Ritchie County, WV Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 249 mortgage applications in Ritchie County, WV totaling $22.5 million, up 7% from 2012. The average application was for $90,000, and applicants reported an average income of $62,000. 53% of applications resulted in an originated loan and 26% were denied. The most active lender was Union Bank, Inc., with 57 applications, followed by Huntington National Bank and Vanderbilt Mortgage and Finance, Inc.
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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 | 249 |
| Total Mortgage Loan Application Amount | $22,526,000 |
| Average Mortgage Loan Application Amount | $90,000 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $278,000 |
* 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 |
|---|---|---|---|---|
| Union Bank, Inc. P.O. BOX 810 HUNDRED, WV 26149 |
* | $ 210,423,000 | 57 | $ 3,613,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 55,954,625,000 | 25 | $ 1,918,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 16 | $ 1,367,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 15 | $ 1,915,000 |
| West Virginia Central CU 1306 MURDOCH AVE PARKERSBURG, WV 26101 |
* | $ 108,102,000 | 13 | $ 959,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 12 | $ 559,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 11 | $ 998,000 |
| Peoples Bank, National Associa 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 1,911,841,000 | 7 | $ 601,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 6,065,555,000 | 5 | $ 501,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 4,932,825,000 | 4 | $ 258,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 4 | $ 543,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,203,139,000 | 4 | $ 191,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 3 | $ 339,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 3 | $ 378,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 3 | $ 339,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 3 | $ 211,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 3 | $ 696,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 3 | $ 225,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,532,278,000 | 2 | $ 198,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,891,810,000 | 2 | $ 122,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 2 | $ 422,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 243,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 134,000 |
| Community Bank of Parkersburg 631 JULIANA ST PARKERSBURG, WV 26101 |
* | $ 239,064,000 | 2 | $ 229,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 140,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 2 | $ 326,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 226,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 199,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 175,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 97,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 227,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 165,000 |
| Advantage Bank 814 WHEELING AVE CAMBRIDGE, OH 43725 |
* | $ 763,188,000 | 1 | $ 128,000 |
| Belpre Savings Bank POB 39 BELPRE, OH 45714 |
* | $ 47,925,000 | 1 | $ 63,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 1 | $ 67,000 |
| The Peoples Savings Bank P. O. BOX 246 NEW MATAMORAS, OH 45767 |
* | $ 51,810,000 | 1 | $ 141,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 253,900,000 | 1 | $ 26,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,893,976,000 | 1 | $ 149,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 270,671,000 | 1 | $ 220,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ 710,000 | 1 | $ 61,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 1 | $ 71,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 167,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 118,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 595,867,000 | 1 | $ 169,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 286,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 133,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 429,180,000 | 1 | $ 174,000 |
| Westfield Bank, FSB 255 EAST 5TH ST CINCINNATI, OH 45202 |
* | $ 791,697,000 | 1 | $ 65,000 |
| Pleasants County Bank P O BOX 240 ST MARYS, WV 26170 |
* | $ 62,788,000 | 1 | $ 91,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 75,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 82,086,021,000 | 1 | $ 114,000 |
| Settlers Bank 115 THIRD STREET MARIETTA, OH 45750 |
* | $ 106,500,000 | 1 | $ 25,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 1 | $ 220,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 119,444,656,000 | 1 | $ 96,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 1 | $ 78,000 |
The tables below break down 2013 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 2013
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 | 114 | $11,886,000 | $104,000 | $300,000 | $64,000 | $175,000 |
| Home Purchase | 111 | $9,453,000 | $85,000 | $417,000 | $60,000 | $278,000 |
| Home Improvement | 24 | $1,187,000 | $49,000 | $141,000 | $61,000 | $174,000 |
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 | 225 | $19,714,000 | $87,000 | $417,000 | $62,000 | $278,000 |
| Not Provided | 13 | $1,583,000 | $121,000 | $223,000 | $71,000 | $160,000 |
| Not applicable | 7 | $776,000 | $110,000 | $151,000 | $20,000 | $91,000 |
| Hispanic | 3 | $284,000 | $94,000 | $199,000 | $70,000 | $140,000 |
| American Indian or Alaskan Native | 1 | $169,000 | $169,000 | $169,000 | $25,000 | $25,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 199 | $16,873,000 | $84,000 | $417,000 | $66,000 | $278,000 |
| FHA-insured (Federal Housing Administration) | 32 | $3,569,000 | $111,000 | $234,000 | $43,000 | $132,000 |
| VA-guaranteed (Veterans Administration) | 14 | $1,820,000 | $130,000 | $300,000 | $50,000 | $106,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $264,000 | $66,000 | $71,000 | $26,000 | $36,000 |
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 | 131 | $11,616,000 | $88,000 | $317,000 | $65,000 | $278,000 |
| Application Denied By Financial Institution | 65 | $5,518,000 | $84,000 | $417,000 | $57,000 | $185,000 |
| Application Approved But Not Accepted | 18 | $1,649,000 | $91,000 | $276,000 | $61,000 | $140,000 |
| Application Withdrawn By Applicant | 17 | $1,358,000 | $79,000 | $168,000 | $73,000 | $276,000 |
| Loan Purchased By The Institution | 13 | $1,547,000 | $119,000 | $220,000 | $30,000 | $91,000 |
| File Closed For Incompleteness | 5 | $838,000 | $167,000 | $286,000 | $85,000 | $160,000 |
| 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 | 17 | $1,044,000 | $61,000 | $171,000 | $65,000 | $132,000 |
| Collateral | 15 | $1,713,000 | $114,000 | $417,000 | $70,000 | $185,000 |
| Debt-To-Income Ratio | 11 | $1,027,000 | $93,000 | $189,000 | $46,000 | $105,000 |
| Credit Application Incomplete | 4 | $431,000 | $107,000 | $156,000 | $63,000 | $125,000 |
| Other | 4 | $408,000 | $102,000 | $128,000 | $52,000 | $77,000 |
| Unverifiable Information | 1 | $76,000 | $76,000 | $76,000 | $51,000 | $51,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $68,000 | $68,000 | $68,000 | $29,000 | $29,000 |
| 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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