Upshur County, WV Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 599 mortgage applications in Upshur County, WV totaling $88.9 million, down 20% from 2021. The average application was for $148,000, and applicants reported an average income of $75,000. 45% of applications resulted in an originated loan and 28% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 97 applications, followed by First Community Bank and Movement Mortgage, LLC.
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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 | 599 |
| Total Mortgage Loan Application Amount | $88,895,000 |
| Average Mortgage Loan Application Amount | $148,000 |
| Highest Mortgage Loan Application Amount | $1,585,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $802,000 |
* 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 |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 97 | $ 12,985,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 3,183,928,000 | 76 | $ 11,310,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 57 | $ 8,135,000 |
| Peoples Bank 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 4,351,191,000 | 28 | $ 1,860,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 173,414,362,000 | 24 | $ 2,290,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 20 | $ 3,370,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 16 | $ 2,880,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 5,955,821,000 | 13 | $ 2,705,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 12 | $ 1,820,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 11 | $ 925,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 9 | $ 1,225,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 8 | $ 1,540,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 8 | $ 650,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 8 | $ 1,300,000 |
| NVR Mortgage Finance, Inc. PITTSBURGH, PA 15276 |
* | $ -1,000 | 6 | $ 1,800,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 6 | $ 870,000 |
| Premier Bank 601 CLINTON STREET YOUNGSTOWN, OH 44503 |
* | $ 7,423,952,000 | 6 | $ 1,070,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 6 | $ 1,080,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 6 | $ 1,090,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 5 | $ 1,005,000 |
| Blue Ridge Bank P.O. BOX 609, 17 WEST MAIN ST LURAY, VA 22835 |
* | $ 2,640,347,000 | 5 | $ 665,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 5 | $ 455,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 590,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 4 | $ 450,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 4 | $ 740,000 |
| First Exchange Bank 11 W MAIN ST. WHITE HALL, WV 26554 |
* | $ 330,471,000 | 4 | $ 490,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 520,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ 3,863,597,000 | 3 | $ 125,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 3 | $ 335,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 16,878,802,000 | 3 | $ 585,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 3 | $ 235,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 625,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 845,000 |
| The Grant County Bank P. O. BOX 929 PETERSBURG, WV 26847 |
* | $ 319,158,000 | 3 | $ 215,000 |
| Clear Mountain Bank 160 MORGANTOWN STREET PO BOX 205 BRUCETON MILLS, WV 26525 |
* | $ 873,423,000 | 3 | $ 615,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 545,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 310,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 190,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 350,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 547,610,000 | 2 | $ 300,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 270,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 2 | $ 390,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 2 | $ 1,130,000 |
| The Park National Bank 50 N THIRD STREET NEWARK, OH 43055 |
* | $ 9,535,304,000 | 2 | $ 500,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 290,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 936,708,000 | 2 | $ 300,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 300,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 250,000 |
| Intercoastal Mortgage, LLC 11911 FREEDOM DRIVE SUITE 500 RESTON, VA 20190 |
* | $ -1,000 | 2 | $ 440,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 2 | $ 830,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ -1,000 | 1 | $ 55,000 |
| University Credit Union 1500 S. SEPULVEDA BLVD. LOS ANGELES, CA 90025 |
* | $ 1,047,101,000 | 1 | $ 55,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 4,206,869,000 | 1 | $ 115,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 349,214,000 | 1 | $ 55,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 26,774,219,000 | 1 | $ 115,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 305,000 |
| Clearview Federal Credit Union 8805 UNIVERSITY BLVD MOON TOWNSHIP, PA 15108 |
* | $ 1,677,912,000 | 1 | $ 25,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 25,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 225,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 209,696,785,000 | 1 | $ 295,000 |
