Taylor County, WV Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 470 mortgage applications in Taylor County, WV totaling $48.4 million, down 10% from 2010. The average application was for $103,000, and applicants reported an average income of $64,000. 53% of applications resulted in an originated loan and 22% were denied. The most active lender was Truist Bank, with 104 applications, followed by Huntington National Bank and First Community Bank.

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Total Number of Mortgage Applications 470
Total Mortgage Loan Application Amount $48,424,000
Average Mortgage Loan Application Amount $103,000
Highest Mortgage Loan Application Amount $417,000
Average Applicant Income $64,000
Highest Applicant Income $696,000

Mortgage Company List for Lending in Taylor County, WV for 2011

* 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
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 104 $ 9,354,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 52,799,993,000 43 $ 4,301,000
First Community Bank
29 COLLEGE DR
BLUEFIELD, VA 24605
* $ 2,227,739,000 34 $ 2,310,000
Mvb Bank, Inc.
113 PLATINUM DRIVE SUITE H
BRIDGEPORT, WV 26330
* $ 413,787,000 31 $ 5,157,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 31 $ 3,612,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 5,348,107,000 15 $ 2,139,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 14 $ 1,755,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 13 $ 964,000
Justice Federal Credit Union
5175 PARKSTONE DRIVE, STE. 200
CHANTILLY, VA 20151
* $ 512,226,000 13 $ 666,000
First Federal Savings and Loan
25 E HIGH ST
WAYNESBURG, PA 15370
* $ 791,934,000 11 $ 1,702,000
Fairmont Federal Credit Union
PO BOX 2139
FAIRMONT, WV 26554
* $ 241,393,000 8 $ 800,000
Chessie Federal Credit Union
15 COMMERCE DRIVE
CUMBERLAND, MD 21502
* $ 221,623,000 8 $ 372,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 8 $ 481,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 8 $ 787,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 8 $ 874,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 8 $ 696,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 7 $ 552,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ 435,000,000 6 $ 368,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 6 $ 540,000
Centra Bank Inc (Wv)
990 ELMER PRINCE DRIVE
MORGANTOWN, WV 26505
* $ 1,373,401,000 6 $ 775,000
First Exchange Bank
11 W MAIN ST.
WHITE HALL, WV 26554
* $ 203,203,000 6 $ 613,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 5 $ 681,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 5 $ 704,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 4 $ 375,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 4 $ 601,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 3 $ 673,000
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ 2,613,220,000 3 $ 239,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 91,413,704,000 2 $ 316,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 2 $ 141,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,001,416,000 2 $ 106,000
United Bank Inc
5TH & AVERY/UNITED SQUARE
PARKERSBURG, WV 26102
* $ 3,465,028,000 2 $ 110,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ 2,046,971,000 2 $ 100,000
Firstenergy Choice Federal Cre
161 OLD ROUTE 30, SUITE 2
GREENSBURG, PA 15601
* $ 50,547,000 2 $ 126,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,919,054,000 2 $ 80,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 2 $ 125,000
Farm Credit of the Virginias, Aca
106 SANGERS LANE
STAUNTON, VA 24401
* $ 1,007,892,000,000 2 $ 457,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 2 $ 245,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 2 $ 160,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 2 $ 587,000
Allquest Home Mortgage Corpora
6110 PINEMONT DR, STE 220
HOUSTON, TX 77092
* $ 10,000,000 2 $ 275,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 2 $ 30,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 2 $ 231,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 81,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 1 $ 62,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 1 $ 30,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 1 $ 59,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 1 $ 80,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 1 $ 111,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 175,000
Corridor Mortgage Group, Inc.
11085 STRATFIELD COURT
MARRIOTTSVILLE, MD 21104
* $ 605,000,000 1 $ 114,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 1 $ 109,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 177,000
Priority Mortgage Corp.
150 E WILSON BRIDGE RD STE 350
WORTHINGTON, OH 43085
* $ 10,000,000 1 $ 140,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 1 $ 144,000
Lsi Mortgage Plus
6470 E JOHNS CROSSING STE 400
DULUTH, GA 30097
* $ 1,704,000 1 $ 1,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 42,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 91,000
Bayer Hfcu
788 N STATE ROUTE 2
NEW MARTINSVILLE, WV 26155
* $ 243,257,000 1 $ 36,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 1 $ 88,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 555,205,000 1 $ 59,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 3,942,789,000 1 $ 25,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 652,138,000 1 $ 268,000

The tables below break down 2011 mortgage applications in Taylor 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 Taylor County, 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 218 $23,793,000 $109,000 $417,000 $62,000 $404,000
Home Purchase 198 $22,256,000 $112,000 $308,000 $61,000 $564,000
Home Improvement 54 $2,375,000 $43,000 $268,000 $84,000 $696,000

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 373 $36,944,000 $99,000 $417,000 $67,000 $696,000
Not Provided 69 $8,085,000 $117,000 $294,000 $71,000 $230,000
Not applicable 27 $3,238,000 $119,000 $308,000 $4,000 $114,000
American Indian or Alaskan Native 1 $157,000 $157,000 $157,000 $41,000 $41,000
Asian 0 $0 $0 $0 $0 $0
Black or African American 0 $0 $0 $0 $0 $0
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) 352 $34,297,000 $97,000 $417,000 $71,000 $696,000
FHA-insured (Federal Housing Administration) 79 $9,556,000 $120,000 $262,000 $47,000 $128,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 20 $1,962,000 $98,000 $170,000 $42,000 $73,000
VA-guaranteed (Veterans Administration) 19 $2,609,000 $137,000 $308,000 $27,000 $121,000

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 249 $26,276,000 $105,000 $417,000 $68,000 $696,000
Application Denied By Financial Institution 105 $8,487,000 $80,000 $260,000 $67,000 $564,000
Application Withdrawn By Applicant 39 $5,008,000 $128,000 $308,000 $68,000 $181,000
Loan Purchased By The Institution 37 $4,826,000 $130,000 $308,000 $23,000 $124,000
Application Approved But Not Accepted 24 $1,946,000 $81,000 $313,000 $54,000 $125,000
File Closed For Incompleteness 16 $1,881,000 $117,000 $190,000 $79,000 $230,000
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 33 $1,696,000 $51,000 $144,000 $61,000 $132,000
Collateral 21 $2,172,000 $103,000 $246,000 $78,000 $224,000
Debt-To-Income Ratio 11 $1,307,000 $118,000 $230,000 $53,000 $156,000
Other 8 $662,000 $82,000 $249,000 $114,000 $492,000
Credit Application Incomplete 4 $409,000 $102,000 $164,000 $53,000 $65,000
Employment History 4 $265,000 $66,000 $173,000 $52,000 $103,000
Insufficient Cash (Downpayment, Closing Cost) 2 $375,000 $187,000 $260,000 $89,000 $98,000
Mortgage Insurance Denied 1 $179,000 $179,000 $179,000 $76,000 $76,000
Unverifiable Information 1 $45,000 $45,000 $45,000 $21,000 $21,000

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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