Webster County, WV Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 153 mortgage applications in Webster County, WV totaling $10.0 million, down 11% from 2014. The average application was for $65,000, and applicants reported an average income of $50,000. 43% of applications resulted in an originated loan and 39% were denied. The most active lender was United Bank Inc, with 36 applications, followed by 21st Mortgage and First Community Bank.
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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 | 153 |
| Total Mortgage Loan Application Amount | $10,027,000 |
| Average Mortgage Loan Application Amount | $65,000 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $50,000 |
| Highest Applicant Income | $563,000 |
| 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 |
* | $ 5,424,901,000 | 36 | $ 997,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 23 | $ 1,302,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 2,584,917,000 | 18 | $ 1,585,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 15 | $ 1,114,000 |
| Premier Bank, Inc. 601 WASHINGTON STREET RAVENSWOOD, WV 26164 |
* | $ 873,908,000 | 12 | $ 616,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 11 | $ 174,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 3 | $ 869,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,761,042,000 | 3 | $ 230,000 |
| American Lending Solutions LLC N4365 STATE HWY 73 COLUMBUS, WI 53925 |
* | $ 10,861,469,000 | 3 | $ 441,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 2 | $ 217,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 1 | $ 79,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 1 | $ 100,000 |
| The State Credit Union 2200 WASHINGTON STREET, EAST, CHARLESTON, WV 25311 |
* | $ 59,582,000 | 1 | $ 92,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 55,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 113,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 66,111,039,000 | 1 | $ 5,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 1 | $ 113,000 |
| Mvb Bank, Inc. 113 PLATINUM DRIVE SUITE H BRIDGEPORT, WV 26330 |
* | $ 1,106,316,000 | 1 | $ 114,000 |
| First Personal Bank 14701 S RAVINIA AVE ORLAND PARK, IL 60462 |
* | $ 164,406,000 | 1 | $ 66,000 |
| Potomac Mortgage Group, Inc. 4035 RIDGE TOP ROAD, SUITE 100 FAIRFAX, VA 22030 |
* | $ 15,000,000 | 1 | $ 114,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 451,471,000 | 1 | $ 25,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ 710,000 | 1 | $ 55,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 136,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 84,000 |
| Whitesville State Bank 38609 COAL RIVER ROAD WHITESVILLE, WV 25209 |
* | $ 93,023,000 | 1 | $ 50,000 |
| Port Byron State Bank 124 N MAIN ST PORT BYRON, IL 61275 |
* | $ 74,791,000 | 1 | $ 34,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 933,532,000 | 1 | $ 417,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 122,000 |
The tables below break down 2015 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 2015
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 | 75 | $5,263,000 | $70,000 | $300,000 | $53,000 | $202,000 |
| Home Improvement | 45 | $811,000 | $18,000 | $252,000 | $38,000 | $101,000 |
| Refinancing | 33 | $3,953,000 | $119,000 | $417,000 | $61,000 | $563,000 |
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 | 139 | $8,734,000 | $62,000 | $417,000 | $51,000 | $563,000 |
| Not Provided | 8 | $709,000 | $88,000 | $132,000 | $79,000 | $202,000 |
| Not applicable | 6 | $584,000 | $97,000 | $164,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 119 | $6,423,000 | $53,000 | $300,000 | $53,000 | $563,000 |
| FHA-insured (Federal Housing Administration) | 21 | $1,647,000 | $78,000 | $147,000 | $47,000 | $162,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,665,000 | $185,000 | $417,000 | $26,000 | $59,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $292,000 | $73,000 | $121,000 | $26,000 | $39,000 |
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 | 66 | $4,448,000 | $67,000 | $417,000 | $57,000 | $563,000 |
| Application Denied By Financial Institution | 59 | $3,524,000 | $59,000 | $252,000 | $45,000 | $145,000 |
| File Closed For Incompleteness | 13 | $724,000 | $55,000 | $136,000 | $47,000 | $104,000 |
| Application Approved But Not Accepted | 5 | $292,000 | $58,000 | $88,000 | $47,000 | $54,000 |
| Application Withdrawn By Applicant | 5 | $235,000 | $47,000 | $90,000 | $40,000 | $79,000 |
| Loan Purchased By The Institution | 5 | $804,000 | $160,000 | $417,000 | $40,000 | $202,000 |
| 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 | 15 | $318,000 | $21,000 | $95,000 | $40,000 | $71,000 |
| Debt-To-Income Ratio | 9 | $132,000 | $14,000 | $51,000 | $33,000 | $71,000 |
| Collateral | 7 | $677,000 | $96,000 | $252,000 | $38,000 | $61,000 |
| Credit Application Incomplete | 3 | $441,000 | $147,000 | $147,000 | $86,000 | $86,000 |
| Other | 2 | $192,000 | $96,000 | $113,000 | $68,000 | $90,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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