Wyoming County, WV Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 256 mortgage applications in Wyoming County, WV totaling $21.7 million, up 16% from 2019. The average application was for $84,000, and applicants reported an average income of $73,000. 36% of applications resulted in an originated loan and 30% were denied. The most active lender was Summit Community Bank, Inc, with 53 applications, followed by Vanderbilt Mortgage and Finance, Inc and First Community Bank.
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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 | 256 |
| Total Mortgage Loan Application Amount | $21,690,000 |
| Average Mortgage Loan Application Amount | $84,000 |
| Highest Mortgage Loan Application Amount | $315,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $235,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 2,401,941,000 | 53 | $ 4,365,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 34 | $ 2,790,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 2,796,982,000 | 32 | $ 2,690,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 17 | $ 975,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 11 | $ 945,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 4,956,190,000 | 10 | $ 1,050,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 6 | $ 450,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 108,739,378,000 | 6 | $ 490,000 |
| McNb Bank and Trust Co 75 WYOMING ST WELCH, WV 24801 |
* | $ 301,427,000 | 6 | $ 670,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 5 | $ 395,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 5 | $ 255,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 167,845,100,000 | 3 | $ 265,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 3 | $ 295,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 3 | $ 275,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 3 | $ 175,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 270,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 2 | $ 190,000 |
| Pendleton Community Bank 128 N MAIN ST FRANKLIN, WV 26807 |
* | $ 442,153,000 | 2 | $ 230,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 2 | $ 90,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 280,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 250,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 2 | $ 80,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 2 | $ 150,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 1 | $ 95,000 |
| First Commonwealth Bank PO BOX 400 INDIANA, PA 15701 |
* | $ 8,288,367,000 | 1 | $ 45,000 |
| The State Credit Union 2200 WASHINGTON STREET, EAST, CHARLESTON, WV 25311 |
* | $ 70,080,000 | 1 | $ 35,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 95,000 |
| Ashland Credit Union 1300 CENTRAL AVE ASHLAND, KY 41101 |
* | $ 273,530,000 | 1 | $ 145,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 95,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 45,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 85,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 1 | $ 65,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 75,000 |
| Siwell, Inc., dba Capital Mortgage Services of Tex 4210 50TH ST LUBBOCK, TX 79413 |
* | $ -1,000 | 1 | $ 35,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ 19,644,548,000 | 1 | $ 245,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 65,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 1 | $ 105,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,453,998,000,000 | 1 | $ 25,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 65,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 789,398,000 | 1 | $ 85,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 95,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 85,000 |
| Putnam County Bank P.O. BOX 308 HURRICANE, WV 25526 |
* | $ 589,814,000 | 1 | $ 25,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 95,000 |
The tables below break down 2020 mortgage applications in Wyoming 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 Wyoming County, WV in 2020
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 | 147 | $11,535,000 | $78,000 | $315,000 | $63,000 | $235,000 |
| Refinancing | 42 | $5,060,000 | $120,000 | $245,000 | $96,000 | $173,000 |
| Cash-out Refinancing | 29 | $3,125,000 | $107,000 | $235,000 | $100,000 | $210,000 |
| Other Purpose | 21 | $1,155,000 | $55,000 | $145,000 | $57,000 | $145,000 |
| Home Improvement | 14 | $550,000 | $39,000 | $145,000 | $77,000 | $159,000 |
| Not Applicable | 3 | $265,000 | $88,000 | $115,000 | $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 | 229 | $19,505,000 | $85,000 | $315,000 | $74,000 | $235,000 |
| Not Provided | 19 | $1,575,000 | $82,000 | $235,000 | $65,000 | $173,000 |
| Not applicable | 5 | $405,000 | $81,000 | $115,000 | $0 | $0 |
| Black or African American | 2 | $120,000 | $60,000 | $65,000 | $48,000 | $73,000 |
| American Indian or Alaskan Native | 1 | $85,000 | $85,000 | $85,000 | $19,000 | $19,000 |
| Asian | 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) | 209 | $17,745,000 | $84,000 | $315,000 | $77,000 | $235,000 |
| FHA-insured (Federal Housing Administration) | 33 | $2,615,000 | $79,000 | $175,000 | $49,000 | $83,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $635,000 | $70,000 | $95,000 | $54,000 | $66,000 |
| VA-guaranteed (Veterans Administration) | 5 | $695,000 | $139,000 | $195,000 | $49,000 | $103,000 |
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 | 93 | $8,345,000 | $89,000 | $235,000 | $79,000 | $217,000 |
| Application Denied By Financial Institution | 77 | $4,905,000 | $63,000 | $195,000 | $54,000 | $159,000 |
| Application Withdrawn By Applicant | 40 | $4,020,000 | $100,000 | $315,000 | $94,000 | $234,000 |
| File Closed For Incompleteness | 26 | $2,360,000 | $90,000 | $155,000 | $52,000 | $100,000 |
| Application Approved But Not Accepted | 14 | $1,550,000 | $110,000 | $245,000 | $108,000 | $235,000 |
| Loan Purchased By The Institution | 6 | $510,000 | $85,000 | $115,000 | $0 | $0 |
| 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 | 174 | $16,290,000 | $93,000 | $315,000 | $80,000 | $235,000 |
| Credit History | 37 | $1,985,000 | $53,000 | $105,000 | $57,000 | $159,000 |
| Debt-To-Income Ratio | 17 | $1,345,000 | $79,000 | $175,000 | $58,000 | $131,000 |
| Collateral | 7 | $535,000 | $76,000 | $195,000 | $45,000 | $95,000 |
| Credit Application Incomplete | 6 | $320,000 | $53,000 | $95,000 | $41,000 | $74,000 |
| Unverifiable Information | 6 | $400,000 | $66,000 | $105,000 | $59,000 | $117,000 |
| Other | 5 | $315,000 | $63,000 | $135,000 | $48,000 | $82,000 |
| Employment History | 2 | $240,000 | $120,000 | $175,000 | $91,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $260,000 | $130,000 | $175,000 | $95,000 | $104,000 |
| 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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