AllMortgageDetail - Mortgage Application Details

West Virginia
Mortgage Loan Application
Totals and Details
in 2014

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Years 2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 53,348
Total Mortgage Loan Application Amount $6,650,748,000
Average Mortgage Loan Application Amount $124,000
Highest Mortgage Loan Application Amount $27,350,000
Average Applicant Income $67,000
Highest Applicant Income $9,999,000

Mortgage Loan Application Detail Totals for West Virginia in 2014

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 27,335 $3,684,802,000 $134,000 $17,000,000 $66,000 $6,943,000
Refinancing 19,598 $2,658,606,000 $135,000 $27,350,000 $71,000 $2,122,000
Home Improvement 6,415 $307,340,000 $47,000 $6,859,000 $65,000 $9,999,000

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 42,955 $4,921,744,000 $114,000 $3,167,000 $72,000 $9,999,000
Not applicable 4,380 $942,300,000 $215,000 $27,350,000 $5,000 $550,000
Not Provided 3,952 $521,425,000 $131,000 $2,500,000 $81,000 $3,623,000
Black or African American 1,069 $126,898,000 $118,000 $750,000 $60,000 $668,000
Hispanic 435 $58,616,000 $134,000 $982,000 $75,000 $500,000
Asian 299 $51,655,000 $172,000 $1,049,000 $108,000 $1,049,000
American Indian or Alaskan Native 199 $19,772,000 $99,000 $558,000 $52,000 $374,000
Native Hawaiin or Other Pacific Islander 59 $8,338,000 $141,000 $361,000 $89,000 $450,000

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) 39,614 $4,731,928,000 $119,000 $27,350,000 $74,000 $9,999,000
FHA-insured (Federal Housing Administration) 5,927 $728,967,000 $122,000 $6,859,000 $49,000 $2,044,000
VA-guaranteed (Veterans Administration) 4,093 $710,379,000 $173,000 $641,000 $58,000 $754,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 3,714 $479,474,000 $129,000 $452,000 $33,000 $133,000

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 28,166 $3,721,255,000 $132,000 $16,500,000 $77,000 $6,943,000
Application Denied By Financial Institution 12,627 $1,240,672,000 $98,000 $27,350,000 $59,000 $9,999,000
Loan Purchased By The Institution 4,871 $701,272,000 $143,000 $2,500,000 $25,000 $3,623,000
Application Withdrawn By Applicant 3,661 $511,290,000 $139,000 $6,859,000 $76,000 $3,607,000
Application Approved But Not Accepted 2,828 $314,975,000 $111,000 $8,750,000 $63,000 $1,277,000
File Closed For Incompleteness 1,177 $158,677,000 $134,000 $2,400,000 $73,000 $1,540,000
Preapproval Denied by Financial Institution 18 $2,607,000 $144,000 $247,000 $62,000 $229,000
Preapproval Approved but not Accepted 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 3,307 $212,838,000 $64,000 $750,000 $58,000 $1,020,000
Collateral 1,681 $217,348,000 $129,000 $17,000,000 $78,000 $1,104,000
Debt-To-Income Ratio 1,631 $170,445,000 $104,000 $760,000 $51,000 $2,588,000
Credit Application Incomplete 905 $120,301,000 $132,000 $1,800,000 $75,000 $772,000
Other 456 $76,222,000 $167,000 $27,350,000 $71,000 $900,000
Insufficient Cash (Downpayment, Closing Cost) 148 $18,230,000 $123,000 $1,725,000 $64,000 $340,000
Unverifiable Information 117 $13,850,000 $118,000 $417,000 $148,000 $9,999,000
Employment History 102 $9,098,000 $89,000 $294,000 $53,000 $250,000
Mortgage Insurance Denied 6 $811,000 $135,000 $347,000 $75,000 $133,000

Mortgage Loan Application Totals in 2014 by West Virginia Metropolitan Area

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
BECKLEY, WV 3,538 $ 346,526,000 $ 97,000 $ 63,000
CHARLESTON, WV 6,713 $ 789,212,000 $ 117,000 $ 69,000
HUNTINGTON-ASHLAND, WV-KY-OH 6,549 $ 802,316,000 $ 122,000 $ 69,000
MORGANTOWN, WV 4,250 $ 756,761,000 $ 178,000 $ 83,000
PARKERSBURG-VIENNA, WV 2,517 $ 273,296,000 $ 108,000 $ 61,000
WEIRTON-STEUBENVILLE, WV-OH 1,385 $ 112,776,000 $ 81,000 $ 69,000
WHEELING, WV-OH 1,692 $ 198,616,000 $ 117,000 $ 64,000

