Roane County, WV Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 366 mortgage applications in Roane County, WV totaling $37.4 million, down 7% from 2015. The average application was for $102,000, and applicants reported an average income of $55,000. 41% of applications resulted in an originated loan and 30% were denied. The most active lender was The Poca Valley Bank, with 90 applications, followed by Vanderbilt Mortgage and Finance, Inc and Premier Bank, 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 | 366 |
| Total Mortgage Loan Application Amount | $37,398,000 |
| Average Mortgage Loan Application Amount | $102,000 |
| Highest Mortgage Loan Application Amount | $958,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $780,000 |
* 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 |
* | $ 327,887,000 | 90 | $ 8,751,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 63 | $ 4,627,000 |
| Premier Bank, Inc. 601 WASHINGTON STREET RAVENSWOOD, WV 26164 |
* | $ 849,582,000 | 39 | $ 3,678,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 13 | $ 1,819,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 10 | $ 1,994,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 7 | $ 741,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 7 | $ 724,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 3,696,846,000 | 7 | $ 650,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 6 | $ 318,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ 12,167,000 | 6 | $ 977,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 5 | $ 168,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 5,346,724,000 | 5 | $ 340,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 5 | $ 577,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 5 | $ 614,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 598,000 |
| Clay County Bank PO BOX 239 CLAY, WV 25125 |
* | $ 82,638,000 | 4 | $ 262,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 4 | $ 80,000 |
| Pioneer Appalachia Federal Credit Union 1316 KANAWHA BLVD., E. CHARLESTON, WV 25301 |
* | $ 196,055,000 | 4 | $ 271,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 70,879,778,000 | 3 | $ 20,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 3 | $ 107,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 3 | $ 468,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 3 | $ 329,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 2 | $ 192,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 191,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 2 | $ 319,000 |
| Community Federal Savings Bank 89-16 JAMAICA AVENUE WOODHAVEN, NY 11421 |
* | $ 161,130,000 | 2 | $ 167,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 234,265,000 | 2 | $ 473,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 2 | $ 202,000 |
| Camc Federal Credit Union 3400 MACCORKLE AVENUE SE CHARLESTON, WV 25304 |
* | $ 61,841,000 | 2 | $ 174,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,764,654,000 | 2 | $ 132,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 2 | $ 425,000 |
| Reliant Bank 1736 CAROTHERS PARKWAY BRENTWOOD, TN 37027 |
* | $ 878,814,000 | 2 | $ 172,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 2 | $ 450,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,077,735,000 | 2 | $ 538,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 407,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 1 | $ 262,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 138,620,635,000 | 1 | $ 70,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 1 | $ 88,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 504,343,000 | 1 | $ 65,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ 8,226,000 | 1 | $ 151,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 160,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 8,452,898,000 | 1 | $ 8,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 1 | $ 103,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 120,000 |
| Peoples Federal Credit Union 419 FIRST AVENUE SOUTH NITRO, WV 25143 |
* | $ 87,653,000 | 1 | $ 60,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 85,747,508,000 | 1 | $ 25,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 31,272,894,000 | 1 | $ 233,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 1 | $ 120,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 1 | $ 122,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 1 | $ 117,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 197,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 822,669,000 | 1 | $ 22,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 1 | $ 88,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 150,000 |
| Peoples Bank 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 3,249,718,000 | 1 | $ 105,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 44,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 127,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 86,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 188,000 |
The tables below break down 2016 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 2016
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 | 214 | $20,270,000 | $94,000 | $400,000 | $54,000 | $400,000 |
| Refinancing | 116 | $14,595,000 | $125,000 | $398,000 | $61,000 | $780,000 |
| Home Improvement | 36 | $2,533,000 | $70,000 | $958,000 | $46,000 | $148,000 |
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 | 317 | $31,095,000 | $98,000 | $400,000 | $55,000 | $400,000 |
| Not Provided | 26 | $2,410,000 | $92,000 | $398,000 | $80,000 | $780,000 |
| Not applicable | 17 | $3,038,000 | $178,000 | $958,000 | $24,000 | $113,000 |
| Black or African American | 3 | $284,000 | $94,000 | $123,000 | $28,000 | $35,000 |
| American Indian or Alaskan Native | 2 | $388,000 | $194,000 | $194,000 | $83,000 | $83,000 |
| Hispanic | 1 | $183,000 | $183,000 | $183,000 | $62,000 | $62,000 |
| Native Hawaiin 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) | 284 | $27,585,000 | $97,000 | $958,000 | $60,000 | $780,000 |
| FHA-insured (Federal Housing Administration) | 42 | $4,269,000 | $101,000 | $216,000 | $38,000 | $91,000 |
| VA-guaranteed (Veterans Administration) | 23 | $3,993,000 | $173,000 | $390,000 | $55,000 | $122,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,551,000 | $91,000 | $152,000 | $27,000 | $74,000 |
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 | 151 | $16,660,000 | $110,000 | $958,000 | $62,000 | $304,000 |
| Application Denied By Financial Institution | 109 | $9,170,000 | $84,000 | $398,000 | $54,000 | $780,000 |
| File Closed For Incompleteness | 39 | $3,367,000 | $86,000 | $262,000 | $45,000 | $90,000 |
| Application Withdrawn By Applicant | 26 | $3,417,000 | $131,000 | $400,000 | $57,000 | $400,000 |
| Loan Purchased By The Institution | 21 | $2,824,000 | $134,000 | $286,000 | $36,000 | $113,000 |
| Application Approved But Not Accepted | 20 | $1,960,000 | $98,000 | $310,000 | $52,000 | $106,000 |
| 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 | $781,000 | $45,000 | $215,000 | $39,000 | $86,000 |
| Debt-To-Income Ratio | 9 | $1,232,000 | $136,000 | $390,000 | $51,000 | $121,000 |
| Collateral | 8 | $1,092,000 | $136,000 | $398,000 | $166,000 | $780,000 |
| Other | 2 | $217,000 | $108,000 | $122,000 | $44,000 | $88,000 |
| Unverifiable Information | 1 | $81,000 | $81,000 | $81,000 | $36,000 | $36,000 |
| Credit Application Incomplete | 1 | $66,000 | $66,000 | $66,000 | $20,000 | $20,000 |
| 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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