Summers County, WV Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 222 mortgage applications in Summers County, WV totaling $19.6 million, down 24% from 2009. The average application was for $88,000, and applicants reported an average income of $62,000. 53% of applications resulted in an originated loan and 23% were denied. The most active lender was City National Bank of Wv, with 70 applications, followed by Branch Banking and Trust Co and First Community Bank, N. A..
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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 | 222 |
| Total Mortgage Loan Application Amount | $19,622,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $600,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $935,000 |
| 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 |
* | $ 2,601,971,000 | 70 | $ 4,877,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 27 | $ 2,460,000 |
| First Community Bank, N. A. P O BOX 989 BLUEFIELD, VA 24605 |
* | $ 2,248,991,000 | 21 | $ 1,406,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 12 | $ 1,309,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 11 | $ 1,191,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 10 | $ 1,072,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 7 | $ 680,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 6 | $ 322,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 5 | $ 490,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 5 | $ 302,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 4 | $ 238,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 51,111,245,000 | 3 | $ 338,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 194,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 3 | $ 249,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 3 | $ 343,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 313,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 211,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 1,570,384,000 | 2 | $ 223,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 179,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 1 | $ 50,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 1 | $ 89,000 |
| Community Bank the Chesapeake 3035 LEONARDTOWN ROAD WALDORF, MD 20601 |
* | $ 812,715,000 | 1 | $ 600,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 1 | $ 140,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 1 | $ 91,000 |
| New Peoples Bank, Inc PO BOX 1810 HONAKER, VA 24260 |
* | $ 858,068,000 | 1 | $ 3,000 |
| Whitesville State Bank 38609 COAL RIVER ROAD WHITESVILLE, WV 25209 |
* | $ 67,963,000 | 1 | $ 61,000 |
| Northwest Federal Credit Union 220 SPRING STREET HERNDON, VA 20170 |
* | $ 1,950,258,000 | 1 | $ 315,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 1 | $ 70,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 1 | $ 181,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 91,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 90,000 |
| West Virginia Federal Credit Union 318 5TH AVENUE SOUTH CHARLESTON, WV 25303 |
* | $ 134,667,000 | 1 | $ 27,000 |
| Direct Mortgage Corp 13894 S BANGERTER PARKWAY SUITE 200 DRAPER, UT 84020 |
* | $ 10,000,000 | 1 | $ 226,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 91,000 |
The tables below break down 2010 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 2010
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 | 115 | $11,996,000 | $104,000 | $600,000 | $69,000 | $935,000 |
| Home Purchase | 74 | $6,266,000 | $84,000 | $252,000 | $53,000 | $137,000 |
| Home Improvement | 33 | $1,360,000 | $41,000 | $175,000 | $58,000 | $199,000 |
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 | 201 | $17,413,000 | $86,000 | $600,000 | $63,000 | $935,000 |
| Not Provided | 10 | $1,119,000 | $111,000 | $197,000 | $82,000 | $240,000 |
| Not applicable | 8 | $815,000 | $101,000 | $153,000 | $0 | $0 |
| Black or African American | 2 | $97,000 | $48,000 | $94,000 | $34,000 | $38,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $178,000 | $178,000 | $178,000 | $68,000 | $68,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 176 | $15,240,000 | $86,000 | $600,000 | $66,000 | $935,000 |
| FHA-insured (Federal Housing Administration) | 29 | $2,719,000 | $93,000 | $197,000 | $50,000 | $91,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,319,000 | $101,000 | $226,000 | $32,000 | $123,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $344,000 | $86,000 | $96,000 | $44,000 | $50,000 |
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 | 117 | $10,414,000 | $89,000 | $600,000 | $71,000 | $935,000 |
| Application Denied By Financial Institution | 52 | $4,014,000 | $77,000 | $280,000 | $47,000 | $218,000 |
| Application Withdrawn By Applicant | 24 | $2,425,000 | $101,000 | $315,000 | $60,000 | $132,000 |
| Application Approved But Not Accepted | 13 | $1,139,000 | $87,000 | $252,000 | $79,000 | $200,000 |
| Loan Purchased By The Institution | 13 | $1,410,000 | $108,000 | $197,000 | $24,000 | $72,000 |
| File Closed For Incompleteness | 3 | $220,000 | $73,000 | $120,000 | $44,000 | $60,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 14 | $1,083,000 | $77,000 | $280,000 | $32,000 | $84,000 |
| Collateral | 12 | $1,210,000 | $100,000 | $179,000 | $64,000 | $137,000 |
| Credit History | 12 | $656,000 | $54,000 | $110,000 | $44,000 | $139,000 |
| Credit Application Incomplete | 3 | $392,000 | $130,000 | $170,000 | $52,000 | $91,000 |
| Other | 3 | $134,000 | $44,000 | $65,000 | $95,000 | $218,000 |
| Employment History | 1 | $104,000 | $104,000 | $104,000 | $54,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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