Emporium TPO in West Virginia vs the state
40.0%Denial rate+18.81 pts vs state
40.0%Decision denial rate+13.34 pts vs state
40.0%Origination rate-14.79 pts vs state
7.68%Median rate+1.06 pts vs state
—Rate spread (pts)
—Median applicant income
2Loans originated
2Denied
What Emporium TPO lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Emporium TPO applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kanawha County | 3 | 1 | 1 | 33.3% |
| Greenbrier County | 1 | 1 | 0 | 0.0% |
| Berkeley County | 1 | 0 | 1 | 100.0% |
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: 5 applications in 2025, of which 2 were originated and 2 denied.
40.0% of all applications, or 40.0% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Emporium TPO originated in West Virginia in 2025 was 7.68%, against a statewide median of 6.62%.
About this data. Figures are Emporium TPO'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