Finance of America Reverse in West Virginia vs the state
21.4%Denial rate+0.24 pts vs state
27.3%Decision denial rate+0.61 pts vs state
57.1%Origination rate+2.35 pts vs state
6.38%Median rate-0.25 pts vs state
—Rate spread (pts)
$25kMedian applicant income
16Loans originated
6Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 36 | 18 | 13.9% | 7.75% | #148 |
| 2024 | 50 | 34 | 8.0% | 7.29% | #132 |
| 2025 | 28 | 16 | 21.4% | 6.38% | #181 |
What Finance of America Reverse lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Finance of America Reverse applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berkeley County | 5 | 4 | 1 | 20.0% |
| Morgan County | 3 | 3 | 0 | 0.0% |
| Wood County | 2 | 1 | 0 | 0.0% |
| Putnam County | 2 | 2 | 0 | 0.0% |
| Mercer County | 2 | 0 | 1 | 50.0% |
| Hancock County | 2 | 1 | 0 | 0.0% |
| Marshall County | 1 | 0 | 1 | 100.0% |
| Kanawha County | 1 | 0 | 1 | 100.0% |
| Brooke County | 1 | 0 | 0 | 0.0% |
| Raleigh 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: 28 applications in 2025, of which 16 were originated and 6 denied.
21.4% of all applications, or 27.3% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Finance of America Reverse originated in West Virginia in 2025 was 6.38%, against a statewide median of 6.62%.
About this data. Figures are Finance of America Reverse'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