HAFP-0095-West Virginia Housing 

Development Fund

Treasury Feedback for Resubmission of Plan

West Virginia Housing Development Fund 

Responses

Please revise the HAF plan by providing a response to the question(s).

Completeness

• Your plan lists Erica Boggess as the Authorized Official, while the original application for HAF

payments was signed by Governor James Justice. To ensure prompt payment upon approval,

the Authorized Official needs to be the same as the signatory on the original application for 

HAF payments. If you need to establish a new authorized representative for HAF payments, 

please submit a request by email to HAF@treasury.gov.

Response: On November 22, 2021, following a request to haf@treasury.gov, Erica Boggess, Executive 

Director of the West Virginia Housing Development Fund (the “WVHDF”) was assigned the role of 

Authorized Representative as well as Account Administrator and Point of Contact for the HAF Program.

Email confirmation from haf@treasury.gov attached. 

Homeowner Needs and Community Engagement

Data

• No questions.

Community Engagement and Public Participation

• Your plan did not indicate that any of the organizations involved in your public input process

primarily address housing discrimination. Is this accurate? If so, please explain how the

program is confident in its ability to reach targeted populations without engaging such 

organizations in planning and implementation.

Response: In the planning and implementation phase of the WV HAF program, the WVHDF provided 

draft plan information to 166 housing, nonprofit organizations, or other interested parties across the 

State. Although addressing housing discrimination may not be their primary function, many if not all 

are equal housing opportunity housing providers. Furthermore, the WVHDF intends to conduct 

outreach efforts to organizations with programs or initiatives to address discrimination as well as 

community organizations to help inform these populations about the program. 

It should be noted that WV lacks diversity. An August 2021 report by US News and World Report ranks 

WV as the 2nd least diverse state in the country. Recent census data indicates that 93.1% of WV’s 

population identifies as white, followed by 3.7% African American with the remaining percentage 

spread across other ethnic groups. This information was taken into consideration when developing the 

WV program as noted in several of the following responses. (Exhibit 1)
• Please describe any coordination you intend with Tribes or Tribal entities.

Response: There are no recognized Tribes or Tribal entities in WV. Per the census data, only .2% of WV 

identifies as Native American Indian or Native Alaskan. 

• Please provide an update indicating any public comments you have received since 

you submitted your HAF Plan, from which organization you received any such 

comment, andwhether you have responded to the comments.

Response: WV has not received any formal comments from the public since submission of the HAF plan. 

The WVHDF has received inquiries regarding when the program will be available through both social 

media and phone calls to our office. We are informing the public through our website and social media 

when we expect the program to open in the first quarter of 2022. We have also received several 

informal questions from our housing partners about the program guidelines that we have answered. We 

remain open to any idea or suggestion to improve the program. 

Ongoing Assessment of Homeowner Need

• No questions.

Program Design

• Please explain how the sources of data listed in the section on Homeowner Needs informed

theProgram Design Elements included in your plan.

Response: The data sources made two things clear. One, there is a significant amount of mortgage 

delinquency in our market. Two, our program funding cannot satisfy the demand. WV has the highest 

percentage of homeownership in the country yet was allocated only the small state minimum of $50 

million under the HAF program. Providing funding assistance to the greatest number of households 

most in need played a significant role in the design of the WVHDF HAF plan. This is in addition to the 

consideration of State diversity demographics.

The WVHDF is the largest loan servicer in the State servicing $873 million in single family mortgage 

loans. Most of these loans are mortgage revenue bond loans which programmatically meet the HAF 

eligibility requirements. Additionally, data was provided from other loan servicing organizations 

related to their WV portfolios. Data from both sources was used to determine average monthly PITI 

payments, average reinstatement amounts and other information to develop the program design 

elements. 
• Will there be a method in your HAF program, early in the process of engaging with a household, 

to evaluate immediate threats to the housing stability of applicants, which may need to be 

addressed under an expedited or prioritized timeline (e.g. HOA liens, tax delinquencies, utility

shut off)?

