Ritchie County, WV Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 544 mortgage applications in Ritchie County, WV totaling $33.5 million, up 9% from 2003. The average application was for $61,000, and applicants reported an average income of $43,000. 38% of applications resulted in an originated loan and 33% were denied. The most active lender was Wesbanco Bank, Inc., with 90 applications, followed by Beneficial and The Huntington National 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 | 544 |
| Total Mortgage Loan Application Amount | $33,513,000 |
| Average Mortgage Loan Application Amount | $61,000 |
| Highest Mortgage Loan Application Amount | $295,000 |
| Average Applicant Income | $43,000 |
| Highest Applicant Income | $696,000 |
* 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 |
|---|---|---|---|---|
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 3,432,302,000 | 90 | $ 3,529,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 73 | $ 4,790,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 30,245,697,000 | 60 | $ 3,110,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 26 | $ 1,146,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 256,787,000,000 | 23 | $ 1,036,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 20 | $ 1,242,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 20 | $ 1,767,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 3,647,612,000 | 16 | $ 1,327,000 |
| Franklin Bank SSB 9800 RICHMOND, SUITE 680 HOUSTON, TX 77042 |
* | $ 2,247,653,000 | 13 | $ 1,009,000 |
| Wells Fargo Finl West Virginia 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 12 | $ 873,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 12 | $ 598,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 36,578,612,000 | 10 | $ 674,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 67,584,376,000 | 8 | $ 494,000 |
| Peoples Bank, National Associa 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 1,724,359,000 | 8 | $ 353,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 8 | $ 616,000 |
| Union Bank, Inc. P.O. BOX 810 HUNDRED, WV 26149 |
* | $ 69,454,000 | 7 | $ 316,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 7 | $ 498,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 7 | $ 333,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 6 | $ 494,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 6 | $ 348,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 20,039,756,000 | 5 | $ 109,000 |
| One Community Federal Credit Union 531 FIFTH STREET PARKERSBURG, WV 26101 |
* | $ 44,318,000 | 5 | $ 352,000 |
| West Virginia Central CU 1306 MURDOCH AVE PARKERSBURG, WV 26101 |
* | $ 44,092,000 | 5 | $ 117,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 10,551,758,000 | 5 | $ 335,000 |
| Fnb of St Marys PO BOX 180 ST MARYS, WV 26170 |
* | $ 38,653,000 | 4 | $ 159,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 4 | $ 351,000 |
| Pleasants County Bank P O BOX 240 ST MARYS, WV 26170 |
* | $ 49,365,000 | 4 | $ 61,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 4 | $ 390,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 4 | $ 598,000 |
| Mortgage Lenders Network USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 3 | $ 268,000 |
| Homeone Credit Corp. 10700 NORTH FREEWAY #1000 HOUSTON, TX 77037 |
* | $ 10,000,000 | 3 | $ 205,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 3 | $ 213,000 |
| First Federal Savings Bank 726 WELLS STREET SISTERSVILLE, WV 26175 |
* | $ 46,055,000 | 3 | $ 422,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 2,615,181,000 | 3 | $ 161,000 |
| Decision One Mortgage 6060 J.A. JONES DRIVE CHARLOTTE, NC 28287 |
* | $ 10,000,000 | 3 | $ 142,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 2 | $ 194,000 |
| Chase Manhattan Mortgage Corp. 194 WOOD AVENUE SOUTH ISELIN, NJ 08830 |
* | $ 770,912,000 | 2 | $ 238,000 |
| Citifinancial, Inc 300 ST PAUL PLACE BALTIMORE, MD 21020 |
* | $ 1,097,190,000,000 | 2 | $ 125,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 89,000 |
| First Magnus Financial Corp 603 N. WILMOT ROAD TUCSON, AZ 85711 |
* | $ 10,000,000 | 2 | $ 215,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 13,721,232,000 | 2 | $ 124,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 234,680,095,000 | 2 | $ 143,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 7,855,191,000 | 2 | $ 117,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 124,453,567,000 | 2 | $ 286,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 146,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 19,145,012,000 | 2 | $ 304,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 2 | $ 114,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 42,548,912,000 | 2 | $ 239,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 1 | $ 128,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 136,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 314,128,000 | 1 | $ 13,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 2,032,341,000 | 1 | $ 77,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 40,000 |
