Steubenville-Weirton, OH-WV Metro Area Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 3,392 mortgage applications in Steubenville-Weirton, OH-WV metro area totaling $287.2 million, down 11% from 2010. The average application was for $84,682, and applicants reported an average income of $60,287. 49% of applications resulted in an originated loan and 27% were denied. The most active lender was Huntington National Bank, with 518 applications, followed by Hancock County Savings Bank, FSB and Huntington National Bank.
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Top Mortgage Lenders in Steubenville-Weirton, OH-WV Metro Area (2011)
Ranked by the number of mortgage applications each lender reported in Steubenville-Weirton, OH-WV metro area in 2011.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Huntington National Bank Columbus, OH |
518 | $42,261,000 | $81,000 | $63,000 |
| 2 | Hancock County Savings Bank, FSB Chester, WV |
317 | $23,834,000 | $75,000 | $63,000 |
| 3 | Huntington National Bank Columbus, OH |
170 | $14,484,000 | $85,000 | $69,000 |
| 4 | US Bk NA Nd Fargo, ND |
168 | $9,792,000 | $58,000 | $56,000 |
| 5 | PNC Bank N.A. Pittsburgh, PA |
143 | $8,599,000 | $60,000 | $60,000 |
| 6 | JPMorgan Chase Bank, NA Columbus, OH |
130 | $10,861,000 | $83,000 | $48,000 |
| 7 | US Bank, N.A. Cincinnati, OH |
118 | $9,888,000 | $83,000 | $48,000 |
| 8 | Wesbanco Bank, Inc. Wheeling, WV |
110 | $8,982,000 | $81,000 | $65,000 |
| 9 | Embrace Home Loans, Inc. Middletown, RI |
95 | $7,621,000 | $80,000 | $46,000 |
| 10 | First Choice America Community Weirton, WV |
84 | $7,855,000 | $93,000 | $91,000 |
See every lender active in Steubenville-Weirton, OH-WV metro area in 2011 »
The tables below break down 2011 mortgage applications in Steubenville-Weirton, OH-WV metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Steubenville-Weirton, OH-WV in 2011
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 | 1,932 | $184,438,000 | $95,000 | $730,000 | $65,000 | $1,433,000 |
| Home Purchase | 1,044 | $87,613,000 | $83,000 | $488,000 | $52,000 | $542,000 |
| Home Improvement | 416 | $15,191,000 | $36,000 | $417,000 | $60,000 | $352,000 |
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 | 2,926 | $244,403,000 | $83,000 | $730,000 | $61,000 | $1,321,000 |
| Not Provided | 224 | $21,516,000 | $96,000 | $636,000 | $72,000 | $1,433,000 |
| Not applicable | 154 | $13,822,000 | $89,000 | $430,000 | $15,000 | $137,000 |
| Black or African American | 44 | $3,590,000 | $81,000 | $485,000 | $53,000 | $140,000 |
| Hispanic | 18 | $1,847,000 | $102,000 | $208,000 | $64,000 | $135,000 |
| Asian | 14 | $1,244,000 | $88,000 | $292,000 | $112,000 | $696,000 |
| American Indian or Alaskan Native | 11 | $725,000 | $65,000 | $239,000 | $64,000 | $213,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $95,000 | $95,000 | $95,000 | $57,000 | $57,000 |
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) | 2,444 | $199,353,000 | $81,000 | $730,000 | $66,000 | $1,433,000 |
| FHA-insured (Federal Housing Administration) | 684 | $62,002,000 | $90,000 | $324,000 | $48,000 | $464,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 157 | $12,815,000 | $81,000 | $176,000 | $32,000 | $92,000 |
| VA-guaranteed (Veterans Administration) | 107 | $13,072,000 | $122,000 | $498,000 | $47,000 | $138,000 |
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 | 1,675 | $145,473,000 | $86,000 | $600,000 | $66,000 | $1,321,000 |
| Application Denied By Financial Institution | 910 | $66,272,000 | $72,000 | $500,000 | $57,000 | $542,000 |
| Loan Purchased By The Institution | 376 | $35,683,000 | $94,000 | $498,000 | $38,000 | $440,000 |
| Application Withdrawn By Applicant | 253 | $24,357,000 | $96,000 | $636,000 | $66,000 | $1,433,000 |
| Application Approved But Not Accepted | 124 | $10,069,000 | $81,000 | $730,000 | $61,000 | $399,000 |
| File Closed For Incompleteness | 54 | $5,388,000 | $99,000 | $485,000 | $63,000 | $189,000 |
| 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 | 309 | $18,076,000 | $58,000 | $500,000 | $55,000 | $353,000 |
| Collateral | 201 | $18,801,000 | $93,000 | $403,000 | $63,000 | $542,000 |
| Credit Application Incomplete | 116 | $8,387,000 | $72,000 | $260,000 | $71,000 | $400,000 |
| Debt-To-Income Ratio | 86 | $6,706,000 | $77,000 | $373,000 | $43,000 | $218,000 |
| Other | 44 | $3,128,000 | $71,000 | $162,000 | $56,000 | $132,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 20 | $2,015,000 | $100,000 | $190,000 | $72,000 | $220,000 |
| Mortgage Insurance Denied | 5 | $530,000 | $106,000 | $165,000 | $46,000 | $63,000 |
| Unverifiable Information | 3 | $173,000 | $57,000 | $75,000 | $27,000 | $32,000 |
| Employment History | 1 | $47,000 | $47,000 | $47,000 | $50,000 | $50,000 |
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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