Webster County, WV Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 291 mortgage applications in Webster County, WV totaling $15.1 million, down 23% from 2007. The average application was for $52,000, and applicants reported an average income of $48,000. 49% of applications resulted in an originated loan and 34% were denied. The most active lender was United Bank Inc, with 82 applications, followed by First Community Bank, N. A. and Branch Banking and Trust Co.
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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 | 291 |
| Total Mortgage Loan Application Amount | $15,147,000 |
| Average Mortgage Loan Application Amount | $52,000 |
| Highest Mortgage Loan Application Amount | $228,000 |
| Average Applicant Income | $48,000 |
| Highest Applicant Income | $258,000 |
| 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 |
* | $ 4,255,983,000 | 82 | $ 2,556,000 |
| First Community Bank, N. A. P O BOX 989 BLUEFIELD, VA 24605 |
* | $ 2,130,805,000 | 35 | $ 1,624,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 127,698,351,000 | 25 | $ 1,212,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 24 | $ 1,684,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 20 | $ 1,408,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 15 | $ 927,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 12 | $ 568,000 |
| Bank of Gassaway 700 ELK ST. GASSAWAY, WV 26624 |
* | $ 146,348,000 | 9 | $ 419,000 |
| Wells Fargo Finl West Virginia 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 8 | $ 729,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 6 | $ 350,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 6 | $ 361,000 |
| First United Bank & Trust 19 S SECOND STREET OAKLAND, MD 21550 |
* | $ 1,463,163,000 | 4 | $ 333,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 266,672,000 | 4 | $ 228,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 54,098,791,000 | 4 | $ 348,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 3 | $ 222,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,462,991,000 | 3 | $ 163,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 3 | $ 203,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 130,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 294,000 |
| Citizens Nb of Paintsville PO BOX 1488 PAINTSVILLE, KY 41240 |
* | $ 548,397,000 | 2 | $ 102,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 2 | $ 78,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 36,725,591,000 | 1 | $ 41,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 103,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 47,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 1,418,607,000 | 1 | $ 76,000 |
| Centra Bank Inc (Wv) 990 ELMER PRINCE DRIVE MORGANTOWN, WV 26505 |
* | $ 1,084,237,000 | 1 | $ 24,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 1 | $ 42,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 1 | $ 68,000 |
| Mld Mortgage Inc. 30B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 1 | $ 7,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 69,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 1 | $ 34,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA, 2-14-05 COLUMBUS, OH 43215 |
* | $ 1,126,185,000 | 1 | $ 50,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 79,977,597,000 | 1 | $ 81,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 1 | $ 44,000 |
The tables below break down 2008 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 2008
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 | 143 | $9,476,000 | $66,000 | $228,000 | $50,000 | $185,000 |
| Home Purchase | 77 | $3,894,000 | $50,000 | $125,000 | $45,000 | $258,000 |
| Home Improvement | 71 | $1,777,000 | $25,000 | $116,000 | $48,000 | $221,000 |
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 | 267 | $13,677,000 | $51,000 | $228,000 | $49,000 | $258,000 |
| Not Provided | 21 | $1,322,000 | $62,000 | $132,000 | $37,000 | $73,000 |
| Not applicable | 1 | $50,000 | $50,000 | $50,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $63,000 | $63,000 | $63,000 | $48,000 | $48,000 |
| Hispanic | 1 | $35,000 | $35,000 | $35,000 | $40,000 | $40,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 255 | $12,514,000 | $49,000 | $228,000 | $50,000 | $258,000 |
| FHA-insured (Federal Housing Administration) | 35 | $2,567,000 | $73,000 | $162,000 | $37,000 | $85,000 |
| VA-guaranteed (Veterans Administration) | 1 | $66,000 | $66,000 | $66,000 | $55,000 | $55,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 144 | $7,264,000 | $50,000 | $228,000 | $54,000 | $258,000 |
| Application Denied By Financial Institution | 99 | $4,583,000 | $46,000 | $162,000 | $40,000 | $185,000 |
| Application Withdrawn By Applicant | 20 | $1,279,000 | $63,000 | $152,000 | $44,000 | $104,000 |
| Application Approved But Not Accepted | 16 | $1,163,000 | $72,000 | $137,000 | $61,000 | $127,000 |
| Loan Purchased By The Institution | 9 | $665,000 | $73,000 | $132,000 | $37,000 | $73,000 |
| File Closed For Incompleteness | 3 | $193,000 | $64,000 | $80,000 | $51,000 | $79,000 |
| 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 | 31 | $915,000 | $29,000 | $84,000 | $44,000 | $148,000 |
| Debt-To-Income Ratio | 14 | $557,000 | $39,000 | $162,000 | $25,000 | $47,000 |
| Collateral | 8 | $552,000 | $69,000 | $95,000 | $37,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $171,000 | $42,000 | $60,000 | $28,000 | $47,000 |
| Other | 4 | $132,000 | $33,000 | $62,000 | $24,000 | $29,000 |
| Credit Application Incomplete | 3 | $134,000 | $44,000 | $53,000 | $26,000 | $45,000 |
| Unverifiable Information | 1 | $60,000 | $60,000 | $60,000 | $40,000 | $40,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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