McDowell County
West Virginia · FIPS 54047
According to CFPB HMDA 2024 application volume among U.S. counties, McDowell County ranks #2,696 of 3,223, and #46 of 55 in West Virginia.
Mortgage lending activity in McDowell County, West Virginia based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. McDowell County, West Virginia lenders denied 66 of the applications reported here, financing the rest at an average note rate of 7.78%, with applicants self-reporting average annual income of $33K. 19 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 2.9x, meaning typical borrowers took on mortgages of about 2.9 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in McDowell County
In McDowell County, lead originator Mcnb Bank and Trust CO funded 17.1% of 41 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 39.0% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to McDowell County's 161 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to McDowell County's $94,317 average loan (deduped against volume peers).
Lenders active in McDowell County
Mcnb Bank and Trust CO funded 7 of the 41 loans originated in McDowell County, 17.1% of the county. 19 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Mcnb Bank and Trust CO | 7 | 17.1% |
| 2 | Vanderbilt Mortgage and Finance, INC | 5 | 12.2% |
| 3 | Atlantic Union Bank | 4 | 9.8% |
| 4 | 21st Mortgage | 3 | 7.3% |
| 5 | Rocket Mortgage | 3 | 7.3% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For McDowell County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for McDowell County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.