Atlantic Coast Mortgage in West Virginia vs the state
3.8%Denial rate-17.38 pts vs state
4.3%Decision denial rate-22.33 pts vs state
78.7%Origination rate+23.94 pts vs state
6.38%Median rate-0.25 pts vs state
0.21Rate spread (pts)-0.19 pts vs state
$107kMedian applicant income
248Loans originated
12Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 174 | 125 | 3.5% | 6.13% | #59 |
| 2024 | 258 | 215 | 3.1% | 6.49% | #43 |
| 2025 | 315 | 248 | 3.8% | 6.38% | #41 |
What Atlantic Coast Mortgage lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Atlantic Coast Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 153 | 122 | 8 | 5.2% |
| Berkeley County | 128 | 107 | 3 | 2.3% |
| Hampshire County | 8 | 7 | 1 | 12.5% |
| Morgan County | 5 | 3 | 0 | 0.0% |
| Kanawha County | 5 | 1 | 0 | 0.0% |
| Fayette County | 4 | 0 | 0 | 0.0% |
| Monongalia County | 3 | 3 | 0 | 0.0% |
| Hardy County | 2 | 2 | 0 | 0.0% |
| Wood County | 1 | 0 | 0 | 0.0% |
| Cabell County | 1 | 1 | 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: 315 applications in 2025, of which 248 were originated and 12 denied.
3.8% of all applications, or 4.3% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Atlantic Coast Mortgage originated in West Virginia in 2025 was 6.38%, against a statewide median of 6.62%.
About this data. Figures are Atlantic Coast Mortgage'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