Roane County, WV Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 724 mortgage applications in Roane County, WV totaling $48.5 million, about the same as 2004. The average application was for $67,000, and applicants reported an average income of $45,000. 39% of applications resulted in an originated loan and 32% were denied. The most active lender was The Poca Valley Bank, with 143 applications, followed by Traders Bank Inc and Beneficial Company LLC.
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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 | 724 |
| Total Mortgage Loan Application Amount | $48,515,000 |
| Average Mortgage Loan Application Amount | $67,000 |
| Highest Mortgage Loan Application Amount | $650,000 |
| Average Applicant Income | $45,000 |
| Highest Applicant Income | $395,000 |
* 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 |
* | $ 207,256,000 | 143 | $ 9,016,000 |
| Traders Bank Inc PO BOX 1009 SPENCER, WV 25276 |
* | $ 110,593,000 | 54 | $ 3,034,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 500,990,000 | 51 | $ 3,406,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 46 | $ 3,163,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 967,365,000,000 | 34 | $ 2,750,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 34 | $ 1,634,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 27 | $ 1,839,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 3,772,888,000 | 25 | $ 1,477,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 128,495,705,000 | 24 | $ 2,256,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,484,101,000,000 | 19 | $ 714,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 74,479,112,000 | 19 | $ 1,041,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,208,826,000 | 13 | $ 356,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 11 | $ 614,000 |
| Decision One Mortgage 26525 N. RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 339,807,228,000 | 10 | $ 616,000 |
| The Ohio Valley Bank Company 420 THIRD AVENUE GALLIPOLIS, OH 45631 |
* | $ 720,869,000 | 9 | $ 289,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 8 | $ 483,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 7 | $ 465,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 7 | $ 758,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 88,743,171,000 | 6 | $ 345,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 6 | $ 475,000 |
| HSBC Mortgage Services, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 18,823,411,000 | 6 | $ 380,000 |
| Homeone Credit Corp. 10700 NORTH FREEWAY #1000 HOUSTON, TX 77037 |
* | $ 10,000,000 | 6 | $ 252,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 272,927,502,000 | 6 | $ 465,000 |
| Wells Fargo Finl West Virginia 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 134,716,000 | 5 | $ 487,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 32,105,960,000 | 5 | $ 556,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 3,880,165,000 | 5 | $ 379,000 |
| Finance America 745 SEVENTH AVENUE, 24TH FLOOR NEW YORK, NY 10019 |
* | $ 250,000,000 | 5 | $ 306,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 5 | $ 212,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 5 | $ 223,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 5 | $ 615,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 1,663,205,000 | 4 | $ 236,000 |
| Franklin Bank SSB 9800 RICHMOND, SUITE 680 HOUSTON, TX 77042 |
* | $ 3,477,922,000 | 4 | $ 341,000 |
| Cuna Mutual Mortgage Corporati 2908 MARKETPLACE DRIVE SUITE 100 MADISON, WI 53719 |
* | $ 10,000,000 | 4 | $ 364,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 4 | $ 459,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 4 | $ 312,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 28,456,701,000 | 4 | $ 177,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 366,256,000,000 | 4 | $ 303,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 3,991,988,000 | 3 | $ 101,000 |
| Tierone Bank 1235 "N" STREET LINCOLN, NE 68508 |
* | $ 3,043,312,000 | 3 | $ 138,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 323,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 130,780,100,000 | 3 | $ 75,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 3 | $ 218,000 |
| Home123 Corporation 3351 MICHELSON DRIVE, SUITE 400 IRVINE, CA 92612 |
* | $ 10,000,000 | 3 | $ 381,000 |
| Mortgage Lenders Network USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 3 | $ 428,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 13,102,536,000 | 3 | $ 261,000 |
| Crevecor Mortgage Inc 1150 HANLEY INDUSTRIAL CRT BRENTWOOD, MO 63144 |
* | $ 12,730,945,000 | 3 | $ 270,000 |
| Clay County Bank PO BOX 239 CLAY, WV 25125 |
* | $ 53,088,000 | 2 | $ 105,000 |
| Citibank, FSB 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 27,779,034,000 | 2 | $ 194,000 |
| Citimortgage, Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 59,720,267,000 | 2 | $ 137,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 771,618,758,000 | 2 | $ 138,000 |
| Camc Federal Credit Union 3400 MACCORKLE AVENUE SE CHARLESTON, WV 25304 |
* | $ 36,856,000 | 2 | $ 43,000 |
| Allied Home Mtg Capital Corp 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 2 | $ 102,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 76,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,456,642,000 | 2 | $ 67,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 2 | $ 38,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 3,919,502,000 | 2 | $ 129,000 |