Response: Due to the limited funding allocated to WV, the HAF plan will focus on only those households 

most threatened. Mortgage assistance will be limited to those 90 days or more past due. Additionally, 

taxes, insurance, HOA and condo fees as well as utilities must be in a delinquent status to receive 

assistance. With the high number of homeowners in the State, funding will be dedicated to those with 

immediate threat of foreclosure, loss of utilities or threats related to tax liens, etc. 

A determination of eligibility for all requests for assistance will be made as expeditiously as possible. The 

process required to evaluate immediate threat requests for assistance can undermine the overall 

efficiency and effectiveness of the program as well as increase program expenses. Therefore, it was 

determined a process to expedite select applications would not be established.

• Please describe how your program will utilize housing counselors or legal services to assist

homeowners in evaluating loss mitigation options available for their mortgage. Your description

should include:

o whether your program will connect homeowners with housing counseling or 

legalservices early in the process.

o the role housing counseling or legal services providers will play in

supportinghomeowners’ efforts at engaging in loss mitigation.

Response: Housing counselors and legal services will be secondary support services offered to applicants 

according to a needs-based screening and through general referral on both the application portal and the 

WVHDF website. This method is expected to mitigate inundating these entities as well as provide a better 

quality of service to referred applicants. Upon referral these entities will work with applicants with the 

goal of informing and supporting the applicant so they can make the best decision available to them. This 

will include exploring loss mitigation options offered by their mortgage servicer in pursuit of a sustainable 

mortgage payment.

This process, in addition to the program requirement that eligible applicants be 90-days or more past due,

leverages loss mitigation and reduces the possibility of the duplication of benefits with loss mitigation.

• How will your program leverage resources available through a loss mitigation process to

benefit homeowners and how will your program avoid using HAF funds in ways that duplicate

relief that available loss mitigation options might provide?

Response: To provide limited funds to those most in need, the WVHDF HAF plan requires eligible 

applicants to be 90-days or more past due. Additionally, the need to assist seriously delinquent 

mortgages is urgent which supports the expedited distribution of the assistance by not waiting for 

mortgage servicers. The more applicants the program can assist without delay will hopefully afford 

mortgage servicers with increased capacity to assist others in our state. The HAF application portal will 

include questions to determine if the applicant has contacted their loan servicer for loss mitigation 

options. The WVHDF website will also include information encouraging homeowners to contact their loan 

servicers.
• The Mortgage Reinstatement, Mortgage Payment, and DPA Mortgage assistance programs

contain a requirement that homeowners attest and provide documents showing they have the

“ability to resume payments” after assistance. Please describe how West Virginia will 

determine sustainability, including any formula or ratio that you will use, and what specific 

documentation the homeowner will have to provide. Will homeowners who cannot document 

the ability to resume payments be referred to housing counselors for assistance with loss 

mitigation or other financialcounseling?

Response: An assessment of loan sustainability will be completed based the application information and 

an estimated front-end DTI ratio. This in addition to an applicant attestation will be used to substantiate 

loan sustainability. When it is determined an applicant lacks loan sustainability, a housing counseling 

agency referral will take place.

• Are you anticipating increased winter home energy costs and their potential impact on the

homeowners that HAF will serve?

Response: Home energy costs are always higher in winter months and energy costs are rising in general. 

The WVHDF HAF program will provide a maximum of $2500 per household toward delinquent home 

energy, water, and wastewater utilities. This amount was determined through an analysis of the utility 

costs paid under the ERA program and then increased by a factor of .75 to account for higher utility costs 

for a home vs. a smaller rental unit. (Exhibit 2) This average, as adjusted is $735. However, as evidenced

in the ERA, some delinquencies can be much higher. However, U.S. Treasury HAF guidance stated that 

program design should leverage utility assistance from other federal programs specifically created for this 

purpose. The WVHDF will provide links and information on other utility program providers on its website 

and through social media. Following program launch, if program performance data reveals this amount is 

insufficient, an adjustment will be made.

