Constructive Loans in West Virginia vs the state
1.4%Denial rate-19.76 pts vs state
1.5%Decision denial rate-25.19 pts vs state
94.3%Origination rate+39.50 pts vs state
7.50%Median rate+0.88 pts vs state
—Rate spread (pts)
—Median applicant income
66Loans originated
1Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 26 | 26 | 0.0% | 7.38% | #178 |
| 2025 | 70 | 66 | 1.4% | 7.50% | #109 |
What Constructive Loans lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Constructive Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harrison County | 49 | 47 | 0 | 0.0% |
| Marion County | 16 | 15 | 0 | 0.0% |
| Raleigh County | 2 | 2 | 0 | 0.0% |
| Monongalia County | 2 | 1 | 1 | 50.0% |
| Lewis 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: 70 applications in 2025, of which 66 were originated and 1 denied.
1.4% of all applications, or 1.5% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Constructive Loans originated in West Virginia in 2025 was 7.50%, against a statewide median of 6.62%.
About this data. Figures are Constructive Loans'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