Webster County, WV Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 162 mortgage applications in Webster County, WV totaling $11.8 million, up 6% from 2015. The average application was for $72,000, and applicants reported an average income of $54,000. 48% of applications resulted in an originated loan and 35% were denied. The most active lender was First Community Bank, with 38 applications, followed by United Bank Inc and 21st Mortgage.
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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 | 162 |
| Total Mortgage Loan Application Amount | $11,775,000 |
| Average Mortgage Loan Application Amount | $72,000 |
| Highest Mortgage Loan Application Amount | $350,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $424,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 2,440,265,000 | 38 | $ 2,341,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 5,346,724,000 | 19 | $ 686,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 18 | $ 919,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 18 | $ 1,098,000 |
| Premier Bank, Inc. 601 WASHINGTON STREET RAVENSWOOD, WV 26164 |
* | $ 849,582,000 | 11 | $ 1,086,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 9 | $ 643,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 8 | $ 790,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 3 | $ 129,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 2 | $ 121,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 3,696,846,000 | 2 | $ 76,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ 12,167,000 | 2 | $ 224,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 2 | $ 174,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 142,000 |
| The State Credit Union 2200 WASHINGTON STREET, EAST, CHARLESTON, WV 25311 |
* | $ 61,734,000 | 1 | $ 43,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 112,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 220,279,000 | 1 | $ 60,000 |
| Northwest Federal Credit Union 220 SPRING STREET HERNDON, VA 20170 |
* | $ 3,093,779,000 | 1 | $ 40,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 1 | $ 120,000 |
| Pioneer Community Bank, Inc. 822 ROBERT C BYRD DR SOPHIA, WV 25921 |
* | $ 119,075,000 | 1 | $ 107,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 1 | $ 112,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 1 | $ 190,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 138,620,635,000 | 1 | $ 64,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 175,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 135,000 |
| Fayette County National Bank PO BOX 209 FAYETTEVILLE, WV 25840 |
* | $ 93,846,000 | 1 | $ 110,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 504,343,000 | 1 | $ 175,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 147,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 224,192,000 | 1 | $ 8,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 4,654,173,000 | 1 | $ 92,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 464,368,000 | 1 | $ 90,000 |
The tables below break down 2016 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 2016
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 | 97 | $7,186,000 | $74,000 | $350,000 | $48,000 | $294,000 |
| Refinancing | 46 | $4,147,000 | $90,000 | $235,000 | $63,000 | $166,000 |
| Home Improvement | 19 | $442,000 | $23,000 | $188,000 | $61,000 | $424,000 |
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 | 141 | $10,044,000 | $71,000 | $350,000 | $57,000 | $424,000 |
| Not Provided | 11 | $960,000 | $87,000 | $235,000 | $61,000 | $114,000 |
| Not applicable | 8 | $562,000 | $70,000 | $175,000 | $0 | $0 |
| Native Hawaiin or Other Pacific Islander | 1 | $175,000 | $175,000 | $175,000 | $29,000 | $29,000 |
| American Indian or Alaskan Native | 1 | $34,000 | $34,000 | $34,000 | $11,000 | $11,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 135 | $8,930,000 | $66,000 | $350,000 | $56,000 | $424,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,097,000 | $78,000 | $130,000 | $38,000 | $58,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,748,000 | $134,000 | $190,000 | $45,000 | $114,000 |
| 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 | 78 | $5,965,000 | $76,000 | $350,000 | $58,000 | $294,000 |
| Application Denied By Financial Institution | 57 | $3,997,000 | $70,000 | $235,000 | $51,000 | $424,000 |
| Application Withdrawn By Applicant | 10 | $545,000 | $54,000 | $108,000 | $69,000 | $166,000 |
| Loan Purchased By The Institution | 7 | $621,000 | $88,000 | $175,000 | $16,000 | $58,000 |
| File Closed For Incompleteness | 6 | $363,000 | $60,000 | $130,000 | $35,000 | $49,000 |
| Application Approved But Not Accepted | 4 | $284,000 | $71,000 | $147,000 | $47,000 | $60,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 9 | $396,000 | $44,000 | $100,000 | $43,000 | $140,000 |
| Credit History | 7 | $339,000 | $48,000 | $110,000 | $59,000 | $135,000 |
| Collateral | 4 | $348,000 | $87,000 | $190,000 | $35,000 | $48,000 |
| Credit Application Incomplete | 2 | $379,000 | $189,000 | $235,000 | $98,000 | $114,000 |
| Other | 2 | $180,000 | $90,000 | $112,000 | $36,000 | $38,000 |
| Employment History | 2 | $57,000 | $28,000 | $49,000 | $35,000 | $38,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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