Wirt County, WV Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 175 mortgage applications in Wirt County, WV totaling $16.1 million, up 18% from 2015. The average application was for $92,000, and applicants reported an average income of $60,000. 52% of applications resulted in an originated loan and 28% were denied. The most active lender was Calhoun County Banks Inc, with 27 applications, followed by Wesbanco Bank, Inc. and Vanderbilt Mortgage and Finance, 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 | 175 |
| Total Mortgage Loan Application Amount | $16,113,000 |
| Average Mortgage Loan Application Amount | $92,000 |
| Highest Mortgage Loan Application Amount | $735,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $650,000 |
Top Mortgage Lenders in Wirt County, WV (2016)
Ranked by the number of mortgage applications each lender reported in Wirt County, WV in 2016.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Calhoun County Banks Inc Grantsville, WV |
27 | $1,756,000 | $65,000 | $52,000 |
| 2 | Wesbanco Bank, Inc. Wheeling, WV |
22 | $840,000 | $38,000 | $34,000 |
| 3 | Vanderbilt Mortgage and Finance, Inc Maryville, TN |
22 | $1,563,000 | $71,000 | $56,000 |
| 4 | Community Bank of Parkersburg Parkersburg, WV |
11 | $870,000 | $79,000 | $50,000 |
| 5 | loanDepot.com LLC Irvine, CA |
8 | $1,526,000 | $190,000 | $123,000 |
| 6 | Peoples Bank Marietta, OH |
7 | $757,000 | $108,000 | $54,000 |
| 7 | Truist Bank Raleigh, NC |
6 | $579,000 | $96,000 | $69,000 |
| 8 | United Bank Inc Parkersburg, WV |
4 | $532,000 | $133,000 | $83,000 |
| 9 | Huntington National Bank Columbus, OH |
4 | $420,000 | $105,000 | $67,000 |
| 10 | Wells Fargo Bank NA Minneapolis, MN |
4 | $368,000 | $92,000 | $104,000 |
The tables below break down 2016 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 2016
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 | 87 | $8,194,000 | $94,000 | $323,000 | $56,000 | $215,000 |
| Refinancing | 61 | $6,826,000 | $111,000 | $735,000 | $75,000 | $650,000 |
| Home Improvement | 27 | $1,093,000 | $40,000 | $235,000 | $40,000 | $90,000 |
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 | 159 | $14,444,000 | $90,000 | $735,000 | $60,000 | $650,000 |
| Not Provided | 7 | $658,000 | $94,000 | $261,000 | $77,000 | $210,000 |
| Not applicable | 6 | $719,000 | $119,000 | $146,000 | $0 | $0 |
| Black or African American | 2 | $241,000 | $120,000 | $121,000 | $125,000 | $127,000 |
| Hispanic | 1 | $51,000 | $51,000 | $51,000 | $116,000 | $116,000 |
| Native Hawaiin 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) | 144 | $12,337,000 | $85,000 | $735,000 | $62,000 | $650,000 |
| VA-guaranteed (Veterans Administration) | 14 | $2,185,000 | $156,000 | $207,000 | $69,000 | $132,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,074,000 | $97,000 | $245,000 | $41,000 | $86,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $517,000 | $86,000 | $103,000 | $27,000 | $41,000 |
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 | 91 | $8,328,000 | $91,000 | $323,000 | $57,000 | $155,000 |
| Application Denied By Financial Institution | 49 | $4,467,000 | $91,000 | $735,000 | $71,000 | $650,000 |
| File Closed For Incompleteness | 12 | $913,000 | $76,000 | $207,000 | $64,000 | $121,000 |
| Application Approved But Not Accepted | 8 | $623,000 | $77,000 | $157,000 | $45,000 | $90,000 |
| Application Withdrawn By Applicant | 8 | $862,000 | $107,000 | $168,000 | $67,000 | $150,000 |
| Loan Purchased By The Institution | 7 | $920,000 | $131,000 | $201,000 | $18,000 | $132,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 9 | $1,198,000 | $133,000 | $261,000 | $98,000 | $218,000 |
| Credit History | 7 | $460,000 | $65,000 | $136,000 | $76,000 | $215,000 |
| Credit Application Incomplete | 3 | $146,000 | $48,000 | $81,000 | $44,000 | $80,000 |
| Mortgage Insurance Denied | 1 | $111,000 | $111,000 | $111,000 | $56,000 | $56,000 |
| Other | 1 | $50,000 | $50,000 | $50,000 | $52,000 | $52,000 |
| Debt-To-Income Ratio | 1 | $164,000 | $164,000 | $164,000 | $87,000 | $87,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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