Flagstar Bank in West Virginia vs the state
25.5%Denial rate+4.30 pts vs state
29.6%Decision denial rate+2.89 pts vs state
58.8%Origination rate+4.03 pts vs state
6.36%Median rate-0.26 pts vs state
-0.08Rate spread (pts)-0.48 pts vs state
$100kMedian applicant income
30Loans originated
13Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 153 | 79 | 30.1% | 6.75% | #65 |
| 2024 | 126 | 88 | 21.4% | 6.43% | #74 |
| 2025 | 51 | 30 | 25.5% | 6.36% | #135 |
What Flagstar Bank lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Flagstar Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wood County | 12 | 9 | 3 | 25.0% |
| Berkeley County | 10 | 4 | 1 | 10.0% |
| Monongalia County | 5 | 4 | 1 | 20.0% |
| Kanawha County | 4 | 2 | 2 | 50.0% |
| Hampshire County | 3 | 2 | 1 | 33.3% |
| Harrison County | 2 | 0 | 0 | 0.0% |
| Marion County | 2 | 1 | 1 | 50.0% |
| Preston County | 2 | 2 | 0 | 0.0% |
| Hancock County | 1 | 0 | 1 | 100.0% |
| Hardy 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: 51 applications in 2025, of which 30 were originated and 13 denied.
25.5% of all applications, or 29.6% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Flagstar Bank originated in West Virginia in 2025 was 6.36%, against a statewide median of 6.62%.
About this data. Figures are Flagstar Bank'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