Fairmont in West Virginia vs the state
28.1%Denial rate+6.92 pts vs state
29.5%Decision denial rate+2.80 pts vs state
56.0%Origination rate+1.16 pts vs state
5.38%Median rate-1.25 pts vs state
-0.89Rate spread (pts)-1.29 pts vs state
$94kMedian applicant income
207Loans originated
104Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 325 | 158 | 37.5% | 5.75% | #32 |
| 2024 | 275 | 140 | 33.1% | 6.50% | #41 |
| 2025 | 370 | 207 | 28.1% | 5.38% | #33 |
What Fairmont lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Fairmont applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 184 | 109 | 47 | 25.5% |
| Monongalia County | 78 | 48 | 18 | 23.1% |
| Harrison County | 75 | 36 | 28 | 37.3% |
| Taylor County | 14 | 8 | 3 | 21.4% |
| Preston County | 14 | 6 | 3 | 21.4% |
| Upshur County | 1 | 0 | 1 | 100.0% |
| Barbour County | 1 | 0 | 1 | 100.0% |
| Doddridge County | 1 | 0 | 1 | 100.0% |
| Kanawha 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: 370 applications in 2025, of which 207 were originated and 104 denied.
28.1% of all applications, or 29.5% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Fairmont originated in West Virginia in 2025 was 5.38%, against a statewide median of 6.62%.
About this data. Figures are Fairmont'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