Ritchie County, WV Mortgage Lenders & HMDA Data, 2007
In 2007, lenders reported 438 mortgage applications in Ritchie County, WV totaling $29.3 million, down 2% from 2006. The average application was for $66,000, and applicants reported an average income of $47,000. 39% of applications resulted in an originated loan and 35% were denied. The most active lender was Beneficial Company LLC, with 80 applications, followed by Union Bank, Inc. 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 | 438 |
| Total Mortgage Loan Application Amount | $29,293,000 |
| Average Mortgage Loan Application Amount | $66,000 |
| Highest Mortgage Loan Application Amount | $350,000 |
| Average Applicant Income | $47,000 |
| Highest Applicant Income | $288,000 |
* 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 |
|---|---|---|---|---|
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 80 | $ 5,305,000 |
| Union Bank, Inc. P.O. BOX 810 HUNDRED, WV 26149 |
* | $ 122,776,000 | 70 | $ 2,950,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 34,914,009,000 | 57 | $ 3,461,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 20 | $ 2,439,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 19 | $ 813,000 |
| Wells Fargo Finl West Virginia 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 18 | $ 1,113,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 92,836,714,000 | 12 | $ 1,528,000 |
| West Virginia Central CU 1306 MURDOCH AVE PARKERSBURG, WV 26101 |
* | $ 53,433,000 | 11 | $ 550,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 11 | $ 750,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 117,134,085,000 | 7 | $ 349,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,179,390,000,000 | 7 | $ 621,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 398,671,000,000 | 7 | $ 802,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,196,123,794,000 | 6 | $ 356,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 4,081,714,000 | 6 | $ 373,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 3,808,128,000 | 6 | $ 453,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 6 | $ 367,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 75,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,464,820,000 | 5 | $ 322,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,105,280,000 | 4 | $ 261,000 |
| Franklin Bank SSB 9800 RICHMOND, SUITE 680 HOUSTON, TX 77042 |
* | $ 5,533,327,000 | 4 | $ 308,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 4 | $ 122,000 |
| Peoples Bank, National Associa 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 1,861,784,000 | 4 | $ 316,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 96,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 254,471,000 | 3 | $ 103,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 3 | $ 169,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 3 | $ 178,000 |
| Wilmington Finance, Inc. 620 W GERMANTOWN RD PLYMOUTH MEETING, PA 19462 |
* | $ 10,000,000 | 3 | $ 300,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 3 | $ 492,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 2 | $ 541,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 2 | $ 80,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 57,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 247,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 2 | $ 180,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 27,121,892,000 | 2 | $ 185,000 |
| First Federal Savings Bank 726 WELLS STREET SISTERSVILLE, WV 26175 |
* | $ 52,702,000 | 2 | $ 192,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 2 | $ 120,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 83,973,505,000 | 2 | $ 84,000 |
| Pleasants County Bank P O BOX 240 ST MARYS, WV 26170 |
* | $ 50,446,000 | 2 | $ 55,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 2 | $ 107,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 182,588,156,000 | 2 | $ 290,000 |
| Bank of Blue Valley 11935 RILEY OVERLAND PARK, KS 66213 |
* | $ 676,407,000 | 1 | $ 97,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 83,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 35,000 |
| Americanmtgnetwork dba Vertice TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 473,000,000,000 | 1 | $ 31,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 217,802,326,000 | 1 | $ 128,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 52,671,972,000 | 1 | $ 30,000 |
| Tierone Bank 1235 "N" STREET LINCOLN, NE 68508 |
* | $ 3,429,718,000 | 1 | $ 64,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 28,740,902,000 | 1 | $ 135,000 |
| Standard Bank, Pasb 2640 MONROEVILLE BLVD MONROEVILLE, PA 15146 |
* | $ 329,350,000 | 1 | $ 330,000 |
| Calhoun County Banks Inc 362 MAIN STREET GRANTSVILLE, WV 26147 |
* | $ 88,698,000 | 1 | $ 11,000 |
| Princeville State Bank 142 E. MAIN STREET PRINCEVILLE, IL 61559 |
* | $ 50,711,000 | 1 | $ 61,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 162,569,000 | 1 | $ 47,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 13,489,917,000 | 1 | $ 36,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 26,048,419,000 | 1 | $ 36,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 345,610,758,000 | 1 | $ 25,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 39,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 5,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 65,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 53,000 |
The tables below break down 2007 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 2007
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 | 238 | $17,843,000 | $74,000 | $350,000 | $47,000 | $200,000 |
| Home Purchase | 116 | $7,601,000 | $65,000 | $330,000 | $43,000 | $158,000 |
| Home Improvement | 84 | $3,849,000 | $45,000 | $171,000 | $51,000 | $288,000 |
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 | 394 | $26,027,000 | $66,000 | $350,000 | $47,000 | $288,000 |
| Not Provided | 30 | $1,989,000 | $66,000 | $200,000 | $47,000 | $158,000 |
| Not applicable | 9 | $630,000 | $70,000 | $135,000 | $23,000 | $85,000 |
| Asian | 3 | $425,000 | $141,000 | $321,000 | $61,000 | $75,000 |
| Black or African American | 2 | $222,000 | $111,000 | $140,000 | $48,000 | $49,000 |
| 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 |
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) | 424 | $28,202,000 | $66,000 | $350,000 | $47,000 | $288,000 |
| FHA-insured (Federal Housing Administration) | 9 | $678,000 | $75,000 | $156,000 | $35,000 | $73,000 |
| VA-guaranteed (Veterans Administration) | 3 | $248,000 | $82,000 | $83,000 | $33,000 | $54,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $165,000 | $82,000 | $128,000 | $37,000 | $41,000 |
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 | 170 | $10,688,000 | $62,000 | $330,000 | $52,000 | $288,000 |
| Application Denied By Financial Institution | 152 | $9,615,000 | $63,000 | $321,000 | $43,000 | $165,000 |
| Application Withdrawn By Applicant | 47 | $3,116,000 | $66,000 | $285,000 | $49,000 | $200,000 |
| Application Approved But Not Accepted | 33 | $2,283,000 | $69,000 | $200,000 | $41,000 | $75,000 |
| Loan Purchased By The Institution | 26 | $2,833,000 | $108,000 | $350,000 | $45,000 | $122,000 |
| File Closed For Incompleteness | 10 | $758,000 | $75,000 | $195,000 | $40,000 | $87,000 |
| 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 | 32 | $1,538,000 | $48,000 | $150,000 | $38,000 | $107,000 |
| Collateral | 15 | $1,351,000 | $90,000 | $180,000 | $37,000 | $62,000 |
| Debt-To-Income Ratio | 10 | $441,000 | $44,000 | $75,000 | $26,000 | $56,000 |
| Credit Application Incomplete | 3 | $109,000 | $36,000 | $50,000 | $28,000 | $42,000 |
| Other | 1 | $60,000 | $60,000 | $60,000 | $14,000 | $14,000 |
| Unverifiable Information | 1 | $90,000 | $90,000 | $90,000 | $83,000 | $83,000 |
| Employment History | 1 | $321,000 | $321,000 | $321,000 | $75,000 | $75,000 |
| 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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