• Your Mortgage Reinstatement and Mortgage Payment assistance programs set $15,000 as the

maximum amount of combined assistance per homeowner. Please explain how you

determinedthis amount will be sufficient to resolve housing-related delinquencies and whether 

the cap will be sufficient in areas with higher housing costs?

Response: The WVHDF is the largest loan servicer in WV. WVHDF services loans on behalf of Fannie Mae 

as well as a large portfolio of mortgage revenue bond loans. Mortgage revenue bond loans represent 

low and moderate-income borrowers falling below the 150% AMI HAF program income limit. The 

WVHDF also solicited information from other loan servicing organizations with large WV loan portfolios. 

Using data from the WVHDF portfolio as well as information provided by the other loan servicing 

organizations, the average monthly loan payment is estimated at $910. (Exhibit 3). It should be noted 

that housing costs in WV are relatively low compared to the country. The WVHDF average mortgage 

revenue bond loan house price is $131,615.

“CHARLESTON, W.Va (WDTV) - West Virginia has the cheapest housing market in the U.S., according to a 

new study by The Ascent. The average home value in West Virginia is $107,064 (the lowest in the 

nation), making W.Va. the most affordable state to buy a house, according to the study. Sept 23, 2020”

https://www.wdtv.com/2020/09/23/study-wva-has-the-cheapest-housing-market-in-county/

Information from the WVHDF portfolio and the information from the other servicing organizations

indicated approximately 2151 delinquent loans in the State with a reinstatement average of $9,189.

(Exhibit 4)
During a December 1, 2021 working call, Wells Fargo reported approximately 503 WV loans 90+ days 

delinquent. This group of loans has an average PITI of $856 and average reinstatement of $12,000,

further substantiating the estimates used to set the WVHDF program maximum.

Based on this assessment and the limited funds available for the program, $15,000 should be sufficient 

to meet the needs of most eligible low- and moderate-income households. However, if program 

performance data reveals this amount is insufficient, an adjustment will be made.

Eligibility

• The Mortgage Reinstatement, Mortgage Payment, and DPA Mortgage assistance programs are

limited to borrowers who are 90 days or more delinquent. Can you explain the rationale for 

thiseligibility restriction?

Response: Given the demand for mortgage assistance and to aid those most threatened by foreclosure, 

the program was designed to assist those 90 days or more delinquent. This will improve the program’s 

effectiveness and efficiency. Additionally, it best supports mortgage servicers doing their part to 

address the problem.

Housing counseling will be utilized for ineligible applicants and assisted applicants with a non-sustainable 

mortgage payment. Ineligible applicants will be referred directly to housing counseling. Assisted 

applicants with a non-sustainable mortgage payment may be referred to housing counseling post the 

delivery of the reinstatement assistance and/or during delivery of the monthly mortgage assistance.

• For homeowners receiving assistance through the Mortgage Reinstatement and Mortgage

Payment assistance programs, will reinstatement assistance be applied before the housing

payment assistance or after? Please describe how this combined assistance will be

structured.

Response: Mortgage reinstatement will be applied first. If this satisfies the mortgage delinquency and the 

borrow attests that they will be able to remain current going forward, the borrower may not receive 

mortgage payment assistance. If, however, the borrower needs continued assistance, monthly payments

will be provided until the $15,000 maximum is reached. 

Outreach

• Please explain how the program will target outreach and provide access to homeowners

withlimited English proficiency.

Response: As noted earlier, WV lacks diversity and does not have a large population of those with limited 

English proficiency. A review of the HUD Housing Counseling data provided supports the fact there is 

limited diversity in the state. (Exhibit 5) The WVHDF will provide both its on-line and mobile application in

Spanish. It will also look to community and faith-based organizations that provide services to the Spanish 

speaking community and provide program information. The WVHDF expects its outreach to these 

communities will be focused on a grassroots outreach rather than tv or radio advertising. The WVHDF is 

also exploring texting services that can target outreach to specific demographics to further reach this 

market as well as other SDI groups. 

