Wirt County, WV Mortgage Lenders & HMDA Data, 2003
In 2003, lenders reported 322 mortgage applications in Wirt County, WV totaling $18.7 million. The average application was for $58,000, and applicants reported an average income of $41,000. 43% of applications resulted in an originated loan and 29% were denied. The most active lender was Beneficial, with 45 applications, followed by Wesbanco Bank, Inc. and Abn Amro Mtg Group Inc.
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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 | 322 |
| Total Mortgage Loan Application Amount | $18,693,000 |
| Average Mortgage Loan Application Amount | $58,000 |
| Highest Mortgage Loan Application Amount | $226,000 |
| Average Applicant Income | $41,000 |
| Highest Applicant Income | $228,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 45 | $ 2,289,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 3,286,404,000 | 43 | $ 2,303,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 24 | $ 1,739,000 |
| Wells Fargo Home Mortgage 1 HOME CAMPUS, X9902-1R DES MOINES, IA 50328 |
* | $ 35,000,000,000 | 21 | $ 1,593,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 3,462,208,000 | 15 | $ 706,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 13 | $ 710,000 |
| Bank One, NA 45303 VAN DYKE SUITE 9048 UTICA, MI 48317 |
* | $ 53,001,000,000 | 12 | $ 639,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 8,190,484,000 | 11 | $ 635,000 |
| Peoples Bank, National Associa 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 1,384,712,000 | 11 | $ 499,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 65,629,555,000 | 10 | $ 421,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 32,738,033,000 | 8 | $ 501,000 |
| Franklin Bank SSB 9800 RICHMOND, SUITE 680 HOUSTON, TX 77042 |
* | $ 357,432,000 | 7 | $ 484,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 6 | $ 351,000 |
| First Federal Savings Bank 726 WELLS STREET SISTERSVILLE, WV 26175 |
* | $ 46,055,000 | 5 | $ 479,000 |
| Citifinancial Mortgage Company 1111 NORTHPOINT DRIVE COPPELL, TX 75019 |
* | $ 1,097,190,000,000 | 5 | $ 158,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 58,034,697,000 | 5 | $ 338,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 236,422,336,000 | 5 | $ 362,000 |
| The Cit Group/Consumer Finance 650 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 1,358,138,000 | 5 | $ 244,000 |
| Synergy Mortgage Corp. 510 N. VALLEY MILLS DRIVE SUITE 101 WACO, TX 76710 |
* | $ 10,000,000 | 4 | $ 361,000 |
| Tammac Corporation 275 MUNDAY STREET WILKES BARRE, PA 18702 |
* | $ 10,000,000 | 4 | $ 205,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 4 | $ 158,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 176,000 |
| Homeone Credit Corp. 10700 NORTH FREEWAY #1000 HOUSTON, TX 77037 |
* | $ 10,000,000 | 3 | $ 207,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,020,565,000 | 3 | $ 60,000 |
| Wells Fargo Finl West Virginia 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 19,044,723,000 | 3 | $ 193,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 3 | $ 121,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 246,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 27,399,278,000 | 2 | $ 118,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ 199,522,000 | 2 | $ 45,000 |
| Traders Bank Inc PO BOX 1009 SPENCER, WV 25276 |
* | $ 125,685,000 | 2 | $ 28,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 183,000 |
| Rbmg, Inc 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 3,000,000,000 | 2 | $ 116,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 76,000 |
| Advantage Bank 814 WHEELING AVE CAMBRIDGE, OH 43725 |
* | $ 1,065,089,000 | 2 | $ 146,000 |
| Lasalle Bank NA 135 SOUTH LASALLE STREET, STE 2325 CHICAGO, IL 60603 |
* | $ 57,441,766,000 | 2 | $ 67,000 |
| Morequity,Inc. (Nv) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 2 | $ 94,000 |
| Mortgage Lenders Network USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Mortgage South Inc 5206 MARKEL ROAD STE 100A RICHMOND, VA 23230 |
* | $ 10,000,000 | 1 | $ 79,000 |
| Full Spectrum Lending 35 N. LAKE AVENUE MS 55-11 PASADENA, CA 91101 |
* | $ 58,034,697,000 | 1 | $ 100,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 76,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 17,573,420,000 | 1 | $ 60,000 |
