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Key Questions:

    1. How at risk is Marion, West Virginia to the subprime mortgage crisis?
    2. Loans taken out by home owners in Marion, West Virginia are within a +/- 10 percent band of the national average. That is to say, Marion, West Virginia will likely be affected by the subprime mortgage crisis just like the average county in the US.
    1. How stretched will home owners in Marion, West Virginia be in paying off their mortgage?
    2. Homeowners in Marion, West Virginia borrowed an average of 1.35 times their annual income for their mortgage. This compares to 1.83 for all of the US. Based on the national average, a significantly lower risk that Marion, West Virginia homeowners will default on their mortgage payments in the coming years.
    1. Who are the leading lenders in Marion, West Virginia?
    2. The leading lenders, by market share, are Branch Banking And Trust Co, Beneficial Company Llc and The Huntington National Bank. Do you have the best rate possible? Get quotes from mortgage lenders.
    1. How likely are the owners of homes in Marion, West Virginia to actually live in them?
    2. 92.1% of home owners in Marion, West Virginia that applied for a mortgage in 2006 live in their homes versus owning them as an investment property. This compares to the national average of 89.0%.
2006 Mortgage Research Marion West Virginia US
Total Applications 3,323 118,174 33,304,682
Average Loan $88.7k $104.0k $184.9k
Loan to Income Ratio 1.35 1.46 1.83
Subprime Loans 10.92% 12.81% 11.98%
Refinancing Loans 51.43% 48.95% 50.05%
Principal Dwellings 92.12% 91.04% 88.97%
Rejected Applications 13.93% 14.79% 12.36%

Nearby Counties:   Monongalia, Taylor, Harrison, Wetzel, Barbour

Top Ten Lenders
# Name Share Apps
1 Branch Banking And Trust Co 12.34% 410
2 Beneficial Company Llc 9.66% 321
3 The Huntington National Bank 7.61% 253
4 Wells Fargo Finl West Virginia 6.74% 224
5 Wesbanco Bank, Inc. 4.54% 151
6 First Exchange Bank 4.15% 138
7 Fairmont Federal Credit Union 4.03% 134
8 Gmac Mortgage Llc 3.61% 120
9 Mvb Bank, Inc 3.61% 120
10 Wells Fargo Bank, Na 3.13% 104