• Please explain how the program will provide culturally relevant marketing.

Response: The WVHDF expects outreach to be through grassroots organizations.
Prioritization 

If your program intends to serve households who are over the 100% AMI threshold, how will

your program prioritize Socially Disadvantaged Individuals? Please describe your marketing and

outreach strategy to SDI communities.

Socially disadvantaged individuals are those whose ability to purchase or own a home has been impaired 

due to diminished access to credit on reasonable terms as compared to others in comparable economic 

circumstances, based on disparities in homeownership rates in a HAF participant’s jurisdiction as 

documented by the U.S. Census. The impairment must stem from circumstances beyond their control. The 

WVHDF HAF program will consider the following as socially disadvantaged individuals:

• Member of a group that has been subjected to racial or ethnic prejudice or cultural bias within 

American Society

• Residents of majority-minority Census tract

• Individuals with limited English proficiency

• Individuals who live in persistent poverty counties as defined in the HAF guidance

- The WVHDF will provide grassroots outreach to community organizations, including housing providers, 

churches, and social organizations to provide information about the program and encourage 

participation. The WVHDF will also provide direct mail and/or text messaging to those in its loan 

servicing portfolio that may be eligible for the program. Monthly data will be evaluated to determine 

participation of socially disadvantaged individuals and adjustments to outreach will be made 

accordingly. 

Performance Goals

• Please explain how you intend to communicate your progress towards performance to the

public.

Response: The WVHDF will develop a public facing dashboard reporting on the number of households and 

level of assistance provided for transparency and to encourage applicants that, in fact, the program is 

helping. 

• Please indicate which three metrics will serve as the best indicators of the success of your

program.

Response: The best indicators will be the number of households assisted, the total amount of assistance,

and the types provided, i.e., mortgage assistance, taxes, utilities, etc. This information will illustrate the 

types of assistance available and therefore inform the public about what they may be able to receive. 

• Please indicate whether you intend to disaggregate metrics by income, race, gender, etc.

Response: The WVHDF portal will collect information on income, race, ethnicity, gender and limited 

English proficiency and may be used for reporting purposes. The portal will not require information on 

gender, race, ethnicity and English proficiency but will encourage participation to provide this data. 

Income, to the extent not determined by proxy, may be used to determine income for reporting purposes. 

• Please consider including as an additional metric the number of homeowners

assisted/foreclosures prevented solely through counseling or legal services without payment of

HAF funds to resolve the homeowner’s defaults or delinquencies.
Response: The WVHDF will consider capturing this information to the extent possible. The WVHDF intends 

to contract with HUD approved counseling agencies to provide counseling services and will obtain metrics 

on services performed, including if the counseled person or household has also received HAF assistance. 

However, it may be logistically difficult to determine with certainty that a household that received 

counseling did not receive assistance to resolve defaults. 

• Your goals listed in the “Performance Goals” chart appear to be limited to the first six months of 

the program. Can you update this chart to include performance goals for the duration of the HAF

program?

Response: WV was not a hardest hit state and therefore has no historical program information it can use 

to determine how many applications it will receive over time, nor does it have any historical data to 

determine how long it will take to move an application through the process particularly as it relates to 

working with loan servicing organizations that will be working with thousands or perhaps millions of 

loans. Without any historical background, it is extremely difficult to project longer term activity. 

Ultimately, our desire is to deploy the entire HAF award to assist WV homeowners. Our initial thinking 

was to assess the program at the six-month mark and adjust as necessary to determine if assistance 

maximums are meeting needs, if additional staffing resources will be needed, or if policies need adjusted 

to improve efficiencies. The WVHDF has made its best effort to project goals past the six-month mark

and updated these goals in the Treasury portal. 

Readiness

• Please provide the most recent available information about your program's readiness, including

staffing, contractors, etc.

