Cornerstone First Mortgage in West Virginia vs the state
1.3%Denial rate-19.91 pts vs state
1.8%Decision denial rate-24.87 pts vs state
70.5%Origination rate+15.72 pts vs state
6.88%Median rate+0.25 pts vs state
0.82Rate spread (pts)+0.42 pts vs state
$84kMedian applicant income
55Loans originated
1Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 15 | 11 | 0.0% | 7.00% | #217 |
| 2025 | 78 | 55 | 1.3% | 6.88% | #106 |
What Cornerstone First 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 Cornerstone First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kanawha County | 53 | 40 | 0 | 0.0% |
| Mason County | 5 | 2 | 1 | 20.0% |
| Putnam County | 5 | 2 | 0 | 0.0% |
| Pocahontas County | 3 | 1 | 0 | 0.0% |
| Greenbrier County | 2 | 2 | 0 | 0.0% |
| Hardy County | 2 | 1 | 0 | 0.0% |
| Berkeley County | 1 | 1 | 0 | 0.0% |
| Roane County | 1 | 0 | 0 | 0.0% |
| Cabell County | 1 | 1 | 0 | 0.0% |
| Ohio 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: 78 applications in 2025, of which 55 were originated and 1 denied.
1.3% of all applications, or 1.8% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Cornerstone First Mortgage originated in West Virginia in 2025 was 6.88%, against a statewide median of 6.62%.
About this data. Figures are Cornerstone First 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