Roane County, WV Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 308 mortgage applications in Roane County, WV totaling $44.3 million, about the same as 2024. The average application was for $143,000, and applicants reported an average income of $87,000. 40% of applications resulted in an originated loan and 31% were denied. The most active lender was The Poca Valley Bank, with 64 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 | 308 |
| Total Mortgage Loan Application Amount | $44,320,000 |
| Average Mortgage Loan Application Amount | $143,000 |
| Highest Mortgage Loan Application Amount | $735,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $2,000,000 |
* 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 |
|---|---|---|---|---|
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ n/a | 64 | $ 9,940,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 31 | $ 3,305,000 |
| Peoples Bank 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ n/a | 16 | $ 1,860,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 14 | $ 1,690,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 10 | $ 1,400,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 9 | $ 1,925,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 9 | $ 995,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 8 | $ 980,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 6 | $ 1,140,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 6 | $ 690,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 6 | $ 360,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 6 | $ 790,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ n/a | 5 | $ 735,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 5 | $ 625,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 5 | $ 545,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 4 | $ 490,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 4 | $ 440,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 3 | $ 395,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 3 | $ 435,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 3 | $ 155,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ n/a | 3 | $ 785,000 |
| Camc Federal Credit Union 3400 MACCORKLE AVENUE SE CHARLESTON, WV 25304 |
* | $ n/a | 3 | $ 595,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 3 | $ 295,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ n/a | 3 | $ 75,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 3 | $ 365,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 3 | $ 615,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 2 | $ 330,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 280,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 2 | $ 300,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 2 | $ 580,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 150,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 2 | $ 540,000 |
| Wv Central Federal Credit Union 1306 MURDOCH AVE PARKERSBURG, WV 26101 |
* | $ n/a | 2 | $ 220,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 340,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 2 | $ 40,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 1 | $ 155,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 1 | $ 545,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 45,000 |
| Putnam County Bank P.O. BOX 308 HURRICANE, WV 25526 |
* | $ n/a | 1 | $ 225,000 |
| Integrity Home Mortgage Corporation 122 PILOT CIRCLE WINCHESTER, VA 22602 |
* | $ n/a | 1 | $ 325,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 115,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 1 | $ 75,000 |
| Bayer Hfcu 788 N STATE ROUTE 2 NEW MARTINSVILLE, WV 26155 |
* | $ n/a | 1 | $ 125,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 85,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ n/a | 1 | $ 135,000 |
| Community Bank of Parkersburg 631 JULIANA ST PARKERSBURG, WV 26101 |
* | $ n/a | 1 | $ 735,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 285,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ n/a | 1 | $ 225,000 |
| Truliant Federal Credit Union 3200 TRULIANT WAY WINSTON SALEM, NC 27103 |
* | $ n/a | 1 | $ 95,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 75,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 165,000 |
| The State Credit Union 2200 WASHINGTON STREET, EAST, CHARLESTON, WV 25311 |
* | $ n/a | 1 | $ 65,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 245,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 155,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ n/a | 1 | $ 265,000 |
| Cornerstone First Mortgage, LLC 2655 CAMINO DEL RIO N #450 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 145,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 285,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ n/a | 1 | $ 135,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 375,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 1 | $ 305,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ n/a | 1 | $ 205,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 95,000 |
| Star USA Federal Credit Union ONE CANTLEY DRIVE CHARLESTON, WV 25314 |
* | $ n/a | 1 | $ 55,000 |
| Atlantic Coast Mortgage, LLC 4100 MONUMENT CORNER DRIVE, SUITE 300 FAIRFAX, VA 22030 |
* | $ n/a | 1 | $ 355,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ n/a | 1 | $ 175,000 |
The tables below break down 2025 mortgage applications in Roane 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 Roane County, WV in 2025
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 | 186 | $28,640,000 | $153,000 | $735,000 | $96,000 | $2,000,000 |
| Cash-out Refinancing | 65 | $9,795,000 | $150,000 | $545,000 | $70,000 | $181,000 |
| Other Purpose | 21 | $1,605,000 | $76,000 | $205,000 | $63,000 | $189,000 |
| Refinancing | 21 | $3,175,000 | $151,000 | $545,000 | $64,000 | $135,000 |
| Home Improvement | 15 | $1,105,000 | $73,000 | $235,000 | $103,000 | $296,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 253 | $36,025,000 | $142,000 | $735,000 | $90,000 | $2,000,000 |
| Not Provided | 34 | $5,110,000 | $150,000 | $545,000 | $69,000 | $169,000 |
| Not applicable | 11 | $1,955,000 | $177,000 | $545,000 | $0 | $0 |
| Black or African American | 6 | $570,000 | $95,000 | $105,000 | $64,000 | $93,000 |
| Hispanic | 2 | $500,000 | $250,000 | $415,000 | $108,000 | $137,000 |
| American Indian or Alaskan Native | 2 | $160,000 | $80,000 | $105,000 | $33,000 | $48,000 |
| Asian | 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) | 231 | $30,995,000 | $134,000 | $735,000 | $93,000 | $2,000,000 |
| FHA-insured (Federal Housing Administration) | 52 | $7,310,000 | $140,000 | $355,000 | $62,000 | $169,000 |
| VA-guaranteed (Veterans Administration) | 17 | $4,835,000 | $284,000 | $545,000 | $83,000 | $181,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,180,000 | $147,000 | $175,000 | $55,000 | $62,000 |
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 | 122 | $19,620,000 | $160,000 | $545,000 | $93,000 | $561,000 |
| Application Denied By Financial Institution | 96 | $12,150,000 | $126,000 | $735,000 | $90,000 | $2,000,000 |
| Application Withdrawn By Applicant | 34 | $5,110,000 | $150,000 | $505,000 | $79,000 | $219,000 |
| File Closed For Incompleteness | 34 | $4,260,000 | $125,000 | $285,000 | $69,000 | $240,000 |
| Loan Purchased By The Institution | 12 | $2,030,000 | $169,000 | $545,000 | $48,000 | $48,000 |
| Application Approved But Not Accepted | 10 | $1,150,000 | $115,000 | $205,000 | $69,000 | $172,000 |
| 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 | 154 | $22,830,000 | $148,000 | $545,000 | $75,000 | $296,000 |
| Debt-To-Income Ratio | 85 | $13,365,000 | $157,000 | $735,000 | $114,000 | $2,000,000 |
| Credit History | 29 | $2,915,000 | $100,000 | $185,000 | $70,000 | $294,000 |
| Collateral | 20 | $1,930,000 | $96,000 | $175,000 | $73,000 | $189,000 |
| Credit Application Incomplete | 11 | $1,635,000 | $148,000 | $375,000 | $64,000 | $123,000 |
| Unverifiable Information | 5 | $1,025,000 | $205,000 | $325,000 | $136,000 | $347,000 |
| Other | 3 | $535,000 | $178,000 | $195,000 | $99,000 | $197,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $85,000 | $85,000 | $85,000 | $74,000 | $74,000 |
| 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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