Response: The WVHDF has contracted with Witt O’Briens to aid in program development based on their 

Hardest Hit experience as well as assistance with application processing. The WVHDF has hired a fulltime employee to liaison with Witt O’Briens and the participating loan servicing organizations and is in 

the process of hiring additional full-time staff. The WVHDF also has temporary personnel staffing its 

phone system to assist ERA applicants. The WVHDF has contracted with a software provider to develop 

its application portal.

• Is your program prepared to launch upon approval and, if not, by what date will you be ready to

launch following approval?

Response: The WVHDF is targeting launch for the first quarter 2022. 

• Please provide updated information about your progress in spending the initial 10% payment

from your jurisdiction’s full allocation and the status of any pilot assistance already offered or

made available to homeowners.

Response: WV was not a hardest hit state and has no application infrastructure to open a pilot program 

until its HAF application portal is developed. The WVHDF will open its application portal under a “pilot” 

program to mortgagees in its mortgage revenue bond program approximately two to four weeks before a 

state-wide launch of the program. Expenditures to date are related solely to administrative costs to 

develop the program. 

Budget

• Your administrative budget includes costs of $3,750,000 under the category of “Program

Assistance Contractor”. Please specify what these costs are inclusive of.
Response: Witt O’Briens is the program assistance contractor assisting with program development and 

application processing. It is anticipated that they will process most of the applications. 

• Your administrative budget includes costs of $251,000 under the category of “Miscellaneous”.

Please provide some examples as to what these costs are inclusive of.

Response: The miscellaneous category will cover any unanticipated or underestimated expenses of 

operating the HAF or program admin costs related to staff training, partner training, and temporary 

personnel costs. This budget line item has been updated to identify its purpose more clearly. All actual 

admin costs allocated to the HAF program will be eligible expenses. 
From: COVIDReliefITSupport@treasury.gov

To: Erica Boggess

Subject: [SPAM] RE: [Sender_Unverified] Authorized Representative

Date: Monday, November 22, 2021 10:48:36 AM

Good Morning,

We have assigned you the following HAF Roles, Account Admin, Point of Contact, and

Authorized Representative. If you have any further questions please let us know.

Best, COVID IT Relief Support

--------------- Original Message ---------------

From: Erica Boggess [eboggess@wvhdf.com]

Sent: 11/22/2021 8:14 AM

To: haf@treasury.gov

Cc: ann.v.urling@wv.gov; mary.m.lipford@wv.gov

Subject: [Sender_Unverified] Authorized Representative

** Caution: External email. Pay attention to suspicious links and attachments. Send

suspicious email to suspect@treasury.gov **

The West Virginia Housing Development Fund is administering the HAF program on behalf

of the State of West Virginia under the attached agreement. Accordingly, I submitted the HAF

plan to Treasury. Subsequently, we received the following message in the Treasury Feedback

for Resubmission of Plan:

· Your plan lists Erica Boggess as the Authorized Official, while the original

application for HAF payments was signed by Governor James Justice. To ensure

prompt payment upon approval, the Authorized Official needs to be the same as the

signatory on the original application for HAFpayments. If you need to establish a

new authorized representative for HAF payments, please submit a request by email

to HAF@treasury.gov.

I am hereby requesting that as Executive Director of the Housing Development Fund, that I

be established as the authorized representative for the State of West Virginia. Please advise if

you need anything additional. Thank you.
Erica L. Boggess, CPA

Executive Director

West Virginia Housing Development Fund

5710 MacCorkle Ave SE

Charleston, WV 25304

p. 304-391-8638 | c. 304-541-1740 | f.304-391-8761

eboggess@wvhdf.com | https://hyperlink.services.treasury.gov/agency.do?

