Guaranteed Rate in West Virginia vs the state
5.9%Denial rate-15.30 pts vs state
9.7%Decision denial rate-16.93 pts vs state
53.7%Origination rate-1.13 pts vs state
6.69%Median rate+0.06 pts vs state
0.58Rate spread (pts)+0.18 pts vs state
$79kMedian applicant income
264Loans originated
29Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 177 | 87 | 5.7% | 6.90% | #57 |
| 2024 | 346 | 206 | 6.7% | 6.88% | #33 |
| 2025 | 492 | 264 | 5.9% | 6.69% | #27 |
What Guaranteed Rate lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Guaranteed Rate applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kanawha County | 112 | 64 | 5 | 4.5% |
| Putnam County | 62 | 35 | 2 | 3.2% |
| Cabell County | 46 | 26 | 1 | 2.2% |
| Jefferson County | 38 | 26 | 1 | 2.6% |
| Harrison County | 30 | 14 | 4 | 13.3% |
| Berkeley County | 29 | 12 | 2 | 6.9% |
| Monongalia County | 25 | 13 | 3 | 12.0% |
| Marion County | 18 | 9 | 1 | 5.6% |
| Greenbrier County | 17 | 7 | 0 | 0.0% |
| Wayne County | 12 | 7 | 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: 492 applications in 2025, of which 264 were originated and 29 denied.
5.9% of all applications, or 9.7% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Guaranteed Rate originated in West Virginia in 2025 was 6.69%, against a statewide median of 6.62%.
About this data. Figures are Guaranteed Rate'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