Mcnb Bank And Trust Co.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019

Mcnb Bank And Trust Co. 2019 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.

Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher, this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.

Mortgage Company & Address Mcnb Bank And Trust Co.
75 Wyoming St
Welch, WV 24801
Tel #: available with data download
Federal Regulator * available with data download
Years 2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  
Total Number of Mortgage Applications 163
Total Mortgage Loan Application Amount $32,305,000
Average Mortgage Loan Application Amount $120,400
Highest Mortgage Loan Application Amount $2,895,000
Average Applicant Income $49,600
Highest Applicant Income $214,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with Mcnb Bank And Trust Co.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Mcnb Bank And Trust Co.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2019 breaks down Mcnb Bank And Trust Co.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Mcnb Bank And Trust Co. serves its applicants.

Each category highlights the total number of mortgage applications processed by Mcnb Bank And Trust Co., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Mcnb Bank And Trust Co.'s mortgage activity for 2019.

Mortgage Loan Application Totals for Mcnb Bank And Trust Co. by Metropolitan Area in 2019

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
NA (OUTSIDE OF MSA/MD) 82 $ 8,630,000 $ 285,750 $ 58,500
BECKLEY, WV 53 $ 6,315,000 $ 119,000 $ 77,000
COLUMBUS, OH 14 $ 8,530,000 $ 609,000 $ 0
CHARLESTON, WV 4 $ 1,490,000 $ 372,000 $ 81,000
BLACKSBURG-CHRISTIANSBURG-RADFORD, VA 2 $ 420,000 $ 210,000 $ 93,000
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 2 $ 1,420,000 $ 710,000 $ 29,000
CANTON-MASSILLON, OH 1 $ 1,245,000 $ 1,245,000 $ 0
DAYTON-SPRINGFIELD-KETTERING, OH 1 $ 155,000 $ 155,000 $ 0
KNOXVILLE, TN 1 $ 265,000 $ 265,000 $ 186,000
PARKERSBURG-VIENNA, WV 1 $ 575,000 $ 575,000 $ 0
ROANOKE, VA 1 $ 365,000 $ 365,000 $ 0
WEIRTON-STEUBENVILLE, WV-OH 1 $ 2,895,000 $ 2,895,000 $ 0

Mortgage Loan Application Detail Totals for Mcnb Bank And Trust Co. in 2019

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 85 $21,675,000 $255,000 $2,895,000 $61,000 $186,000
Cash-out Refinancing 44 $6,840,000 $155,000 $1,195,000 $75,000 $214,000
Refinancing 30 $3,670,000 $122,000 $365,000 $66,000 $178,000
Other Purpose 3 $75,000 $25,000 $35,000 $46,000 $67,000
Home Improvement 1 $45,000 $45,000 $45,000 $0 $0
Not Applicable 0 $0 $0 $0 $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 133 $14,515,000 $109,000 $1,345,000 $67,000 $214,000
Not applicable 24 $16,740,000 $697,000 $2,895,000 $0 $0
Black or African American 5 $285,000 $57,000 $145,000 $26,000 $48,000
Asian 1 $765,000 $765,000 $765,000 $0 $0
American Indian or Alaskan Native 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
Not Provided 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) 145 $30,745,000 $212,000 $2,895,000 $70,000 $214,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 18 $1,560,000 $86,000 $165,000 $43,000 $70,000
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0

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 95 $24,655,000 $259,000 $2,895,000 $75,000 $214,000
Application Denied By Financial Institution 42 $4,120,000 $98,000 $235,000 $55,000 $130,000
Application Withdrawn By Applicant 15 $1,535,000 $102,000 $355,000 $59,000 $178,000
Application Approved But Not Accepted 10 $1,970,000 $197,000 $795,000 $65,000 $204,000
File Closed For Incompleteness 1 $25,000 $25,000 $25,000 $40,000 $40,000
Loan Purchased By The Institution 0 $0 $0 $0 $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
Debt-To-Income Ratio 163 $32,305,000 $198,000 $2,895,000 $66,000 $214,000
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
Not applicable 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Mcnb Bank And Trust Co.'s 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Mcnb Bank And Trust Co.'s mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in West Virginia, download the full spreadsheet with aggregated HMDA statistics today.

Download the West Virginia Lender List