Not Provided | 20 | $4,950,000 | $247,000 | $645,000 | $225,000 | $1,005,000 |
| Not applicable | 18 | $3,850,000 | $213,000 | $575,000 | $0 | $0 |
| Hispanic | 5 | $805,000 | $161,000 | $235,000 | $143,000 | $325,000 |
| Black or African American | 2 | $90,000 | $45,000 | $45,000 | $39,000 | $47,000 |
| American Indian or Alaskan Native | 1 | $25,000 | $25,000 | $25,000 | $95,000 | $95,000 |
| Asian | 1 | $25,000 | $25,000 | $25,000 | $59,000 | $59,000 |
| 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) | 179 | $29,965,000 | $167,000 | $675,000 | $169,000 | $2,147,000 |
| FHA-insured (Federal Housing Administration) | 21 | $2,675,000 | $127,000 | $305,000 | $73,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $415,000 | $83,000 | $105,000 | $44,000 | $51,000 |
| VA-guaranteed (Veterans Administration) | 4 | $710,000 | $177,000 | $205,000 | $65,000 | $151,000 |
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 | 114 | $20,730,000 | $181,000 | $675,000 | $191,000 | $2,147,000 |
| Application Denied By Financial Institution | 37 | $3,315,000 | $89,000 | $205,000 | $90,000 | $768,000 |
| Application Withdrawn By Applicant | 20 | $3,540,000 | $177,000 | $645,000 | $169,000 | $1,005,000 |
| File Closed For Incompleteness | 15 | $2,295,000 | $153,000 | $455,000 | $65,000 | $164,000 |
| Loan Purchased By The Institution | 14 | $2,800,000 | $200,000 | $435,000 | $0 | $0 |
| Application Approved But Not Accepted | 9 | $1,085,000 | $120,000 | $315,000 | $96,000 | $509,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 168 | $29,490,000 | $175,000 | $675,000 | $168,000 | $2,147,000 |
| Debt-To-Income Ratio | 16 | $1,910,000 | $119,000 | $405,000 | $100,000 | $601,000 |
| Credit History | 9 | $575,000 | $63,000 | $155,000 | $153,000 | $768,000 |
| Collateral | 8 | $880,000 | $110,000 | $205,000 | $113,000 | $325,000 |
| Unverifiable Information | 3 | $335,000 | $111,000 | $125,000 | $84,000 | $88,000 |
| Credit Application Incomplete | 2 | $280,000 | $140,000 | $175,000 | $39,000 | $50,000 |
| Other | 2 | $160,000 | $80,000 | $105,000 | $46,000 | $61,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $135,000 | $135,000 | $135,000 | $59,000 | $59,000 |
| Mortgage Insurance Denied | 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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