Wirt County, WV Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 312 mortgage applications in Wirt County, WV totaling $19.6 million, up 13% from 2004. The average application was for $62,000, and applicants reported an average income of $41,000. 45% of applications resulted in an originated loan and 28% were denied. The most active lender was Beneficial Company LLC, with 47 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 | 312 |
| Total Mortgage Loan Application Amount | $19,639,000 |
| Average Mortgage Loan Application Amount | $62,000 |
| Highest Mortgage Loan Application Amount | $265,000 |
| Average Applicant Income | $41,000 |
| Highest Applicant Income | $509,000 |
* 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 Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 500,990,000 | 47 | $ 3,356,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 3,991,988,000 | 29 | $ 852,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 15 | $ 1,095,000 |
| Franklin Bank SSB 9800 RICHMOND, SUITE 680 HOUSTON, TX 77042 |
* | $ 3,477,922,000 | 15 | $ 1,005,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 128,495,705,000 | 14 | $ 1,133,000 |
| Calhoun County Banks Inc 362 MAIN STREET GRANTSVILLE, WV 26147 |
* | $ 85,533,000 | 12 | $ 384,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 12 | $ 913,000 |
| Peoples Bank, National Associa 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 1,793,773,000 | 10 | $ 656,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,484,101,000,000 | 10 | $ 511,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 9 | $ 426,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 3,772,888,000 | 7 | $ 246,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 366,256,000,000 | 7 | $ 487,000 |
| Wells Fargo Finl West Virginia 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 134,716,000 | 7 | $ 593,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 74,479,112,000 | 7 | $ 376,000 |
| Finance America 745 SEVENTH AVENUE, 24TH FLOOR NEW YORK, NY 10019 |
* | $ 250,000,000 | 6 | $ 380,000 |
| West Virginia Central CU 1306 MURDOCH AVE PARKERSBURG, WV 26101 |
* | $ 48,047,000 | 6 | $ 282,000 |
| One Community Federal Credit Union 531 FIFTH STREET PARKERSBURG, WV 26101 |
* | $ 51,448,000 | 5 | $ 626,000 |
| HSBC Mortgage Services, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 18,823,411,000 | 5 | $ 314,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 5 | $ 239,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 4 | $ 170,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 32,105,960,000 | 4 | $ 125,000 |
| Traders Bank Inc PO BOX 1009 SPENCER, WV 25276 |
* | $ 110,593,000 | 4 | $ 172,000 |
| Williamstown National Bank 435 HIGHLAND AVENUE; PO BOX 305 WILLIAMSTOWN, WV 26187 |
* | $ 88,635,000 | 4 | $ 197,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 272,927,502,000 | 3 | $ 290,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ 207,256,000 | 3 | $ 146,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 967,365,000,000 | 3 | $ 133,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 169,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 3 | $ 323,000 |
| Decision One Mortgage 26525 N. RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 339,807,228,000 | 2 | $ 130,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 2 | $ 199,000 |
| First Federal Savings Bank 726 WELLS STREET SISTERSVILLE, WV 26175 |
* | $ 47,205,000 | 2 | $ 350,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 67,000 |
| Citimortgage, Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 59,720,267,000 | 2 | $ 99,000 |
| Crevecor Mortgage Inc 1150 HANLEY INDUSTRIAL CRT BRENTWOOD, MO 63144 |
* | $ 12,730,945,000 | 2 | $ 114,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 88,743,171,000 | 2 | $ 106,000 |
| Advantage Bank 814 WHEELING AVE CAMBRIDGE, OH 43725 |
* | $ 1,057,685,000 | 2 | $ 261,000 |
| Potomac Bank 111 EAST WASHINGTON ST CHARLES TOWN, WV 00000 |
* | $ 248,506,000 | 2 | $ 125,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 2 | $ 109,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 130,780,100,000 | 2 | $ 158,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 2 | $ 78,000 |
| Mortgage Lenders Network USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 2 | $ 198,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 100,000 |
| United Midwest Savings Bank 101 S MAIN ST DEGRAFF, OH 43318 |
