Summers County, WV Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 294 mortgage applications in Summers County, WV totaling $47.0 million, down 27% from 2008. The average application was for $160,000, and applicants reported an average income of $62,000. 45% of applications resulted in an originated loan and 28% were denied. The most active lender was City National Bank of Wv, with 94 applications, followed by First Community Bank, N. A. and Branch Banking and Trust Co.
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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 | 294 |
| Total Mortgage Loan Application Amount | $47,041,000 |
| Average Mortgage Loan Application Amount | $160,000 |
| Highest Mortgage Loan Application Amount | $20,263,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $726,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,552,914,000 | 94 | $ 5,440,000 |
| First Community Bank, N. A. P O BOX 989 BLUEFIELD, VA 24605 |
* | $ 2,103,444,000 | 30 | $ 2,612,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 30 | $ 3,217,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 20 | $ 2,838,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 12 | $ 1,948,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 10 | $ 1,177,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 8 | $ 430,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 8 | $ 406,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 6 | $ 425,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 6 | $ 751,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 1,613,240,000 | 5 | $ 333,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 4 | $ 395,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 4 | $ 276,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 423,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 255,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 3 | $ 182,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 3 | $ 177,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 2 | $ 487,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 2 | $ 187,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 427,899,000 | 2 | $ 326,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 2 | $ 172,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 196,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 443,275,000 | 2 | $ 159,000 |
| New Peoples Bank, Inc PO BOX 1810 HONAKER, VA 24260 |
* | $ 807,237,000 | 2 | $ 95,000 |
| First-Citizens Bank & Trust Co 16 E ROWAN STREET RALEIGH, NC 27609 |
* | $ 13,862,840,000 | 2 | $ 110,000 |
| Citizens Nb of Paintsville PO BOX 1488 PAINTSVILLE, KY 41240 |
* | $ 573,031,000 | 2 | $ 136,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 1 | $ 63,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 65,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 1 | $ 332,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 4,186,130,000 | 1 | $ 40,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 180,373,000 | 1 | $ 249,000 |
| Whitesville State Bank 38609 COAL RIVER ROAD WHITESVILLE, WV 25209 |
* | $ 63,774,000 | 1 | $ 86,000 |
| Columbia Savings Bank 411 LUDLOW AVENUE CINCINNATI, OH 45220 |
* | $ 61,257,000 | 1 | $ 150,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 1 | $ 225,000 |
| Tower Federal Credit Union 7901 SANDY SPRING ROAD LAUREL, MD 20707 |
* | $ 1,851,772,000 | 1 | $ 132,000 |
| Partners Financial Federal C U 1200 NEW YORK AVENUE GLEN ALLEN, VA 23060 |
* | $ 73,533,000 | 1 | $ 6,000 |
| Weststar Mortgage, Inc. 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 1 | $ 107,000 |
| Cwcapital LLC 63 KENDRICK STREET NEEDHAM, MA 02494 |
* | $ 31,000,000 | 1 | $ 20,263,000 |
| Pendleton Community Bank 128 N MAIN ST FRANKLIN, WV 26807 |
* | $ 203,807,000 | 1 | $ 130,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 1 | $ 198,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 1 | $ 66,000 |
| Cgb Agri Financial Services 2209 RIVER ROAD LOUISVILLE, KY 40206 |
* | $ 433,538,000 | 1 | $ 202,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 165,000 |
The tables below break down 2009 mortgage applications in Summers 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 Summers County, WV in 2009
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 | 167 | $37,645,000 | $225,000 | $20,263,000 | $57,000 | $300,000 |
| Home Purchase | 85 | $7,881,000 | $92,000 | $450,000 | $80,000 | $726,000 |
| Home Improvement | 42 | $1,515,000 | $36,000 | $135,000 | $49,000 | $114,000 |
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 | 258 | $23,625,000 | $91,000 | $450,000 | $62,000 | $538,000 |
| Not Provided | 16 | $1,737,000 | $108,000 | $320,000 | $69,000 | $252,000 |
| Not applicable | 13 | $21,141,000 | $1,626,000 | $20,263,000 | $23,000 | $62,000 |
| Black or African American | 5 | $210,000 | $42,000 | $70,000 | $45,000 | $70,000 |
| American Indian or Alaskan Native | 1 | $134,000 | $134,000 | $134,000 | $48,000 | $48,000 |
| Asian | 1 | $194,000 | $194,000 | $194,000 | $726,000 | $726,000 |
| Hispanic | 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) | 242 | $20,988,000 | $86,000 | $450,000 | $66,000 | $726,000 |
| FHA-insured (Federal Housing Administration) | 40 | $24,633,000 | $615,000 | $20,263,000 | $51,000 | $147,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,050,000 | $116,000 | $164,000 | $23,000 | $63,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $370,000 | $123,000 | $156,000 | $45,000 | $51,000 |
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 | 131 | $11,851,000 | $90,000 | $450,000 | $70,000 | $726,000 |
| Application Denied By Financial Institution | 81 | $7,234,000 | $89,000 | $417,000 | $58,000 | $435,000 |
| Application Withdrawn By Applicant | 30 | $2,378,000 | $79,000 | $222,000 | $48,000 | $95,000 |
| Loan Purchased By The Institution | 24 | $22,328,000 | $930,000 | $20,263,000 | $34,000 | $72,000 |
| Application Approved But Not Accepted | 17 | $2,329,000 | $137,000 | $415,000 | $106,000 | $462,000 |
| File Closed For Incompleteness | 11 | $921,000 | $83,000 | $165,000 | $40,000 | $96,000 |
| 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 | 27 | $1,545,000 | $57,000 | $151,000 | $52,000 | $435,000 |
| Debt-To-Income Ratio | 18 | $1,424,000 | $79,000 | $227,000 | $36,000 | $81,000 |
| Collateral | 16 | $2,307,000 | $144,000 | $332,000 | $90,000 | $252,000 |
| Other | 3 | $508,000 | $169,000 | $417,000 | $73,000 | $142,000 |
| Unverifiable Information | 2 | $376,000 | $188,000 | $225,000 | $123,000 | $147,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $86,000 | $86,000 | $86,000 | $47,000 | $47,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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