| Merrill Lynch Mortgage Lending 4 WORLD FINANCIAL CENTER, 12TH FLOOR NEW YORK, NY 10280 |
* | $ 19,717,040,000 | 2 | $ 87,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 352,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 2 | $ 251,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 2 | $ 70,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 194,436,638,000 | 2 | $ 320,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 16,675,614,000 | 2 | $ 132,000 |
| Walter Mortgage Company 4211 W. BOY SCOUT BLVD. TAMPA, FL 33607 |
* | $ 10,000,000 | 2 | $ 256,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 124,250,000 | 1 | $ 100,000 |
| Pioneer Appalachia Federal Credit Union 1316 KANAWHA BLVD., E. CHARLESTON, WV 25301 |
* | $ 109,765,000 | 1 | $ 40,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 40,000 |
| Southstar Funding, LLC 400 NORTHRDIGE ROAD, SUITE 1000 ATLANTA, GA 30350 |
* | $ 10,000,000 | 1 | $ 179,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 603,950,000 | 1 | $ 85,000 |
| Nbank, N.A. 1731 NORTH ELM STREET COMMERCE, GA 30529 |
* | $ 400,062,000 | 1 | $ 120,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Nexstar Financial Corporation 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 11,800,000,000 | 1 | $ 67,000 |
| Northwest Bank 101 W 5TH ST. SPENCER, IA 51301 |
* | $ 472,983,000 | 1 | $ 30,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 1 | $ 48,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 43,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 15,675,394,000 | 1 | $ 60,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 1 | $ 137,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 9,509,064,000 | 1 | $ 46,000 |
| Mortgage Lion, Inc. 327 SOUTH MAIN STREET FITZGERALD, GA 31750 |
* | $ 50,000,000 | 1 | $ 113,000 |
| Mortgage South Inc 5206 MARKEL ROAD STE 100A RICHMOND, VA 23230 |
* | $ 10,000,000 | 1 | $ 91,000 |
| Lasalle Bank NA 135 SOUTH LASALLE STREET, STE 2325 CHICAGO, IL 60603 |
* | $ 63,734,827,000 | 1 | $ 24,000 |
| Greenpoint Mortgage Funding 4 COLISEUM CENTRE, 2730 WEST TYVOLA ROAD CHARLOTTE, NC 28217 |
* | $ 6,677,533,000 | 1 | $ 650,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 7,000,000,000 | 1 | $ 89,000 |
| E*Trade Bank 671 NORTH GLEBE RD, 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 25,545,577,000 | 1 | $ 200,000 |
| Firstmerit Bank NA III CASCADE PLAZA - CAS46 AKRON, OH 44308 |
* | $ 10,103,068,000 | 1 | $ 98,000 |
| Firstmerit Mortgage Corp III CASCADE PLAZA, CAS46 AKRON, OH 44308 |
* | $ 6,000,000,000 | 1 | $ 98,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 1 | $ 193,000 |
The tables below break down 2005 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 2005
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 | 358 | $26,827,000 | $74,000 | $281,000 | $45,000 | $288,000 |
| Home Purchase | 299 | $19,285,000 | $64,000 | $650,000 | $46,000 | $395,000 |
| Home Improvement | 67 | $2,403,000 | $35,000 | $150,000 | $37,000 | $160,000 |
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 | 647 | $42,510,000 | $65,000 | $281,000 | $47,000 | $395,000 |
| Not applicable | 38 | $2,392,000 | $62,000 | $270,000 | $9,000 | $83,000 |
| Not Provided | 31 | $2,941,000 | $94,000 | $650,000 | $40,000 | $113,000 |
| American Indian or Alaskan Native | 2 | $153,000 | $76,000 | $100,000 | $40,000 | $42,000 |
| Asian | 2 | $215,000 | $107,000 | $165,000 | $152,000 | $160,000 |
| Black or African American | 2 | $183,000 | $91,000 | $123,000 | $25,000 | $32,000 |
| Hispanic | 2 | $121,000 | $60,000 | $70,000 | $23,000 | $29,000 |
| 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) | 702 | $46,327,000 | $65,000 | $650,000 | $45,000 | $395,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,128,000 | $86,000 | $140,000 | $33,000 | $58,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $450,000 | $90,000 | $134,000 | $30,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 4 | $610,000 | $152,000 | $270,000 | $28,000 | $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 | 280 | $17,791,000 | $63,000 | $248,000 | $46,000 | $240,000 |
| Application Denied By Financial Institution | 230 | $13,626,000 | $59,000 | $258,000 | $48,000 | $395,000 |
| Application Withdrawn By Applicant | 71 | $6,393,000 | $90,000 | $281,000 | $49,000 | $193,000 |
| Application Approved But Not Accepted | 70 | $4,891,000 | $69,000 | $230,000 | $44,000 | $109,000 |
| Loan Purchased By The Institution | 51 | $3,848,000 | $75,000 | $650,000 | $20,000 | $83,000 |
| File Closed For Incompleteness | 21 | $1,836,000 | $87,000 | $257,000 | $40,000 | $236,000 |
| Preapproval Denied by Financial Institution | 1 | $130,000 | $130,000 | $130,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 57 | $2,563,000 | $44,000 | $128,000 | $36,000 | $178,000 |
| Debt-To-Income Ratio | 24 | $1,477,000 | $61,000 | $150,000 | $29,000 | $88,000 |
| Other | 23 | $1,649,000 | $71,000 | $150,000 | $45,000 | $169,000 |
| Collateral | 19 | $1,301,000 | $68,000 | $160,000 | $82,000 | $395,000 |
| Credit Application Incomplete | 13 | $1,093,000 | $84,000 | $200,000 | $92,000 | $288,000 |
| Employment History | 3 | $107,000 | $35,000 | $90,000 | $33,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $189,000 | $94,000 | $99,000 | $73,000 | $113,000 |
| Unverifiable Information | 2 | $75,000 | $37,000 | $40,000 | $57,000 | $96,000 |
| 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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