Webster County, WV Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 139 mortgage applications in Webster County, WV totaling $10.9 million, down 14% from 2017. The average application was for $78,000, and applicants reported an average income of $54,000. 38% of applications resulted in an originated loan and 35% were denied. The most active lender was First Community Bank, with 18 applications, followed by United Bank VA 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 | 139 |
| Total Mortgage Loan Application Amount | $10,905,000 |
| Average Mortgage Loan Application Amount | $78,000 |
| Highest Mortgage Loan Application Amount | $445,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $141,000 |
| 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 |
* | $ 2,380,304,000 | 18 | $ 970,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ 19,041,801,000 | 17 | $ 1,295,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 15 | $ 745,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 11 | $ 905,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 11 | $ 995,000 |
| Premier Bank, Inc. 601 WASHINGTON STREET RAVENSWOOD, WV 26164 |
* | $ 1,064,264,000 | 8 | $ 400,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 4 | $ 230,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,934,629,000 | 3 | $ 305,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 3 | $ 95,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 104,052,030,000 | 3 | $ 155,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 3 | $ 175,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,175,351,000 | 2 | $ 380,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 190,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 4,072,671,000 | 2 | $ 110,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 280,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 95,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 1 | $ 35,000 |
| Pendleton Community Bank 128 N MAIN ST FRANKLIN, WV 26807 |
* | $ 288,843,000 | 1 | $ 45,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 1 | $ 95,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 827,634,000 | 1 | $ 75,000 |
| Potomac Mortgage Group, Inc. 4035 RIDGE TOP ROAD, SUITE 100 FAIRFAX, VA 22030 |
* | $ -1,000 | 1 | $ 215,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 65,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 105,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ 31,211,939,000 | 1 | $ 45,000 |
| Clear Mountain Bank 160 MORGANTOWN STREET PO BOX 205 BRUCETON MILLS, WV 26525 |
* | $ 584,167,000 | 1 | $ 95,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 175,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ -1,000 | 1 | $ 35,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 1 | $ 105,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 14,726,156,000 | 1 | $ 45,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 35,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 945,013,000 | 1 | $ 445,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 215,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 1 | $ 55,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 363,702,000 | 1 | $ 255,000 |
| First United Bank & Trust 19 S SECOND STREET OAKLAND, MD 21550 |
* | $ 1,319,432,000 | 1 | $ 155,000 |
| Homespire Mortgage Corporation FAIRFAX, VA 22031 |
* | $ -1,000 | 1 | $ 95,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 1 | $ 55,000 |
The tables below break down 2018 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 2018
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 | 81 | $6,435,000 | $79,000 | $225,000 | $56,000 | $133,000 |
| Cash-out Refinancing | 22 | $2,630,000 | $119,000 | $445,000 | $56,000 | $141,000 |
| Refinancing | 12 | $800,000 | $66,000 | $215,000 | $52,000 | $102,000 |
| Other Purpose | 11 | $485,000 | $44,000 | $175,000 | $40,000 | $72,000 |
| Home Improvement | 10 | $420,000 | $42,000 | $105,000 | $55,000 | $108,000 |
| Not Applicable | 3 | $135,000 | $45,000 | $55,000 | $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 | 110 | $8,350,000 | $75,000 | $445,000 | $57,000 | $141,000 |
| Not Provided | 21 | $1,895,000 | $90,000 | $255,000 | $43,000 | $120,000 |
| Not applicable | 7 | $555,000 | $79,000 | $215,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $105,000 | $105,000 | $105,000 | $35,000 | $35,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 109 | $7,215,000 | $66,000 | $225,000 | $55,000 | $132,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,155,000 | $88,000 | $175,000 | $60,000 | $133,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,915,000 | $174,000 | $445,000 | $53,000 | $141,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $620,000 | $103,000 | $155,000 | $38,000 | $46,000 |
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 | 53 | $3,775,000 | $71,000 | $225,000 | $52,000 | $133,000 |
| Application Denied By Financial Institution | 49 | $3,625,000 | $73,000 | $445,000 | $50,000 | $141,000 |
| Application Withdrawn By Applicant | 16 | $1,690,000 | $105,000 | $215,000 | $74,000 | $132,000 |
| File Closed For Incompleteness | 11 | $925,000 | $84,000 | $175,000 | $55,000 | $103,000 |
| Loan Purchased By The Institution | 6 | $540,000 | $90,000 | $215,000 | $68,000 | $68,000 |
| Application Approved But Not Accepted | 4 | $350,000 | $87,000 | $185,000 | $65,000 | $98,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 83 | $6,755,000 | $81,000 | $225,000 | $57,000 | $133,000 |
| Credit History | 21 | $1,045,000 | $49,000 | $115,000 | $43,000 | $110,000 |
| Debt-To-Income Ratio | 15 | $895,000 | $59,000 | $155,000 | $53,000 | $132,000 |
| Collateral | 8 | $680,000 | $85,000 | $255,000 | $33,000 | $81,000 |
| Employment History | 4 | $350,000 | $87,000 | $135,000 | $39,000 | $62,000 |
| Credit Application Incomplete | 3 | $655,000 | $218,000 | $445,000 | $87,000 | $141,000 |
| Other | 2 | $230,000 | $115,000 | $125,000 | $102,000 | $110,000 |
| Unverifiable Information | 2 | $230,000 | $115,000 | $135,000 | $96,000 | $111,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $65,000 | $65,000 | $65,000 | $91,000 | $91,000 |
| 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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