Upshur County, WV Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 777 mortgage applications in Upshur County, WV totaling $146.3 million, down 13% from 2008. The average application was for $188,000, and applicants reported an average income of $63,000. 51% of applications resulted in an originated loan and 25% were denied. The most active lender was First Community Bank, N. A., with 133 applications, followed by Wells Fargo Bank, NA and JPMorgan Chase Bank, NA.
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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 | 777 |
| Total Mortgage Loan Application Amount | $146,274,000 |
| Average Mortgage Loan Application Amount | $188,000 |
| Highest Mortgage Loan Application Amount | $60,000,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $550,000 |
* 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 |
|---|---|---|---|---|
| First Community Bank, N. A. P O BOX 989 BLUEFIELD, VA 24605 |
* | $ 2,103,444,000 | 133 | $ 11,726,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 75 | $ 8,173,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 63 | $ 7,794,000 |
| Citizens Deposit Bank & Trust PO BOX 9 10 SECOND STREET VANCEBURG, KY 41179 |
* | $ 125,533,000 | 52 | $ 5,978,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 41 | $ 5,020,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 34 | $ 3,010,000 |
| Progressive Bank, National Association 1701 WARWOOD AVENUE, PO BOX 4075 WHEELING, WV 26003 |
* | $ 257,765,000 | 34 | $ 1,964,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 53,586,626,000 | 31 | $ 3,433,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 29 | $ 3,698,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 19 | $ 2,139,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 16 | $ 2,268,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 15 | $ 2,838,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 15 | $ 939,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 14 | $ 1,570,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 12 | $ 1,484,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 4,186,130,000 | 9 | $ 660,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 9 | $ 698,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 443,275,000 | 8 | $ 738,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 8 | $ 398,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 8 | $ 1,224,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 7 | $ 909,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 5,196,684,000 | 7 | $ 981,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 7 | $ 1,120,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 7 | $ 1,870,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 6 | $ 637,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 6 | $ 732,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 5 | $ 364,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 5 | $ 697,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 5 | $ 516,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 4 | $ 651,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,552,914,000 | 4 | $ 591,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 4 | $ 541,000 |
| Bank of Gassaway 700 ELK ST. GASSAWAY, WV 26624 |
* | $ 166,611,000 | 4 | $ 343,000 |
| Mvb Bank, Inc. 113 PLATINUM DRIVE SUITE H BRIDGEPORT, WV 26330 |
* | $ 258,526,000 | 3 | $ 462,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 3 | $ 329,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 424,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 2 | $ 318,000 |
| Pendleton Community Bank 128 N MAIN ST FRANKLIN, WV 26807 |
* | $ 203,807,000 | 2 | $ 233,000 |
| Fairmont Federal Credit Union PO BOX 2139 FAIRMONT, WV 26554 |
* | $ 202,769,000 | 2 | $ 207,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 158,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 36,000,000,000 | 2 | $ 301,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 12,942,945,000 | 2 | $ 423,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 2 | $ 125,000 |
| Somerset Trust Company 151 WEST MAIN STREET SOMERSET, PA 15501 |
* | $ 500,205,000 | 2 | $ 231,000 |
| Citizens Nb of Paintsville PO BOX 1488 PAINTSVILLE, KY 41240 |
* | $ 573,031,000 | 2 | $ 76,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 1 | $ 14,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 101,868,610,000 | 1 | $ 117,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 86,000 |
| First National Bank of Pa 166 MAIN ST GREENVILLE, PA 16125 |
* | $ 8,210,895,000 | 1 | $ 70,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 1 | $ 48,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 146,000 |
| Putnam County Bank P.O. BOX 308 HURRICANE, WV 25526 |
* | $ 493,738,000 | 1 | $ 275,000 |
| Sterling National Mortgage Co. 98 CUTTERMILL RD GREAT NECK, NY 11021 |
* | $ 964,388,000 | 1 | $ 97,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 1 | $ 154,000 |
