Consumer Real Estate Finance in West Virginia vs the state
33.3%Denial rate+12.14 pts vs state
33.9%Decision denial rate+7.24 pts vs state
65.0%Origination rate+10.21 pts vs state
6.99%Median rate+0.37 pts vs state
1.17Rate spread (pts)+0.77 pts vs state
$51kMedian applicant income
39Loans originated
20Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 56 | 18 | 19.6% | 6.94% | #117 |
| 2024 | 67 | 31 | 28.4% | 7.13% | #110 |
| 2025 | 60 | 39 | 33.3% | 6.99% | #125 |
What Consumer Real Estate Finance lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Consumer Real Estate Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kanawha County | 8 | 3 | 4 | 50.0% |
| Hancock County | 5 | 4 | 1 | 20.0% |
| Harrison County | 4 | 2 | 2 | 50.0% |
| Raleigh County | 4 | 3 | 1 | 25.0% |
| Berkeley County | 3 | 2 | 1 | 33.3% |
| Mercer County | 3 | 3 | 0 | 0.0% |
| Wayne County | 3 | 2 | 1 | 33.3% |
| Webster County | 3 | 0 | 3 | 100.0% |
| Logan County | 3 | 2 | 1 | 33.3% |
| Brooke County | 3 | 3 | 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: 60 applications in 2025, of which 39 were originated and 20 denied.
33.3% of all applications, or 33.9% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Consumer Real Estate Finance originated in West Virginia in 2025 was 6.99%, against a statewide median of 6.62%.
About this data. Figures are Consumer Real Estate Finance'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