Ritchie County, WV Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 181 mortgage applications in Ritchie County, WV totaling $23.6 million, up 17% from 2022. The average application was for $130,000, and applicants reported an average income of $74,000. 38% of applications resulted in an originated loan and 32% were denied. The most active lender was Huntington National Bank, with 41 applications, followed by Vanderbilt Mortgage and Finance, Inc and Peoples 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 | 181 |
| Total Mortgage Loan Application Amount | $23,555,000 |
| Average Mortgage Loan Application Amount | $130,000 |
| Highest Mortgage Loan Application Amount | $725,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $326,000 |
* 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 |
* | $ 182,325,674,000 | 41 | $ 4,335,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 29 | $ 3,325,000 |
| Peoples Bank 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 7,197,574,000 | 10 | $ 1,100,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 7 | $ 765,000 |
| Calhoun County Banks Inc 362 MAIN STREET GRANTSVILLE, WV 26147 |
* | $ 185,248,000 | 7 | $ 1,115,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 5 | $ 385,000 |
| Wv Central Federal Credit Union 1306 MURDOCH AVE PARKERSBURG, WV 26101 |
* | $ 284,148,000 | 5 | $ 465,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 1,115,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 3,890,541,000 | 4 | $ 470,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 4 | $ 620,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 4 | $ 280,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 355,000 |
| Community Bank of Parkersburg 631 JULIANA ST PARKERSBURG, WV 26101 |
* | $ 292,019,000 | 3 | $ 395,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 400,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 2 | $ 170,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 200,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 2 | $ 230,000 |
| Williamstown Bank Inc. 435 HIGHLAND AVE., WILLIAMSTOWN, WV 26187 |
* | $ 210,766,000 | 2 | $ 810,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 2 | $ 170,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 16,894,686,000 | 2 | $ 380,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 2 | $ 240,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 4,554,611,000 | 1 | $ 45,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 11,943,023,000 | 1 | $ 105,000 |
| Schumacher Mortgage LLC 2715 WISE AVENUE SUITE 100 CANTON, OH 44708 |
* | $ -1,000 | 1 | $ 585,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 175,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 105,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 295,000 |
| Belmont Savings Bank PO BOX 654 BELLAIRE, OH 43906 |
* | $ 419,610,000 | 1 | $ 345,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 1 | $ 55,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 1 | $ 315,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ -1,000 | 1 | $ 75,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 176,980,258,000 | 1 | $ 125,000 |
| Commonwealth One Federal Credit Union 4875 EISENHOWER AVE ALEXANDRIA, VA 22304 |
* | $ 533,084,000 | 1 | $ 265,000 |
| Peoplesbank 330 WHITNEY AVENUE HOLYOKE, MA 01040 |
* | $ 3,668,204,000 | 1 | $ 75,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,766,752,000,000 | 1 | $ 85,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 315,000 |
| The State Credit Union 2200 WASHINGTON STREET, EAST, CHARLESTON, WV 25311 |
* | $ 87,565,000 | 1 | $ 75,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 145,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 135,000 |
| First Neighborhood Bank Inc PARKERSBURG, WV 26104 |
* | $ 163,153,000 | 1 | $ 55,000 |
| Intercoastal Mortgage, LLC 11911 FREEDOM DRIVE SUITE 500 RESTON, VA 20190 |
* | $ -1,000 | 1 | $ 105,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 585,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ 29,430,409,000 | 1 | $ 95,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ -1,000 | 1 | $ 105,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 1 | $ 185,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 165,000 |
| The Park National Bank 50 N THIRD STREET NEWARK, OH 43055 |
* | $ 9,815,951,000 | 1 | $ 155,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 125,000 |
| The Farmers Bank & Savings Com 640 E MAIN ST POMEROY, OH 45769 |
* | $ 393,696,000 | 1 | $ 35,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 1 | $ 145,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 1 | $ 215,000 |
| First Exchange Bank 11 W MAIN ST. WHITE HALL, WV 26554 |
* | $ 324,417,000 | 1 | $ 125,000 |
The tables below break down 2023 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 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 | 112 | $16,450,000 | $146,000 | $725,000 | $69,000 | $181,000 |
| Cash-out Refinancing | 27 | $3,845,000 | $142,000 | $585,000 | $81,000 | $326,000 |
| Other Purpose | 17 | $1,345,000 | $79,000 | $165,000 | $77,000 | $144,000 |
| Home Improvement | 15 | $955,000 | $63,000 | $155,000 | $87,000 | $253,000 |
| Refinancing | 9 | $935,000 | $103,000 | $185,000 | $79,000 | $115,000 |
| Not Applicable | 1 | $25,000 | $25,000 | $25,000 | $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 | 158 | $20,630,000 | $130,000 | $725,000 | $74,000 | $326,000 |
| Not Provided | 10 | $990,000 | $99,000 | $155,000 | $74,000 | $105,000 |
| Not applicable | 9 | $1,325,000 | $147,000 | $325,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $290,000 | $145,000 | $215,000 | $97,000 | $168,000 |
| Black or African American | 1 | $265,000 | $265,000 | $265,000 | $93,000 | $93,000 |
| Hispanic | 1 | $55,000 | $55,000 | $55,000 | $28,000 | $28,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 137 | $16,655,000 | $121,000 | $725,000 | $75,000 | $326,000 |
| FHA-insured (Federal Housing Administration) | 27 | $3,765,000 | $139,000 | $325,000 | $63,000 | $104,000 |
| VA-guaranteed (Veterans Administration) | 15 | $2,925,000 | $195,000 | $345,000 | $88,000 | $162,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $210,000 | $105,000 | $135,000 | $50,000 | $53,000 |
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 | 68 | $10,150,000 | $149,000 | $725,000 | $78,000 | $326,000 |
| Application Denied By Financial Institution | 58 | $6,120,000 | $105,000 | $345,000 | $67,000 | $168,000 |
| Application Withdrawn By Applicant | 23 | $3,045,000 | $132,000 | $315,000 | $82,000 | $253,000 |
| File Closed For Incompleteness | 18 | $1,910,000 | $106,000 | $155,000 | $69,000 | $181,000 |
| Loan Purchased By The Institution | 10 | $1,900,000 | $190,000 | $585,000 | $96,000 | $96,000 |
| Application Approved But Not Accepted | 4 | $430,000 | $107,000 | $145,000 | $66,000 | $125,000 |
| 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 | 109 | $15,115,000 | $138,000 | $585,000 | $77,000 | $326,000 |
| Debt-To-Income Ratio | 29 | $3,925,000 | $135,000 | $725,000 | $74,000 | $155,000 |
| Credit History | 19 | $1,615,000 | $85,000 | $205,000 | $66,000 | $144,000 |
| Collateral | 11 | $1,205,000 | $109,000 | $205,000 | $60,000 | $105,000 |
| Credit Application Incomplete | 4 | $710,000 | $177,000 | $345,000 | $70,000 | $120,000 |
| Unverifiable Information | 4 | $530,000 | $132,000 | $215,000 | $84,000 | $168,000 |
| Other | 3 | $255,000 | $85,000 | $115,000 | $80,000 | $100,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $200,000 | $100,000 | $115,000 | $56,000 | $65,000 |
| 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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