Mortgage Loan Application Totals in 2014 by West Virginia County

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Barbour 280 $ 27,387,000 $ 97,000 $ 61,000
Berkeley 5,292 $ 811,971,000 $ 153,000 $ 59,000
Boone 533 $ 44,065,000 $ 82,000 $ 62,000
Braxton 297 $ 27,678,000 $ 93,000 $ 58,000
Brooke 600 $ 48,772,000 $ 81,000 $ 63,000
Cabell 2,720 $ 337,639,000 $ 124,000 $ 73,000
Calhoun 66 $ 6,420,000 $ 97,000 $ 58,000
Clay 224 $ 16,123,000 $ 71,000 $ 56,000
Doddridge 104 $ 9,587,000 $ 92,000 $ 55,000
Fayette 1,175 $ 88,749,000 $ 75,000 $ 58,000
Gilmer 104 $ 8,197,000 $ 78,000 $ 55,000
Grant 279 $ 34,858,000 $ 124,000 $ 67,000
Greenbrier 1,071 $ 174,877,000 $ 163,000 $ 84,000
Hampshire 818 $ 100,828,000 $ 123,000 $ 63,000
Hancock 787 $ 64,226,000 $ 81,000 $ 74,000
Hardy 439 $ 62,028,000 $ 141,000 $ 96,000
Harrison 1,983 $ 261,919,000 $ 132,000 $ 71,000
Jackson 969 $ 95,601,000 $ 98,000 $ 64,000
Jefferson 2,617 $ 522,064,000 $ 199,000 $ 80,000
Kanawha 5,977 $ 730,112,000 $ 122,000 $ 70,000
Lewis 458 $ 41,145,000 $ 89,000 $ 62,000
Lincoln 472 $ 35,497,000 $ 75,000 $ 53,000
Logan 627 $ 56,380,000 $ 89,000 $ 66,000
Marion 1,692 $ 199,714,000 $ 118,000 $ 66,000
Marshall 701 $ 61,382,000 $ 87,000 $ 58,000
Mason 562 $ 45,908,000 $ 81,000 $ 55,000
McDowell 276 $ 11,768,000 $ 42,000 $ 49,000
Mercer 1,433 $ 147,729,000 $ 103,000 $ 56,000
Mineral 825 $ 94,631,000 $ 114,000 $ 57,000
Mingo 425 $ 29,188,000 $ 68,000 $ 55,000
Monongalia 3,344 $ 654,138,000 $ 195,000 $ 89,000
Monroe 346 $ 33,089,000 $ 95,000 $ 55,000
Morgan 635 $ 75,967,000 $ 119,000 $ 72,000
Nicholas 674 $ 56,650,000 $ 84,000 $ 59,000
Ohio 993 $ 137,285,000 $ 138,000 $ 68,000
Pendleton 169 $ 14,283,000 $ 84,000 $ 51,000
Pleasants 110 $ 10,376,000 $ 94,000 $ 50,000
Pocahontas 270 $ 29,696,000 $ 109,000 $ 144,000
Preston 929 $ 103,771,000 $ 111,000 $ 58,000
Putnam 2,363 $ 354,234,000 $ 149,000 $ 73,000
Raleigh 2,396 $ 262,976,000 $ 109,000 $ 65,000
Randolph 512 $ 56,215,000 $ 109,000 $ 62,000
Ritchie 157 $ 15,445,000 $ 98,000 $ 53,000
Roane 330 $ 31,749,000 $ 96,000 $ 56,000
Summers 249 $ 21,251,000 $ 85,000 $ 65,000
Taylor 430 $ 51,641,000 $ 120,000 $ 66,000
Tucker 170 $ 22,026,000 $ 129,000 $ 107,000
Tyler 102 $ 9,952,000 $ 97,000 $ 51,000
Upshur 668 $ 63,572,000 $ 95,000 $ 64,000
Wayne 1,008 $ 87,229,000 $ 86,000 $ 54,000
Webster 172 $ 9,009,000 $ 52,000 $ 54,000
Wetzel 179 $ 16,417,000 $ 91,000 $ 52,000
Wirt 120 $ 9,505,000 $ 79,000 $ 56,000
Wood 2,405 $ 264,164,000 $ 109,000 $ 62,000
Wyoming 360 $ 24,323,000 $ 67,000 $ 61,000