Steubenville-Weirton, OH-WV Metro Area Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 4,164 mortgage applications in Steubenville-Weirton, OH-WV metro area totaling $358.6 million, up 23% from 2011. The average application was for $86,118, and applicants reported an average income of $64,301. 56% of applications resulted in an originated loan and 26% were denied. The most active lender was Huntington National Bank, with 567 applications, followed by Hancock County Savings Bank, FSB and US Bk NA Nd.
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Top Mortgage Lenders in Steubenville-Weirton, OH-WV Metro Area (2012)
Ranked by the number of mortgage applications each lender reported in Steubenville-Weirton, OH-WV metro area in 2012.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Huntington National Bank Columbus, OH |
567 | $43,062,000 | $75,000 | $64,000 |
| 2 | Hancock County Savings Bank, FSB Chester, WV |
564 | $56,551,000 | $100,000 | $73,000 |
| 3 | US Bk NA Nd Fargo, ND |
286 | $17,038,000 | $59,000 | $56,000 |
| 4 | PNC Bank N.A. Pittsburgh, PA |
194 | $14,753,000 | $76,000 | $67,000 |
| 5 | First National Bank of Pa Hermitage, PA |
170 | $10,076,000 | $59,000 | $66,000 |
| 6 | Huntington National Bank Columbus, OH |
170 | $13,215,000 | $77,000 | $71,000 |
| 7 | JPMorgan Chase Bank, NA Columbus, OH |
144 | $13,174,000 | $91,000 | $58,000 |
| 8 | First National Bank of Pa Hermitage, PA |
120 | $8,577,000 | $71,000 | $65,000 |
| 9 | US Bank, N.A. Cincinnati, OH |
116 | $10,659,000 | $91,000 | $55,000 |
| 10 | Wesbanco Bank, Inc. Wheeling, WV |
111 | $10,758,000 | $96,000 | $84,000 |
See every lender active in Steubenville-Weirton, OH-WV metro area in 2012 »
The tables below break down 2012 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 2012
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 | 2,475 | $240,946,000 | $97,000 | $1,400,000 | $68,000 | $1,390,000 |
| Home Purchase | 1,096 | $93,076,000 | $84,000 | $748,000 | $57,000 | $802,000 |
| Home Improvement | 593 | $24,577,000 | $41,000 | $625,000 | $61,000 | $1,365,000 |
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 | 3,654 | $311,833,000 | $85,000 | $1,291,000 | $66,000 | $1,390,000 |
| Not Provided | 226 | $20,784,000 | $91,000 | $400,000 | $74,000 | $1,365,000 |
| Not applicable | 187 | $18,376,000 | $98,000 | $1,400,000 | $10,000 | $166,000 |
| Black or African American | 47 | $2,735,000 | $58,000 | $228,000 | $60,000 | $760,000 |
| Hispanic | 28 | $2,180,000 | $77,000 | $203,000 | $58,000 | $326,000 |
| Asian | 14 | $1,822,000 | $130,000 | $417,000 | $112,000 | $324,000 |
| American Indian or Alaskan Native | 5 | $596,000 | $119,000 | $244,000 | $53,000 | $65,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $273,000 | $91,000 | $126,000 | $83,000 | $133,000 |
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) | 3,238 | $270,770,000 | $83,000 | $1,291,000 | $71,000 | $1,390,000 |
| FHA-insured (Federal Housing Administration) | 672 | $62,039,000 | $92,000 | $1,400,000 | $44,000 | $225,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 139 | $11,301,000 | $81,000 | $168,000 | $34,000 | $71,000 |
| VA-guaranteed (Veterans Administration) | 115 | $14,489,000 | $125,000 | $504,000 | $43,000 | $189,000 |
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 | 2,346 | $213,342,000 | $90,000 | $1,400,000 | $72,000 | $1,390,000 |
| Application Denied By Financial Institution | 1,067 | $72,968,000 | $68,000 | $355,000 | $60,000 | $1,365,000 |
| Loan Purchased By The Institution | 342 | $33,917,000 | $99,000 | $504,000 | $31,000 | $187,000 |
| Application Withdrawn By Applicant | 204 | $19,999,000 | $98,000 | $446,000 | $61,000 | $350,000 |
| Application Approved But Not Accepted | 129 | $11,050,000 | $85,000 | $625,000 | $62,000 | $334,000 |
| File Closed For Incompleteness | 76 | $7,323,000 | $96,000 | $215,000 | $55,000 | $175,000 |
| 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 | 407 | $20,087,000 | $49,000 | $259,000 | $59,000 | $1,365,000 |
| Collateral | 210 | $19,037,000 | $90,000 | $326,000 | $69,000 | $498,000 |
| Credit Application Incomplete | 153 | $12,468,000 | $81,000 | $355,000 | $69,000 | $292,000 |
| Debt-To-Income Ratio | 105 | $7,484,000 | $71,000 | $285,000 | $44,000 | $275,000 |
| Other | 50 | $3,642,000 | $72,000 | $184,000 | $60,000 | $226,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 32 | $2,807,000 | $87,000 | $249,000 | $82,000 | $236,000 |
| Unverifiable Information | 11 | $983,000 | $89,000 | $167,000 | $66,000 | $121,000 |
| Employment History | 5 | $273,000 | $54,000 | $108,000 | $24,000 | $78,000 |
| Mortgage Insurance Denied | 2 | $220,000 | $110,000 | $134,000 | $93,000 | $133,000 |
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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