Webster County, WV Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 472 mortgage applications in Webster County, WV totaling $20.7 million, down 24% from 2003. The average application was for $43,000, and applicants reported an average income of $43,000. 53% of applications resulted in an originated loan and 24% were denied. The most active lender was United Bank Inc, with 140 applications, followed by First Community Bank, N. A. 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 | 472 |
| Total Mortgage Loan Application Amount | $20,655,000 |
| Average Mortgage Loan Application Amount | $43,000 |
| Highest Mortgage Loan Application Amount | $518,000 |
| Average Applicant Income | $43,000 |
| Highest Applicant Income | $191,000 |
* 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 |
|---|---|---|---|---|
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 3,647,612,000 | 140 | $ 4,615,000 |
| First Community Bank, N. A. P O BOX 989 BLUEFIELD, VA 24605 |
* | $ 1,666,637,000 | 70 | $ 1,864,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 256,787,000,000 | 60 | $ 2,700,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 67,584,376,000 | 32 | $ 1,951,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 17 | $ 564,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,211,303,000 | 17 | $ 613,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 15 | $ 818,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 14 | $ 674,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 11 | $ 592,000 |
| Homeone Credit Corp. 10700 NORTH FREEWAY #1000 HOUSTON, TX 77037 |
* | $ 10,000,000 | 9 | $ 378,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 36,578,612,000 | 9 | $ 464,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 9 | $ 432,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 8 | $ 765,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 6 | $ 404,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 5 | $ 218,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 5 | $ 273,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 3 | $ 150,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 3 | $ 309,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 2 | $ 157,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 617,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 2 | $ 118,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 189,159,050,000 | 2 | $ 74,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 13,721,232,000 | 2 | $ 99,000 |
| West Virginia Federal Credit Union 318 5TH AVENUE SOUTH CHARLESTON, WV 25303 |
* | $ 98,145,000 | 2 | $ 65,000 |
| Wells Fargo Finl West Virginia 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 1 | $ 62,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 3,432,302,000 | 1 | $ 99,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,022,330,000 | 1 | $ 24,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 10,551,758,000 | 1 | $ 52,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 75,000 |
| George Mason Mortgage LLC 4100 MONUMENT CORNER DRIVE #100 FAIRFAX, VA 22030 |
* | $ 630,414,000 | 1 | $ 65,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 617,888,534,000 | 1 | $ 8,000 |
| Belmont Natl Bank C/O Sky Bank 137 CLOUGH ST. BOWLING GREEN, OH 43402 |
* | $ 296,904,000 | 1 | $ 35,000 |
| Capitalone 15000 CAPITAL ONE DR RICHMOND, VA 23238 |
* | $ 12,581,787,000 | 1 | $ 40,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 1 | $ 112,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 1 | $ 50,000 |
| American Home Mortgage Corp. 538 BROADHOLLOW RD MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Americas Moneyline 4880 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Principal Residential Mortgage ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 74,000 |
| Suburban Mortgage Corp. I79 EXIT 40 BOX 84 BIG OTTER, WV 25113 |
* | $ 10,000,000 | 1 | $ 84,000 |
| Encore Credit Corp 1833 ALTON PARKWAY IRVINE, CA 92606 |
* | $ 10,000,000 | 1 | $ 52,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 20,039,756,000 | 1 | $ 65,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Impac Funding Corp 19500 JAMBOREE ROAD IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 74,320,522,000 | 1 | $ 13,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 14,165,872,000 | 1 | $ 67,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 1 | $ 74,000 |
| Lydian Private Bank 3801 PGA BLVD SUITE 700 PALM BEACH GARDENS, FL 33410 |
* | $ 1,049,585,000 | 1 | $ 75,000 |
| Mortgage Lenders Network USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 1 | $ 80,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 42,548,912,000 | 1 | $ 52,000 |
The tables below break down 2004 mortgage applications in Webster 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 Webster County, WV in 2004
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 | 187 | $8,821,000 | $47,000 | $345,000 | $41,000 | $154,000 |
| Refinancing | 175 | $10,291,000 | $58,000 | $518,000 | $46,000 | $191,000 |
| Home Improvement | 110 | $1,543,000 | $14,000 | $80,000 | $37,000 | $167,000 |
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 | 403 | $16,904,000 | $41,000 | $518,000 | $42,000 | $191,000 |
| Not applicable | 32 | $1,246,000 | $38,000 | $97,000 | $0 | $0 |
| Not Provided | 32 | $2,156,000 | $67,000 | $345,000 | $53,000 | $145,000 |
| Hispanic | 3 | $220,000 | $73,000 | $82,000 | $49,000 | $60,000 |
| American Indian or Alaskan Native | 2 | $129,000 | $64,000 | $75,000 | $46,000 | $54,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 464 | $20,145,000 | $43,000 | $518,000 | $44,000 | $191,000 |
| VA-guaranteed (Veterans Administration) | 4 | $238,000 | $59,000 | $65,000 | $17,000 | $34,000 |
| FHA-insured (Federal Housing Administration) | 3 | $190,000 | $63,000 | $84,000 | $24,000 | $41,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $82,000 | $82,000 | $82,000 | $60,000 | $60,000 |
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 | $9,680,000 | $38,000 | $290,000 | $55,000 | $191,000 |
| Application Denied By Financial Institution | 113 | $5,199,000 | $46,000 | $345,000 | $33,000 | $90,000 |
| Loan Purchased By The Institution | 39 | $1,629,000 | $41,000 | $97,000 | $23,000 | $77,000 |
| Application Approved But Not Accepted | 34 | $1,608,000 | $47,000 | $153,000 | $47,000 | $88,000 |
| Application Withdrawn By Applicant | 32 | $1,787,000 | $55,000 | $108,000 | $53,000 | $180,000 |
| File Closed For Incompleteness | 5 | $752,000 | $150,000 | $518,000 | $66,000 | $145,000 |
| 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 | 48 | $1,673,000 | $34,000 | $110,000 | $36,000 | $67,000 |
| Debt-To-Income Ratio | 12 | $573,000 | $47,000 | $138,000 | $23,000 | $39,000 |
| Collateral | 10 | $937,000 | $93,000 | $345,000 | $53,000 | $90,000 |
| Credit Application Incomplete | 9 | $490,000 | $54,000 | $98,000 | $37,000 | $62,000 |
| Other | 7 | $283,000 | $40,000 | $100,000 | $31,000 | $86,000 |
| Employment History | 3 | $79,000 | $26,000 | $50,000 | $19,000 | $30,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $150,000 | $50,000 | $81,000 | $27,000 | $32,000 |
| Unverifiable Information | 2 | $65,000 | $32,000 | $40,000 | $20,000 | $23,000 |
| 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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