origin=www.wvhdf.com

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Exhibit 1

West Virginia Ethnicity by County

County % White

% Hispanic 

Latino

% Black African 

American

% American 

Indian Native 

Alaskan % Asian

% Pacific 

Islander

Barbour County 95.8 0.9 0.9 0.3 0.8 0

Berkeley County 86.8 4.4 7.8 0.1 1.1 0

Boone County 98 0.4 1 0 0.1 0

Braxton County 96.9 0.2 0.7 0.3 0 0.1

Brooke County 96.3 0.9 1.7 0.1 0.5 0.2

Cabell County 90.6 1.4 4.9 0.2 1.4 0

Calhoun County 99 1.9 0 0.3 0 0

Clay County 99.4 0.2 0 0.1 0 0.1

Doddridge County 95.5 0.6 1.6 0.5 0.5 0

Fayette County 93.5 1.2 5.2 0.3 0.1 0.1

Gilmer County 83.2 4.1 12 0.2 0.9 0

Grant County 97 0.7 1.6 0 0.2 0.2

Greenbrier County 93.9 2 2.8 0 0.6 0

Hampshire County 97.1 1.5 1.1 0.3 0.4 0

Hancock County 95 1.6 2 0 0.5 0

Hardy County 91.4 1.6 5.6 0.6 1.6 0

Harrison County 95.3 1.7 1.6 0 0.6 0

Jackson County 97.6 0.7 0.4 0.8 0.3 0

Jefferson County 87.2 5.7 6.2 0.3 1.4 0

Kanawha County 88.5 1.1 7.2 0.2 1.2 0

Lewis County 97.4 1.2 0.2 0.5 0.5 0

Lincoln County 98.3 0.7 0.2 0 0.1 0.1

Logan County 96.7 0.9 1.8 0.2 0.1 0

Marion County 89.1 1.5 8.3 0.3 0.1 0

Marshall County 93.6 1.3 3.5 0.4 0.5 0

Mason County 97.5 1 0.9 0.1 0.3 0.3

McDowell County 97.3 0.7 0.4 0.1 0.6 0

Mercer County 91.2 1.2 6.4 0.2 0.6 0

Mineral County 94.8 0.9 3.4 0 0.4 0

Mingo County 95.8 0 2.3 0.1 0.1 0

Monongalia County 89.5 2.1 3.6 0.1 3.5 0

Monroe County 97.2 0.9 0.9 0.5 0 0

Morgan County 95.5 0.4 1.1 0.7 0 0

Nicholas County 97.1 0.8 0.9 0.4 0.2 0

Ohio County 92.9 1.2 3.9 0.2 0.7 0

Pendleton County 95.5 0.8 3.3 0.1 0 0

Pleasants County 96.2 2.9 0.3 0 0 0

Pocahontas County 98.6 0.6 0.4 0 0.1 0

Preston County 92.2 2.5 5.1 0.7 0.3 0

Putnam County 96.4 1.2 1.4 0.1 0.8 0.1

Raleigh County 88.1 1.6 7.7 0.3 1 0

Randolph County 96.4 1 2.1 0.2 0.6 0

Ritchie County 97.4 0.7 0.3 0 0 0

Roane County 97.9 1.1 0.1 0.1 0.2 0

Summers County 93.1 1.5 4.6 0 0 0

Taylor County 96.3 1 1.3 0 0.3 0

Tucker County 97.4 0.3 0.5 0 0.5 0

Tyler County 97.6 0.4 0.4 0.2 0.7 0

Upshur County 96.9 1.4 2 0.1 0.2 0

Wayne County 97.6 0.7 0.9 0.2 0.3 0

Webster County 99.6 0.1 0 0 0 0

Wetzel County 97.8 0.9 1.1 0 0 0

Wirt County 99.4 0.5 0.4 0 0 0

Wood County 96.2 1.2 1.4 0.4 0.5 0.1

Wyoming County 97.3 0.3 1.2 0 0.3 0

West Virginia 93.1 1.6 3.7 0.2 0.8 0

Total Non-white 6.3

Source: American Community Survey
Exhibit 2

MRAP Avg Utilities

Amount of Assist #Paid Average

Water $ 193,827 780 $ 248

Electric $ 1,025,471 1848 $ 555

Gas $ 166,328 526 $ 316

Mass Fuel $ 536 1 $ 536

Sewer $ 59,382 287 $ 207

Total $ 1,445,543 3442 $ 420

Increase for Residential - HAF 1.75 $ 735
Exhibit 3

Average PITI

Servicer Investor

Monthly Payment 

Amount (average PITIA) 

