Wirt County, WV Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 155 mortgage applications in Wirt County, WV totaling $13.3 million, up 2% from 2017. The average application was for $85,000, and applicants reported an average income of $53,000. 53% of applications resulted in an originated loan and 28% were denied. The most active lender was Calhoun County Banks Inc, with 37 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 | 155 |
| Total Mortgage Loan Application Amount | $13,265,000 |
| Average Mortgage Loan Application Amount | $85,000 |
| Highest Mortgage Loan Application Amount | $305,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $147,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Calhoun County Banks Inc 362 MAIN STREET GRANTSVILLE, WV 26147 |
* | $ 132,481,000 | 37 | $ 3,025,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 9,792,150,000 | 19 | $ 1,835,000 |
| Community Bank of Parkersburg 631 JULIANA ST PARKERSBURG, WV 26101 |
* | $ 235,680,000 | 12 | $ 1,130,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 9 | $ 335,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 9 | $ 485,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 104,052,030,000 | 8 | $ 680,000 |
| Peoples Bank 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 3,569,754,000 | 7 | $ 505,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 4 | $ 410,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ 328,127,000 | 3 | $ 195,000 |
| Wv Central Federal Credit Union 1306 MURDOCH AVE PARKERSBURG, WV 26101 |
* | $ 171,495,000 | 3 | $ 175,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 305,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 2 | $ 310,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 2 | $ 230,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,934,629,000 | 2 | $ 130,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 2 | $ 140,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 410,000 |
| Premier Bank, Inc. 601 WASHINGTON STREET RAVENSWOOD, WV 26164 |
* | $ 1,064,264,000 | 2 | $ 230,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 180,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ 19,041,801,000 | 2 | $ 100,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 2 | $ 360,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 190,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 264,496,000 | 1 | $ 15,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 45,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 1 | $ 215,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 1 | $ 45,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 9,060,824,000 | 1 | $ 75,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 65,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 165,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 155,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,947,088,000 | 1 | $ 65,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 65,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 45,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 195,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 1 | $ 55,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 55,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 95,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 4,072,671,000 | 1 | $ 75,000 |
The tables below break down 2018 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 2018
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 | 92 | $7,740,000 | $84,000 | $305,000 | $54,000 | $135,000 |
| Refinancing | 20 | $2,050,000 | $102,000 | $245,000 | $58,000 | $147,000 |
| Cash-out Refinancing | 19 | $1,885,000 | $99,000 | $265,000 | $52,000 | $119,000 |
| Other Purpose | 13 | $765,000 | $58,000 | $145,000 | $48,000 | $80,000 |
| Home Improvement | 10 | $810,000 | $81,000 | $235,000 | $49,000 | $100,000 |
| Not Applicable | 1 | $15,000 | $15,000 | $15,000 | $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 | 142 | $12,350,000 | $86,000 | $305,000 | $55,000 | $147,000 |
| Not Provided | 6 | $640,000 | $106,000 | $195,000 | $36,000 | $63,000 |
| Black or African American | 5 | $225,000 | $45,000 | $85,000 | $35,000 | $43,000 |
| Hispanic | 1 | $35,000 | $35,000 | $35,000 | $42,000 | $42,000 |
| Not applicable | 1 | $15,000 | $15,000 | $15,000 | $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) | 113 | $8,515,000 | $75,000 | $305,000 | $57,000 | $147,000 |
| FHA-insured (Federal Housing Administration) | 26 | $2,580,000 | $99,000 | $185,000 | $37,000 | $67,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,560,000 | $156,000 | $265,000 | $61,000 | $85,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $610,000 | $101,000 | $135,000 | $43,000 | $57,000 |
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 | 82 | $7,760,000 | $94,000 | $305,000 | $61,000 | $147,000 |
| Application Denied By Financial Institution | 44 | $3,320,000 | $75,000 | $245,000 | $43,000 | $119,000 |
| Application Approved But Not Accepted | 9 | $785,000 | $87,000 | $215,000 | $60,000 | $135,000 |
| File Closed For Incompleteness | 9 | $405,000 | $45,000 | $85,000 | $41,000 | $66,000 |
| Application Withdrawn By Applicant | 8 | $680,000 | $85,000 | $195,000 | $39,000 | $64,000 |
| Loan Purchased By The Institution | 3 | $315,000 | $105,000 | $165,000 | $41,000 | $44,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 80 | $7,390,000 | $92,000 | $265,000 | $56,000 | $147,000 |
| Debt-To-Income Ratio | 51 | $4,045,000 | $79,000 | $305,000 | $56,000 | $135,000 |
| Credit History | 9 | $645,000 | $71,000 | $95,000 | $35,000 | $64,000 |
| Collateral | 8 | $550,000 | $68,000 | $145,000 | $43,000 | $78,000 |
| Other | 3 | $255,000 | $85,000 | $95,000 | $44,000 | $55,000 |
| Unverifiable Information | 2 | $200,000 | $100,000 | $105,000 | $41,000 | $48,000 |
| Credit Application Incomplete | 2 | $180,000 | $90,000 | $145,000 | $27,000 | $30,000 |
| 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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