Member First Mortgage in West Virginia vs the state
25.0%Denial rate+3.81 pts vs state
34.6%Decision denial rate+7.96 pts vs state
38.9%Origination rate-15.90 pts vs state
6.50%Median rate-0.12 pts vs state
0.53Rate spread (pts)+0.13 pts vs state
$66kMedian applicant income
14Loans originated
9Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 7 | 0.0% | 6.75% | #236 |
| 2024 | 18 | 9 | 27.8% | 7.00% | #206 |
| 2025 | 36 | 14 | 25.0% | 6.50% | #165 |
What Member First 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 Member First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wood County | 24 | 10 | 5 | 20.8% |
| Pleasants County | 6 | 3 | 2 | 33.3% |
| Taylor County | 2 | 0 | 1 | 50.0% |
| Kanawha County | 2 | 0 | 0 | 0.0% |
| Harrison County | 1 | 0 | 1 | 100.0% |
| Jefferson County | 1 | 1 | 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: 36 applications in 2025, of which 14 were originated and 9 denied.
25.0% of all applications, or 34.6% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Member First Mortgage originated in West Virginia in 2025 was 6.50%, against a statewide median of 6.62%.
About this data. Figures are Member First 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