| Siwell, Inc., dba Capital Mortgage Services of Tex 4210 50TH ST LUBBOCK, TX 79413 |
* | $ -1,000 | 1 | $ 65,000 |
| Integrity Home Mortgage Corporation 122 PILOT CIRCLE WINCHESTER, VA 22602 |
* | $ -1,000 | 1 | $ 165,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 115,000 |
| Arbor Realty Trust, Inc. 333 EARLE OVINGTON BLVD., SUITE 900 UNIONDALE, NY 11553 |
* | $ -1,000 | 1 | $ 1,585,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 155,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 1 | $ 95,000 |
| Valley National Bank 615 MAIN AVENUE PASSAIC, NJ 07055 |
* | $ 43,424,817,000 | 1 | $ 15,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 115,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 245,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 154,617,469,000 | 1 | $ 105,000 |
| Usalliance Federal Credit Union 411 THEODORE FREMD AVE, SUITE 350 RYE, NY 10580 |
* | $ 2,230,007,000 | 1 | $ 155,000 |
| Community Bank 100 NORTH MARKET STREET CARMICHAELS, PA 15320 |
* | $ 1,423,613,000 | 1 | $ 35,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ 405,261,000 | 1 | $ 285,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 55,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ -1,000 | 1 | $ 125,000 |
| Pendleton Community Bank 128 N MAIN ST FRANKLIN, WV 26807 |
* | $ 627,833,000 | 1 | $ 175,000 |
| Affinity Federal Credit Union 73 MOUNTAINVIEW BLVD. BASKING RIDGE, NJ 07920 |
* | $ 3,759,374,000 | 1 | $ 15,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ -1,000 | 1 | $ 205,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ 487,506,000 | 1 | $ 225,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 5,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 95,000 |
| Strong Home Mortgage, LLC 9408 GRANT AVENUE SUITE 302 MANASSAS, VA 20110 |
* | $ -1,000 | 1 | $ 185,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 65,000 |
| Dominion Financial Services, LLC 1029 N CALVERT ST BALTIMORE, MD 21202 |
* | $ -1,000 | 1 | $ 455,000 |
The tables below break down 2022 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 2022
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 338 | $55,970,000 | $165,000 | $565,000 | $70,000 | $264,000 |
| Cash-out Refinancing | 110 | $17,800,000 | $161,000 | $1,585,000 | $83,000 | $378,000 |
| Refinancing | 77 | $10,075,000 | $130,000 | $425,000 | $87,000 | $802,000 |
| Home Improvement | 40 | $2,410,000 | $60,000 | $285,000 | $71,000 | $456,000 |
| Other Purpose | 31 | $2,385,000 | $76,000 | $215,000 | $68,000 | $182,000 |
| Not Applicable | 3 | $255,000 | $85,000 | $95,000 | $0 | $0 |
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 | 516 | $73,970,000 | $143,000 | $565,000 | $75,000 | $802,000 |
| Not Provided | 41 | $6,285,000 | $153,000 | $425,000 | $81,000 | $211,000 |
| Not applicable | 17 | $4,255,000 | $250,000 | $1,585,000 | $155,000 | $155,000 |
| Black or African American | 7 | $1,045,000 | $149,000 | $265,000 | $60,000 | $92,000 |
| Hispanic | 7 | $1,245,000 | $177,000 | $455,000 | $54,000 | $136,000 |
| American Indian or Alaskan Native | 6 | $740,000 | $123,000 | $355,000 | $52,000 | $101,000 |
| Asian | 5 | $1,355,000 | $271,000 | $485,000 | $81,000 | $140,000 |
| 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) | 443 | $62,595,000 | $141,000 | $1,585,000 | $77,000 | $802,000 |
| FHA-insured (Federal Housing Administration) | 94 | $14,050,000 | $149,000 | $425,000 | $62,000 | $212,000 |
| VA-guaranteed (Veterans Administration) | 46 | $10,120,000 | $220,000 | $565,000 | $88,000 | $264,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $2,130,000 | $133,000 | $225,000 | $58,000 | $88,000 |
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 | 270 | $39,580,000 | $146,000 | $565,000 | $78,000 | $456,000 |
| Application Denied By Financial Institution | 170 | $24,730,000 | $145,000 | $565,000 | $64,000 | $378,000 |
| File Closed For Incompleteness | 70 | $9,790,000 | $139,000 | $415,000 | $73,000 | $235,000 |
| Application Withdrawn By Applicant | 55 | $9,205,000 | $167,000 | $1,585,000 | $98,000 | $802,000 |
| Application Approved But Not Accepted | 20 | $2,950,000 | $147,000 | $455,000 | $64,000 | $141,000 |
| Loan Purchased By The Institution | 13 | $2,215,000 | $170,000 | $565,000 | $155,000 | $155,000 |
| Preapproval Denied by Financial Institution | 1 | $425,000 | $425,000 | $425,000 | $120,000 | $120,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 421 | $62,975,000 | $149,000 | $1,585,000 | $79,000 | $802,000 |
| Credit History | 61 | $6,715,000 | $110,000 | $425,000 | $62,000 | $205,000 |
| Debt-To-Income Ratio | 55 | $9,045,000 | $164,000 | $485,000 | $53,000 | $201,000 |
| Collateral | 24 | $3,650,000 | $152,000 | $325,000 | $65,000 | $161,000 |
| Unverifiable Information | 14 | $2,070,000 | $147,000 | $405,000 | $74,000 | $242,000 |
| Other | 11 | $1,975,000 | $179,000 | $445,000 | $119,000 | $378,000 |
| Credit Application Incomplete | 7 | $975,000 | $139,000 | $435,000 | $95,000 | $219,000 |
| Employment History | 3 | $775,000 | $258,000 | $565,000 | $49,000 | $102,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $715,000 | $238,000 | $385,000 | $107,000 | $212,000 |
| Mortgage Insurance Denied | 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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