Freedom Mortgage in West Virginia vs the state
10.6%Denial rate-10.58 pts vs state
17.4%Decision denial rate-9.30 pts vs state
41.4%Origination rate-13.35 pts vs state
6.25%Median rate-0.37 pts vs state
0.28Rate spread (pts)-0.12 pts vs state
$88kMedian applicant income
293Loans originated
75Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 255 | 88 | 20.8% | 7.25% | #41 |
| 2024 | 443 | 198 | 12.9% | 6.25% | #24 |
| 2025 | 707 | 293 | 10.6% | 6.25% | #17 |
What Freedom 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 Freedom Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berkeley County | 202 | 93 | 21 | 10.4% |
| Jefferson County | 89 | 32 | 5 | 5.6% |
| Kanawha County | 64 | 25 | 7 | 10.9% |
| Raleigh County | 27 | 11 | 4 | 14.8% |
| Morgan County | 25 | 6 | 3 | 12.0% |
| Cabell County | 25 | 6 | 3 | 12.0% |
| Wood County | 24 | 12 | 3 | 12.5% |
| Monongalia County | 20 | 11 | 3 | 15.0% |
| Mercer County | 18 | 7 | 3 | 16.7% |
| Mineral County | 16 | 5 | 1 | 6.3% |
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: 707 applications in 2025, of which 293 were originated and 75 denied.
10.6% of all applications, or 17.4% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Freedom Mortgage originated in West Virginia in 2025 was 6.25%, against a statewide median of 6.62%.
About this data. Figures are Freedom 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