C & F Mortgage in West Virginia vs the state
4.8%Denial rate-16.35 pts vs state
5.5%Decision denial rate-21.21 pts vs state
83.9%Origination rate+29.08 pts vs state
6.50%Median rate-0.12 pts vs state
0.38Rate spread (pts)-0.02 pts vs state
$78kMedian applicant income
52Loans originated
3Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 73 | 60 | 6.9% | 6.50% | #102 |
| 2024 | 56 | 48 | 5.4% | 6.63% | #124 |
| 2025 | 62 | 52 | 4.8% | 6.50% | #122 |
What C & F 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 C & F Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mineral County | 32 | 30 | 2 | 6.3% |
| Morgan County | 10 | 6 | 0 | 0.0% |
| Hampshire County | 8 | 7 | 0 | 0.0% |
| Berkeley County | 8 | 5 | 1 | 12.5% |
| Mercer County | 1 | 1 | 0 | 0.0% |
| Marion County | 1 | 1 | 0 | 0.0% |
| Grant County | 1 | 1 | 0 | 0.0% |
| Pendleton 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: 62 applications in 2025, of which 52 were originated and 3 denied.
4.8% of all applications, or 5.5% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans C & F Mortgage originated in West Virginia in 2025 was 6.50%, against a statewide median of 6.62%.
About this data. Figures are C & F 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