| Rbc Mortgage P O BOX 1220 ROCKY MOUNT, NC 27802 |
* | $ 305,652,000 | 1 | $ 67,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 189,159,050,000 | 1 | $ 28,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 29,327,000,000 | 1 | $ 40,000 |
| First National Bank 205 W. OAK STREET FORT COLLINS, CO 80522 |
* | $ 1,178,713,000 | 1 | $ 175,000 |
| First National Bank 4416 EMERSON AVENUE PARKERSBURG, WV 26104 |
* | $ 113,857,000 | 1 | $ 232,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 24,312,912,000 | 1 | $ 42,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 1 | $ 88,000 |
| Citimortgage, Inc. ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 59,720,267,000 | 1 | $ 163,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 30,000 |
| Fremont Investment & Loan 2727 E. IMPERIAL HIGHWAY BREA, CA 92821 |
* | $ 9,333,614,000 | 1 | $ 165,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,022,330,000 | 1 | $ 55,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 1 | $ 220,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 56,682,854,000 | 1 | $ 118,000 |
| First Capital Financial Servic 5600 W. GRANDE MARKET DRIVE APPLETON, WI 54913 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Aegis Funding Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 1,223,098,000 | 1 | $ 50,000 |
| Americas Moneyline 4880 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 617,888,534,000 | 1 | $ 28,000 |
| Aames Funding Corporation 15090 AVENUE OF SCIENCE SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 1 | $ 113,000 |
| Allied Home Mtg Capital Corp 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 61,000 |
| First Mariner Bank 3301 BOSTON STREET BALTIMORE, MD 21224 |
* | $ 1,028,176,000 | 1 | $ 147,000 |
The tables below break down 2004 mortgage applications in Ritchie 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 Ritchie County, WV in 2004
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 | 309 | $22,702,000 | $73,000 | $234,000 | $45,000 | $627,000 |
| Home Purchase | 139 | $8,905,000 | $64,000 | $295,000 | $37,000 | $200,000 |
| Home Improvement | 96 | $1,906,000 | $19,000 | $87,000 | $48,000 | $696,000 |
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 | 465 | $28,112,000 | $60,000 | $295,000 | $44,000 | $696,000 |
| Not Provided | 43 | $3,222,000 | $74,000 | $234,000 | $45,000 | $137,000 |
| Not applicable | 32 | $1,731,000 | $54,000 | $200,000 | $31,000 | $200,000 |
| Black or African American | 2 | $227,000 | $113,000 | $140,000 | $44,000 | $45,000 |
| Hispanic | 2 | $221,000 | $110,000 | $158,000 | $49,000 | $74,000 |
| 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) | 533 | $32,667,000 | $61,000 | $295,000 | $44,000 | $696,000 |
| VA-guaranteed (Veterans Administration) | 8 | $568,000 | $71,000 | $86,000 | $13,000 | $37,000 |
| FHA-insured (Federal Housing Administration) | 3 | $278,000 | $92,000 | $108,000 | $38,000 | $49,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 209 | $12,041,000 | $57,000 | $295,000 | $52,000 | $696,000 |
| Application Denied By Financial Institution | 177 | $10,376,000 | $58,000 | $234,000 | $39,000 | $192,000 |
| Application Withdrawn By Applicant | 72 | $5,420,000 | $75,000 | $238,000 | $44,000 | $93,000 |
| Application Approved But Not Accepted | 46 | $2,959,000 | $64,000 | $187,000 | $36,000 | $67,000 |
| Loan Purchased By The Institution | 31 | $2,124,000 | $68,000 | $200,000 | $29,000 | $144,000 |
| File Closed For Incompleteness | 9 | $593,000 | $65,000 | $120,000 | $35,000 | $74,000 |
| 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 | 31 | $1,407,000 | $45,000 | $150,000 | $31,000 | $133,000 |
| Credit Application Incomplete | 27 | $1,660,000 | $61,000 | $140,000 | $44,000 | $90,000 |
| Debt-To-Income Ratio | 21 | $1,648,000 | $78,000 | $180,000 | $34,000 | $83,000 |
| Collateral | 20 | $1,364,000 | $68,000 | $165,000 | $51,000 | $137,000 |
| Other | 13 | $709,000 | $54,000 | $134,000 | $43,000 | $192,000 |
| Unverifiable Information | 2 | $235,000 | $117,000 | $149,000 | $28,000 | $31,000 |
| Employment History | 1 | $58,000 | $58,000 | $58,000 | $32,000 | $32,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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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