| Northwest Federal Credit Union 220 SPRING STREET HERNDON, VA 20170 |
* | $ 968,367,000 | 1 | $ 98,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 1 | $ 94,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 1,708,852,000 | 1 | $ 142,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 8,575,434,000 | 1 | $ 20,000 |
| Forward Financial 70 GRAY ROAD WEST FALMOUTH, ME 04105 |
* | $ 43,255,000 | 1 | $ 15,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 879,740,000 | 1 | $ 81,000 |
| American Home Bank 3840 HEMPLAND ROAD MOUNTVILLE, PA 17554 |
* | $ 72,365,000 | 1 | $ 226,000 |
| Chase Manhattan Mortgage Corp 343 THORNALL STREET EDISON, NJ 08837 |
* | $ 622,388,000,000 | 1 | $ 44,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 1 | $ 87,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 47,877,769,000 | 1 | $ 120,000 |
| First Bank of Ohio 320 FRONT STREET MARIETTA, OH 45750 |
* | $ 113,957,000 | 1 | $ 38,000 |
| Star USA Federal Credit Union ONE CANTLEY DRIVE CHARLESTON, WV 25314 |
* | $ 123,347,000 | 1 | $ 17,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 4,586,886,000 | 1 | $ 33,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 115,148,694,000 | 1 | $ 97,000 |
| Peoples Federal Credit Union 419 FIRST AVENUE SOUTH NITRO, WV 25143 |
* | $ 55,578,000 | 1 | $ 5,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 318,870,000,000 | 1 | $ 51,000 |
| West Virginia Central CU 1306 MURDOCH AVE PARKERSBURG, WV 26101 |
* | $ 39,413,000 | 1 | $ 20,000 |
The tables below break down 2003 mortgage applications in Wirt 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 Wirt County, WV in 2003
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 (home purchase or home improvement, one-to-four family) | 217 | $13,461,000 | $62,000 | $226,000 | $47,000 | $228,000 |
| Home Purchase (one-to-four family) | 73 | $4,649,000 | $63,000 | $181,000 | $35,000 | $75,000 |
| Home Improvement (one-to-four family) | 32 | $583,000 | $18,000 | $110,000 | $25,000 | $82,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $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 | 261 | $15,579,000 | $59,000 | $226,000 | $43,000 | $228,000 |
| Information not provided by applicant in mail or telephone application | 55 | $2,773,000 | $50,000 | $181,000 | $36,000 | $72,000 |
| Not applicable | 5 | $247,000 | $49,000 | $97,000 | $14,000 | $47,000 |
| Other | 1 | $94,000 | $94,000 | $94,000 | $42,000 | $42,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian or Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black | 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) | 316 | $18,415,000 | $58,000 | $226,000 | $41,000 | $228,000 |
| FHA-insured (Federal Housing Administration) | 5 | $193,000 | $38,000 | $89,000 | $45,000 | $58,000 |
| VA-guaranteed (Veterans Administration) | 1 | $85,000 | $85,000 | $85,000 | $23,000 | $23,000 |
| 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 | 140 | $8,530,000 | $60,000 | $181,000 | $44,000 | $125,000 |
| Application Denied By Financial Institution | 93 | $4,735,000 | $50,000 | $226,000 | $40,000 | $228,000 |
| Application Withdrawn By Applicant | 40 | $2,403,000 | $60,000 | $130,000 | $39,000 | $180,000 |
| Application Approved But Not Accepted | 34 | $1,986,000 | $58,000 | $181,000 | $39,000 | $70,000 |
| Loan Purchased By The Institution | 10 | $689,000 | $68,000 | $181,000 | $38,000 | $72,000 |
| File Closed For Incompleteness | 5 | $350,000 | $70,000 | $100,000 | $29,000 | $40,000 |
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 | 21 | $905,000 | $43,000 | $142,000 | $44,000 | $228,000 |
| Debt-To-Income Ratio | 8 | $596,000 | $74,000 | $226,000 | $28,000 | $80,000 |
| Collateral | 7 | $294,000 | $42,000 | $75,000 | $65,000 | $156,000 |
| Other | 7 | $402,000 | $57,000 | $100,000 | $40,000 | $75,000 |
| Credit Application Incomplete | 5 | $242,000 | $48,000 | $76,000 | $32,000 | $55,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $100,000 | $50,000 | $50,000 | $36,000 | $36,000 |
| Unverifiable Information | 1 | $103,000 | $103,000 | $103,000 | $104,000 | $104,000 |
| Employment History | 1 | $92,000 | $92,000 | $92,000 | $31,000 | $31,000 |
| 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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