* | $ 218,842,000 | 2 | $ 179,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 194,000 |
| Netbank Fundings Services 9710 TWO NOTCH ROAD COLUMBIA, SC 29223 |
* | $ 4,600,723,000 | 1 | $ 65,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 28,456,701,000 | 1 | $ 145,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 154,000 |
| Rbc Mortgage P O BOX 1220 ROCKY MOUNT, NC 27802 |
* | $ 228,609,000 | 1 | $ 140,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Sunset Direct Lending 5000 SW MEADOWS ROAD SUITE 131 LAKE OSWEGO, OR 97035 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Sunset Mortgage Company, L.P. 3 DICKENSON DRIVE CHADDS FORD, PA 19317 |
* | $ 10,000,000 | 1 | $ 77,000 |
| The Ohio Valley Bank Company 420 THIRD AVENUE GALLIPOLIS, OH 45631 |
* | $ 720,869,000 | 1 | $ 59,000 |
| Allied Home Mtg Capital Corp 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 43,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 1,663,205,000 | 1 | $ 94,000 |
| Premier Bank, Inc. 601 WASHINGTON STREET RAVENSWOOD, WV 26164 |
* | $ 158,983,000 | 1 | $ 40,000 |
| Cuna Mutual Mortgage Corporati 2908 MARKETPLACE DRIVE SUITE 100 MADISON, WI 53719 |
* | $ 10,000,000 | 1 | $ 118,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,208,826,000 | 1 | $ 40,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 1 | $ 92,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 40,963,356,000 | 1 | $ 60,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 57,000 |
| Lasalle Bank NA 135 SOUTH LASALLE STREET, STE 2325 CHICAGO, IL 60603 |
* | $ 63,734,827,000 | 1 | $ 30,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 52,414,140,000 | 1 | $ 13,000 |
| Morequity,Inc. (Nv) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 94,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 1 | $ 66,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 13,102,536,000 | 1 | $ 59,000 |
The tables below break down 2005 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 2005
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 | 181 | $13,356,000 | $73,000 | $265,000 | $42,000 | $509,000 |
| Home Purchase | 82 | $4,991,000 | $60,000 | $200,000 | $38,000 | $170,000 |
| Home Improvement | 49 | $1,292,000 | $26,000 | $215,000 | $51,000 | $157,000 |
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 | 275 | $17,517,000 | $63,000 | $265,000 | $43,000 | $509,000 |
| Not Provided | 23 | $1,316,000 | $57,000 | $119,000 | $48,000 | $157,000 |
| Not applicable | 13 | $741,000 | $57,000 | $147,000 | $0 | $0 |
| Hispanic | 1 | $65,000 | $65,000 | $65,000 | $44,000 | $44,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $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 |
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) | 301 | $18,885,000 | $62,000 | $265,000 | $42,000 | $509,000 |
| FHA-insured (Federal Housing Administration) | 9 | $536,000 | $59,000 | $79,000 | $31,000 | $41,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $65,000 | $65,000 | $65,000 | $26,000 | $26,000 |
| VA-guaranteed (Veterans Administration) | 1 | $153,000 | $153,000 | $153,000 | $39,000 | $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 | 141 | $8,415,000 | $59,000 | $265,000 | $46,000 | $509,000 |
| Application Denied By Financial Institution | 88 | $5,561,000 | $63,000 | $250,000 | $37,000 | $157,000 |
| Application Withdrawn By Applicant | 36 | $2,649,000 | $73,000 | $164,000 | $47,000 | $94,000 |
| Application Approved But Not Accepted | 24 | $1,414,000 | $58,000 | $161,000 | $36,000 | $60,000 |
| Loan Purchased By The Institution | 20 | $1,494,000 | $74,000 | $225,000 | $22,000 | $75,000 |
| File Closed For Incompleteness | 3 | $106,000 | $35,000 | $50,000 | $60,000 | $157,000 |
| 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 | 14 | $1,013,000 | $72,000 | $165,000 | $40,000 | $63,000 |
| Collateral | 7 | $422,000 | $60,000 | $92,000 | $40,000 | $83,000 |
| Other | 3 | $241,000 | $80,000 | $116,000 | $38,000 | $48,000 |
| Unverifiable Information | 3 | $137,000 | $45,000 | $57,000 | $46,000 | $69,000 |
| Debt-To-Income Ratio | 3 | $167,000 | $55,000 | $74,000 | $23,000 | $35,000 |
| Employment History | 2 | $129,000 | $64,000 | $77,000 | $39,000 | $53,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $119,000 | $59,000 | $74,000 | $23,000 | $27,000 |
| Credit Application Incomplete | 2 | $68,000 | $34,000 | $55,000 | $95,000 | $157,000 |
| 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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