| The Grant County Bank P. O. BOX 929 PETERSBURG, WV 26847 |
* | $ 231,800,000 | 1 | $ 110,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 479,176,000 | 1 | $ 186,000 |
| First Federal S&L Greene Co. 25 EAST HIGH STREET WAYNESBURG, PA 15370 |
* | $ 635,241,000 | 1 | $ 73,000 |
| Discover Bank 502 EAST MARKET STREET GREENWOOD, DE 19950 |
* | $ 36,276,270,000 | 1 | $ 5,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 1 | $ 138,000 |
| Star USA Federal Credit Union ONE CANTLEY DRIVE CHARLESTON, WV 25314 |
* | $ 135,962,000 | 1 | $ 112,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 1 | $ 81,000 |
| Cwcapital LLC 63 KENDRICK STREET NEEDHAM, MA 02494 |
* | $ 31,000,000 | 1 | $ 60,000,000 |
| Shelter Mortgage Company, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 12,000,000 | 1 | $ 239,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 1 | $ 189,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 91,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA, 2-14-05 COLUMBUS, OH 43215 |
* | $ 2,246,123,000 | 1 | $ 75,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 1 | $ 91,000 |
| American Sterling Bank 535 S STERLING SUGAR CREEK, MO 64054 |
* | $ 165,774,000 | 1 | $ 112,000 |
| Guaranty Bank, FSB 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 1,629,217,000 | 1 | $ 239,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 1 | $ 19,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 171,000 |
| Allied Home Mortgage Corp. 6110 PINEMONT DR., STE. 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 191,000 |
| Pinnacle Mortgage Group, Inc. 3605 SOUTH TELLER ST LAKEWOOD, CO 80235 |
* | $ 10,000,000 | 1 | $ 160,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 1 | $ 20,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 176,000 |
The tables below break down 2009 mortgage applications in Upshur 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 Upshur 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 | 471 | $116,526,000 | $247,000 | $60,000,000 | $67,000 | $451,000 |
| Home Purchase | 246 | $26,977,000 | $109,000 | $1,000,000 | $57,000 | $550,000 |
| Home Improvement | 60 | $2,771,000 | $46,000 | $180,000 | $61,000 | $211,000 |
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 | 662 | $70,633,000 | $106,000 | $417,000 | $64,000 | $470,000 |
| Not Provided | 61 | $9,267,000 | $151,000 | $1,000,000 | $70,000 | $360,000 |
| Not applicable | 42 | $65,072,000 | $1,549,000 | $60,000,000 | $21,000 | $375,000 |
| Hispanic | 7 | $696,000 | $99,000 | $153,000 | $113,000 | $451,000 |
| American Indian or Alaskan Native | 3 | $304,000 | $101,000 | $156,000 | $51,000 | $60,000 |
| Asian | 1 | $164,000 | $164,000 | $164,000 | $550,000 | $550,000 |
| Black or African American | 1 | $138,000 | $138,000 | $138,000 | $40,000 | $40,000 |
| 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) | 571 | $62,419,000 | $109,000 | $1,000,000 | $69,000 | $550,000 |
| FHA-insured (Federal Housing Administration) | 148 | $77,460,000 | $523,000 | $60,000,000 | $51,000 | $136,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 38 | $3,484,000 | $91,000 | $160,000 | $38,000 | $83,000 |
| VA-guaranteed (Veterans Administration) | 20 | $2,911,000 | $145,000 | $413,000 | $42,000 | $224,000 |
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 | 394 | $102,764,000 | $260,000 | $60,000,000 | $70,000 | $550,000 |
| Application Denied By Financial Institution | 193 | $20,343,000 | $105,000 | $1,000,000 | $54,000 | $451,000 |
| Loan Purchased By The Institution | 81 | $10,409,000 | $128,000 | $635,000 | $42,000 | $375,000 |
| Application Withdrawn By Applicant | 66 | $8,300,000 | $125,000 | $417,000 | $74,000 | $360,000 |
| Application Approved But Not Accepted | 26 | $2,627,000 | $101,000 | $200,000 | $82,000 | $244,000 |
| File Closed For Incompleteness | 16 | $1,741,000 | $108,000 | $345,000 | $46,000 | $150,000 |
| Preapproval Denied by Financial Institution | 1 | $90,000 | $90,000 | $90,000 | $122,000 | $122,000 |
| Preapproval Approved but not Accepted | 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 | 56 | $4,618,000 | $82,000 | $400,000 | $52,000 | $142,000 |
| Collateral | 40 | $5,340,000 | $133,000 | $417,000 | $71,000 | $137,000 |
| Debt-To-Income Ratio | 27 | $3,150,000 | $116,000 | $390,000 | $32,000 | $88,000 |
| Credit Application Incomplete | 13 | $2,312,000 | $177,000 | $1,000,000 | $91,000 | $451,000 |
| Other | 6 | $521,000 | $86,000 | $169,000 | $50,000 | $102,000 |
| Employment History | 5 | $602,000 | $120,000 | $196,000 | $51,000 | $105,000 |
| Mortgage Insurance Denied | 3 | $529,000 | $176,000 | $260,000 | $72,000 | $89,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $96,000 | $48,000 | $53,000 | $22,000 | $27,000 |
| Unverifiable Information | 2 | $177,000 | $88,000 | $90,000 | $38,000 | $46,000 |
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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