Wirt County, WV Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 144 mortgage applications in Wirt County, WV totaling $11.9 million, down 3% from 2011. The average application was for $82,000, and applicants reported an average income of $52,000. 52% of applications resulted in an originated loan and 27% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 23 applications, followed by Wesbanco Bank, Inc. and Community Bank of Parkersburg.
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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 | 144 |
| Total Mortgage Loan Application Amount | $11,908,000 |
| Average Mortgage Loan Application Amount | $82,000 |
| Highest Mortgage Loan Application Amount | $284,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $232,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 23 | $ 1,438,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 5,520,183,000 | 17 | $ 612,000 |
| Community Bank of Parkersburg 631 JULIANA ST PARKERSBURG, WV 26101 |
* | $ 234,476,000 | 14 | $ 1,302,000 |
| Peoples Bank, National Associa 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 1,788,701,000 | 13 | $ 1,115,000 |
| Calhoun County Banks Inc 362 MAIN STREET GRANTSVILLE, WV 26147 |
* | $ 116,357,000 | 10 | $ 883,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 8 | $ 855,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 7 | $ 474,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 4 | $ 593,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 3,625,405,000 | 4 | $ 216,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,753,165,000 | 3 | $ 233,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 54,183,383,000 | 3 | $ 274,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 2 | $ 247,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 2 | $ 179,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 2 | $ 227,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 2 | $ 201,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ 12,167,000 | 2 | $ 255,000 |
| Belpre Savings Bank POB 39 BELPRE, OH 45714 |
* | $ 46,666,000 | 2 | $ 113,000 |
| Union Bank, Inc. P.O. BOX 810 HUNDRED, WV 26149 |
* | $ 184,111,000 | 2 | $ 144,000 |
| West Virginia Central CU 1306 MURDOCH AVE PARKERSBURG, WV 26101 |
* | $ 93,202,000 | 2 | $ 109,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 147,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 1 | $ 55,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 83,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ 302,712,000 | 1 | $ 32,000 |
| Williamstown Bank, Inc. 435 HIGHLAND AVE., WILLIAMSTOWN, WV 26187 |
* | $ 133,082,000 | 1 | $ 5,000 |
| Whitesville State Bank 38609 COAL RIVER ROAD WHITESVILLE, WV 25209 |
* | $ 79,279,000 | 1 | $ 9,000 |
| Premier Bank, Inc. 601 WASHINGTON STREET RAVENSWOOD, WV 26164 |
* | $ 750,094,000 | 1 | $ 55,000 |
| Coastal States Mortgage, Inc. 5 BOW CIRCLE HILTON HEAD ISLAND, SC 29928 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Doolin Security Savings Bank, FSB 610 N. STATE ROUTE 2 NEW MARTINSVILLE,, WV 26155 |
* | $ 41,732,000 | 1 | $ 95,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,184,743,000 | 1 | $ 147,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 1 | $ 261,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 1 | $ 162,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 2,716,563,000 | 1 | $ 218,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 216,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 130,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 160,000 |
| Integrity Home Mortgage Corporation 122 PILOT CIRCLE WINCHESTER, VA 22602 |
* | $ 1,000,000,000 | 1 | $ 210,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 41,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 1 | $ 77,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 1 | $ 86,000 |
The tables below break down 2012 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 2012
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 | 67 | $5,136,000 | $76,000 | $263,000 | $51,000 | $163,000 |
| Refinancing | 56 | $5,916,000 | $105,000 | $261,000 | $56,000 | $186,000 |
| Home Improvement | 21 | $856,000 | $40,000 | $284,000 | $49,000 | $232,000 |
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 | 127 | $9,900,000 | $77,000 | $284,000 | $54,000 | $232,000 |
| Not Provided | 10 | $1,273,000 | $127,000 | $263,000 | $42,000 | $76,000 |
| Not applicable | 4 | $515,000 | $128,000 | $216,000 | $12,000 | $50,000 |
| Hispanic | 2 | $117,000 | $58,000 | $77,000 | $80,000 | $96,000 |
| Black or African American | 1 | $103,000 | $103,000 | $103,000 | $0 | $0 |
| 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 |
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) | 122 | $9,620,000 | $78,000 | $284,000 | $54,000 | $232,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,562,000 | $104,000 | $210,000 | $47,000 | $136,000 |
| VA-guaranteed (Veterans Administration) | 4 | $435,000 | $108,000 | $147,000 | $33,000 | $96,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $291,000 | $97,000 | $146,000 | $34,000 | $61,000 |
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 | 75 | $6,436,000 | $85,000 | $284,000 | $60,000 | $232,000 |
| Application Denied By Financial Institution | 39 | $2,295,000 | $58,000 | $263,000 | $41,000 | $115,000 |
| Application Withdrawn By Applicant | 10 | $1,148,000 | $114,000 | $162,000 | $56,000 | $136,000 |
| Application Approved But Not Accepted | 10 | $770,000 | $77,000 | $218,000 | $44,000 | $76,000 |
| Loan Purchased By The Institution | 7 | $897,000 | $128,000 | $216,000 | $19,000 | $50,000 |
| File Closed For Incompleteness | 3 | $362,000 | $120,000 | $143,000 | $95,000 | $114,000 |
| 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 | 4 | $249,000 | $62,000 | $110,000 | $40,000 | $50,000 |
| Debt-To-Income Ratio | 4 | $390,000 | $97,000 | $263,000 | $30,000 | $62,000 |
| Credit Application Incomplete | 2 | $136,000 | $68,000 | $77,000 | $78,000 | $96,000 |
| Collateral | 1 | $79,000 | $79,000 | $79,000 | $37,000 | $37,000 |
| Other | 1 | $55,000 | $55,000 | $55,000 | $68,000 | $68,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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