Wirt County, WV Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 167 mortgage applications in Wirt County, WV totaling $14.0 million, up 16% from 2012. The average application was for $83,000, and applicants reported an average income of $52,000. 54% of applications resulted in an originated loan and 26% were denied. The most active lender was Wesbanco Bank, Inc., with 25 applications, followed by Community Bank of Parkersburg and Calhoun County Banks 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 | 167 |
| Total Mortgage Loan Application Amount | $13,963,000 |
| Average Mortgage Loan Application Amount | $83,000 |
| Highest Mortgage Loan Application Amount | $320,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $184,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 6,065,555,000 | 25 | $ 1,070,000 |
| Community Bank of Parkersburg 631 JULIANA ST PARKERSBURG, WV 26101 |
* | $ 239,064,000 | 24 | $ 2,552,000 |
| Calhoun County Banks Inc 362 MAIN STREET GRANTSVILLE, WV 26147 |
* | $ 126,285,000 | 16 | $ 695,000 |
| Peoples Bank, National Associa 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 1,911,841,000 | 12 | $ 951,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 9 | $ 757,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 6 | $ 261,000 |
| West Virginia Central CU 1306 MURDOCH AVE PARKERSBURG, WV 26101 |
* | $ 108,102,000 | 5 | $ 328,000 |
| Williamstown Bank, Inc. 435 HIGHLAND AVE., WILLIAMSTOWN, WV 26187 |
* | $ 145,805,000 | 5 | $ 465,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 4,932,825,000 | 4 | $ 423,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 4 | $ 517,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 4 | $ 402,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 4 | $ 472,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 3 | $ 126,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 55,954,625,000 | 3 | $ 303,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 3 | $ 401,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 3 | $ 199,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ 312,134,000 | 3 | $ 531,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 333,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 463,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,891,810,000 | 2 | $ 173,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 39,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 305,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 185,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 2 | $ 205,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 169,076,807,000 | 1 | $ 62,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 1 | $ 124,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 1 | $ 134,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 1 | $ 93,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 82,086,021,000 | 1 | $ 121,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 1 | $ 62,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ 12,167,000 | 1 | $ 125,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,893,976,000 | 1 | $ 104,000 |
| Premier Bank, Inc. 601 WASHINGTON STREET RAVENSWOOD, WV 26164 |
* | $ 738,858,000 | 1 | $ 5,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 1 | $ 65,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 1 | $ 103,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 159,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 212,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 137,781,000 | 1 | $ 46,000 |
The tables below break down 2013 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 2013
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 | 72 | $6,585,000 | $91,000 | $206,000 | $54,000 | $184,000 |
| Home Purchase | 66 | $6,550,000 | $99,000 | $320,000 | $57,000 | $184,000 |
| Home Improvement | 29 | $828,000 | $28,000 | $113,000 | $38,000 | $113,000 |
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 | 149 | $11,859,000 | $79,000 | $320,000 | $55,000 | $184,000 |
| Not applicable | 12 | $1,459,000 | $121,000 | $206,000 | $27,000 | $96,000 |
| Not Provided | 6 | $645,000 | $107,000 | $150,000 | $48,000 | $130,000 |
| 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 |
| 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) | 147 | $11,625,000 | $79,000 | $320,000 | $55,000 | $184,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,123,000 | $112,000 | $234,000 | $30,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 8 | $953,000 | $119,000 | $212,000 | $34,000 | $73,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $262,000 | $131,000 | $159,000 | $51,000 | $69,000 |
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 | 90 | $7,944,000 | $88,000 | $320,000 | $57,000 | $184,000 |
| Application Denied By Financial Institution | 43 | $3,074,000 | $71,000 | $242,000 | $44,000 | $135,000 |
| Application Withdrawn By Applicant | 14 | $947,000 | $67,000 | $123,000 | $46,000 | $120,000 |
| Loan Purchased By The Institution | 13 | $1,524,000 | $117,000 | $206,000 | $33,000 | $113,000 |
| Application Approved But Not Accepted | 6 | $384,000 | $64,000 | $125,000 | $95,000 | $152,000 |
| File Closed For Incompleteness | 1 | $90,000 | $90,000 | $90,000 | $82,000 | $82,000 |
| 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 | 11 | $871,000 | $79,000 | $197,000 | $62,000 | $135,000 |
| Debt-To-Income Ratio | 4 | $287,000 | $71,000 | $135,000 | $22,000 | $36,000 |
| Collateral | 3 | $185,000 | $61,000 | $93,000 | $30,000 | $72,000 |
| Credit Application Incomplete | 1 | $67,000 | $67,000 | $67,000 | $61,000 | $61,000 |
| Unverifiable Information | 1 | $124,000 | $124,000 | $124,000 | $38,000 | $38,000 |
| Employment History | 1 | $60,000 | $60,000 | $60,000 | $24,000 | $24,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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