(1)

BBT Fannie $ 1,284.72

BBT Freddie $ 1,006.93

BBT Private $ 867.02

BBT USDA $ 691.94

Carrington Fannie $ 621.58

Carrington FHA $ 625.44

Carrington Freddie $ 806.63

Carrington Private $ 555.55

Carrington USDA $ 592.39

Carrington VA $ 728.62

Freedom Fannie $ 1,409.67

Freedom FHA $ 1,085.34

Freedom Freddie $ 1,422.90

Freedom Private $ 936.36

Freedom USDA $ 998.92

Freedom VA $ 1,191.33

MRC Fannie $ 866.15

MRC FHA $ 976.11

MRC Freddie $ 1,155.67

MRC Private $ 847.34

MRC USDA $ 910.47

MRC VA $ 1,190.19

SunTrust Fannie $ 955.12

SunTrust FHA $ 817.67

SunTrust Freddie $ 832.87

SunTrust Private $ 558.54

SunTrust USDA $ 833.43

SunTrust VA $ 839.41

WVHDF Bond and MU Loans $ 672.76

$ 906.24

Rounded Average Monthly PITI $ 910.00
Exhibit 4

Average Reinstatement & Delinquent Loans

Servicer Investor $ Reinstatement 

(average) Number of Delinquent Loans

BBT Fannie $ 14,398.96 Freedom 359

BBT FHA $ - BB&T 209

BBT Freddie $ 11,232.42 Carington 353

BBT Private $ 8,475.73 HST 117

BBT USDA $ 7,433.02 MCR 770

BBT VA $ - WVHDF 343

MRC Fannie $ 11,132.42 2151

MRC FHA $ 9,991.32

MRC Freddie $ 13,564.77

MRC Private $ 15,960.18

MRC USDA $ 10,302.79

MRC VA $ 14,285.47

SunTrust(HST) Fannie $ 10,766.94

SunTrust(HST) FHA $ 8,611.05

SunTrust(HST) Freddie $ 9,239.91

SunTrust(HST) Private $ 6,562.02

SunTrust(HST) USDA $ 8,165.74

SunTrust(HST) VA $ 10,780.72

WVHDF FHA $ 7,256.72

WVHDF VA $ 8,624.53

WVHDF Private $ 5,243.37

WVHDF USDA $ 7,420.45

WVHDF Fannie $ 11,900.00

Average Reinstatement $ 9,189.07
Race	and	Ethnicity

0 100 200 300 400 500 600 700 800 900 1,000 1,100 1,200

Households	Served

White

Black	or	African	American

Other/	multiple	race

Asian

American	Indian/Alaskan	Native

Black	or	African	American	and	White

Native	Hawaiian	or	Other	Pacific	Islander

American	Indian	or	Alaska	Native	and	White

American	Indian	or	Alaska	Native	and	Black	or	African	American

Asian	and	White

Chose	not	to	respond

1.1K

0.2K

0.0K

0.0K

0.0K

0.0K

0.0K

0.0K

0.0K

0.0K

0.0K

Race	of	Household

Ethnicity	of	Household

Chose	not	to	respond

7

Not	Hispanic

1,343

Hispanic

18

1,368

Please	Note:	Data	displayed	on	this	page	is	populated	by	agency-level	data	submitted	through	HUD's	Housing	Counseling	System	(HCS)	as	part	of	HUD's	9902	reporting	process.	Quarter	3	FY	2021	data	is	the	latest	data	displayed	on	this	page.	HUD	Form-9902	data	is

cumulative	–	additional	data	will	be	submitted	over	the	course	of	FY	2021.

Office	of	Housing	Counseling Updated	9/8/21

State WV

Fiscal	Quarter

FY	2021	Q3

Display	As

Total

Percent

Exhibit 5