Kind Lending in West Virginia vs the state
31.9%Denial rate+10.72 pts vs state
34.1%Decision denial rate+7.43 pts vs state
61.7%Origination rate+6.91 pts vs state
6.13%Median rate-0.50 pts vs state
0.49Rate spread (pts)+0.09 pts vs state
$108kMedian applicant income
29Loans originated
15Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 4 | 45.5% | 5.99% | #227 |
| 2024 | 45 | 18 | 37.8% | 6.38% | #140 |
| 2025 | 47 | 29 | 31.9% | 6.13% | #139 |
What Kind Lending lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 15 | 13 | 0 | 0.0% |
| Berkeley County | 6 | 3 | 2 | 33.3% |
| Pocahontas County | 3 | 0 | 3 | 100.0% |
| Monongalia County | 3 | 2 | 1 | 33.3% |
| Cabell County | 2 | 1 | 1 | 50.0% |
| Harrison County | 2 | 0 | 2 | 100.0% |
| Ohio County | 2 | 1 | 1 | 50.0% |
| Randolph County | 1 | 0 | 1 | 100.0% |
| Raleigh County | 1 | 0 | 1 | 100.0% |
| Brooke 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: 47 applications in 2025, of which 29 were originated and 15 denied.
31.9% of all applications, or 34.1% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Kind Lending originated in West Virginia in 2025 was 6.13%, against a statewide median of 6.62%.
About this data. Figures are Kind Lending'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