Lower in West Virginia vs the state
16.0%Denial rate-5.15 pts vs state
25.0%Decision denial rate-1.66 pts vs state
48.1%Origination rate-6.68 pts vs state
6.63%Median rate0.00 pts vs state
0.37Rate spread (pts)-0.03 pts vs state
$89kMedian applicant income
51Loans originated
17Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 12 | 13.3% | 7.25% | #203 |
| 2024 | 85 | 49 | 10.6% | 6.75% | #96 |
| 2025 | 106 | 51 | 16.0% | 6.63% | #94 |
What Lower lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Lower applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berkeley County | 28 | 16 | 5 | 17.9% |
| Jefferson County | 25 | 16 | 1 | 4.0% |
| Kanawha County | 7 | 1 | 1 | 14.3% |
| Hampshire County | 4 | 2 | 1 | 25.0% |
| Hardy County | 4 | 2 | 1 | 25.0% |
| Logan County | 3 | 0 | 2 | 66.7% |
| Putnam County | 3 | 3 | 0 | 0.0% |
| Morgan County | 3 | 2 | 0 | 0.0% |
| Marshall County | 3 | 1 | 1 | 33.3% |
| Marion County | 3 | 0 | 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: 106 applications in 2025, of which 51 were originated and 17 denied.
16.0% of all applications, or 25.0% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Lower originated in West Virginia in 2025 was 6.63%, against a statewide median of 6.62%.
About this data. Figures are Lower'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