American Financing in West Virginia vs the state
52.0%Denial rate+30.78 pts vs state
64.7%Decision denial rate+38.05 pts vs state
18.1%Origination rate-36.68 pts vs state
6.38%Median rate-0.25 pts vs state
0.09Rate spread (pts)-0.31 pts vs state
$79kMedian applicant income
23Loans originated
66Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 57 | 19 | 28.1% | 6.99% | #116 |
| 2024 | 91 | 23 | 45.1% | 6.38% | #92 |
| 2025 | 127 | 23 | 52.0% | 6.38% | #87 |
What American Financing lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most American Financing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berkeley County | 11 | 2 | 4 | 36.4% |
| Jefferson County | 10 | 1 | 8 | 80.0% |
| Kanawha County | 8 | 2 | 3 | 37.5% |
| Cabell County | 8 | 1 | 2 | 25.0% |
| Wayne County | 7 | 3 | 4 | 57.1% |
| Raleigh County | 7 | 2 | 3 | 42.9% |
| Monongalia County | 7 | 2 | 2 | 28.6% |
| Harrison County | 7 | 1 | 4 | 57.1% |
| Greenbrier County | 6 | 0 | 3 | 50.0% |
| Jackson County | 5 | 4 | 0 | 0.0% |
Other large lenders in West Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 3,615 | 23.0% | 6.88% |
| Vanderbilt Mortgage and Finance | F | 3,214 | 38.5% | 9.99% |
| City National Bank of West Virginia | C | 2,870 | 25.0% | 6.29% |
| The Huntington National Bank | D | 2,194 | 28.1% | 7.00% |
| Truist Bank | C | 1,776 | 31.1% | 6.63% |
| Loandepot.Com | D | 1,624 | 18.7% | 6.58% |
| Mortgage Research Center | C | 1,592 | 17.4% | 6.25% |
| WesBanco Bank | B | 1,475 | 16.7% | 6.01% |
| Movement Mortgage | A | 1,167 | 5.4% | 6.63% |
| Crosscountry Mortgage | B | 1,140 | 4.0% | 6.58% |
Frequently asked questions
West Virginia: 127 applications in 2025, of which 23 were originated and 66 denied.
52.0% of all applications, or 64.7% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans American Financing originated in West Virginia in 2025 was 6.38%, against a statewide median of 6.62%.
About this data. Figures are American Financing's own HMDA filing for properties located in West Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology