Better Mortgage in West Virginia vs the state
31.2%Denial rate+10.03 pts vs state
55.1%Decision denial rate+28.48 pts vs state
24.9%Origination rate-29.92 pts vs state
8.13%Median rate+1.50 pts vs state
0.94Rate spread (pts)+0.54 pts vs state
$108kMedian applicant income
47Loans originated
59Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 53 | 19 | 7.6% | 6.25% | #123 |
| 2024 | 61 | 19 | 9.8% | 6.63% | #118 |
| 2025 | 189 | 47 | 31.2% | 8.13% | #61 |
What Better 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 Better Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berkeley County | 28 | 10 | 7 | 25.0% |
| Kanawha County | 21 | 9 | 5 | 23.8% |
| Jefferson County | 15 | 1 | 5 | 33.3% |
| Cabell County | 12 | 4 | 4 | 33.3% |
| Raleigh County | 10 | 2 | 6 | 60.0% |
| Marion County | 10 | 3 | 5 | 50.0% |
| Wood County | 10 | 2 | 1 | 10.0% |
| Monongalia County | 9 | 2 | 1 | 11.1% |
| Mercer County | 6 | 0 | 3 | 50.0% |
| Harrison County | 6 | 3 | 1 | 16.7% |
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: 189 applications in 2025, of which 47 were originated and 59 denied.
31.2% of all applications, or 55.1% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Better Mortgage originated in West Virginia in 2025 was 8.13%, against a statewide median of 6.62%.
About this data. Figures are Better 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