Ritchie County, WV Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 186 mortgage applications in Ritchie County, WV totaling $20.9 million, up 15% from 2016. The average application was for $112,000, and applicants reported an average income of $73,000. 51% of applications resulted in an originated loan and 26% were denied. The most active lender was Huntington National Bank, with 27 applications, followed by Vanderbilt Mortgage and Finance, Inc and Wv Central Federal Credit Union.
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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 | 186 |
| Total Mortgage Loan Application Amount | $20,920,000 |
| Average Mortgage Loan Application Amount | $112,000 |
| Highest Mortgage Loan Application Amount | $973,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $823,000 |
* 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 |
|---|---|---|---|---|
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 99,554,985,000 | 27 | $ 2,278,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 13 | $ 798,000 |
| Wv Central Federal Credit Union 1306 MURDOCH AVE PARKERSBURG, WV 26101 |
* | $ 155,420,000 | 12 | $ 1,139,000 |
| Cornerstone Bank, Inc. PO BOX 249 WEST UNION, WV 26456 |
* | $ 169,368,000 | 12 | $ 1,526,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 8 | $ 716,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 6 | $ 702,000 |
| Community Bank of Parkersburg 631 JULIANA ST PARKERSBURG, WV 26101 |
* | $ 237,967,000 | 6 | $ 1,001,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 5 | $ 501,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 647,000 |
| Peoples Bank 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 3,420,466,000 | 4 | $ 679,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 214,433,035,000 | 4 | $ 931,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ -1,000 | 4 | $ 484,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 3 | $ 660,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 3 | $ 413,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 473,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 3 | $ 426,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 3 | $ 3,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,883,786,000 | 3 | $ 212,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 163,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 252,204,000 | 2 | $ 33,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ 9,017,236,000 | 2 | $ 140,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 2 | $ 210,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,980,496,000 | 2 | $ 238,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 475,515,000 | 2 | $ 263,000 |
| Premier Bank, Inc. 601 WASHINGTON STREET RAVENSWOOD, WV 26164 |
* | $ 1,075,790,000 | 2 | $ 200,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 1 | $ 120,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 216,651,000 | 1 | $ 120,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 11,254,182,000 | 1 | $ 10,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 1 | $ 165,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 160,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 1 | $ 204,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,349,581,000,000 | 1 | $ 175,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 119,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 95,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 122,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 1 | $ 215,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 13,265,339,000 | 1 | $ 88,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 355,999,734,000 | 1 | $ 10,000 |
| Potomac Mortgage Group, Inc. 4035 RIDGE TOP ROAD, SUITE 100 FAIRFAX, VA 22030 |
* | $ -1,000 | 1 | $ 68,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,483,848,000 | 1 | $ 48,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,095,554,000 | 1 | $ 174,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,207,688,000 | 1 | $ 25,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 210,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 1 | $ 116,000 |
| Home Savings Bank 275 W FEDERAL ST YOUNGSTOWN, OH 44503 |
* | $ 2,190,097,000 | 1 | $ 204,000 |
| One Community Federal Credit Union 531 FIFTH STREET PARKERSBURG, WV 26101 |
* | $ 72,042,000 | 1 | $ 130,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 70,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 1 | $ 9,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ 342,939,000 | 1 | $ 106,000 |
| Bayer Hfcu 788 N STATE ROUTE 2 NEW MARTINSVILLE, WV 26155 |
* | $ 422,132,000 | 1 | $ 50,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 1 | $ 68,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 3,946,566,000 | 1 | $ 258,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 38,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 715,254,000 | 1 | $ 175,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 274,000 |
| The Union Bank Company 105 PROGRESSIVE DRIVE COLUMBUS GROVE, OH 45830 |
* | $ 631,716,000 | 1 | $ 274,000 |
The tables below break down 2017 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 2017
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 | 89 | $11,474,000 | $128,000 | $973,000 | $70,000 | $442,000 |
| Refinancing | 64 | $8,343,000 | $130,000 | $350,000 | $67,000 | $432,000 |
| Home Improvement | 33 | $1,103,000 | $33,000 | $150,000 | $90,000 | $823,000 |
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 | 158 | $17,878,000 | $113,000 | $973,000 | $80,000 | $823,000 |
| Not Provided | 14 | $1,125,000 | $80,000 | $180,000 | $52,000 | $90,000 |
| Not applicable | 10 | $1,611,000 | $161,000 | $600,000 | $11,000 | $74,000 |
| Hispanic | 2 | $164,000 | $82,000 | $127,000 | $28,000 | $42,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $82,000 | $82,000 | $82,000 | $30,000 | $30,000 |
| American Indian or Alaskan Native | 1 | $60,000 | $60,000 | $60,000 | $15,000 | $15,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 136 | $14,570,000 | $107,000 | $973,000 | $80,000 | $823,000 |
| FHA-insured (Federal Housing Administration) | 30 | $3,102,000 | $103,000 | $261,000 | $48,000 | $95,000 |
| VA-guaranteed (Veterans Administration) | 18 | $3,095,000 | $171,000 | $312,000 | $62,000 | $135,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $153,000 | $76,000 | $77,000 | $14,000 | $29,000 |
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 | 95 | $11,702,000 | $123,000 | $973,000 | $81,000 | $823,000 |
| Application Denied By Financial Institution | 49 | $4,236,000 | $86,000 | $330,000 | $72,000 | $432,000 |
| File Closed For Incompleteness | 15 | $1,328,000 | $88,000 | $181,000 | $46,000 | $67,000 |
| Application Withdrawn By Applicant | 11 | $1,344,000 | $122,000 | $261,000 | $88,000 | $373,000 |
| Loan Purchased By The Institution | 10 | $1,185,000 | $118,000 | $274,000 | $18,000 | $74,000 |
| Application Approved But Not Accepted | 6 | $1,125,000 | $187,000 | $600,000 | $78,000 | $166,000 |
| 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 | 18 | $953,000 | $52,000 | $235,000 | $93,000 | $432,000 |
| Collateral | 12 | $1,916,000 | $159,000 | $330,000 | $94,000 | $356,000 |
| Credit Application Incomplete | 5 | $645,000 | $129,000 | $178,000 | $59,000 | $94,000 |
| Other | 1 | $30,000 | $30,000 | $30,000 | $22,000 | $22,000 |
| Unverifiable Information | 1 | $120,000 | $120,000 | $120,000 | $47,000 | $47,000 |
| Debt-To-Income Ratio | 1 | $10,000 | $10,000 | $10,000 | $113,000 | $113,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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