Mortgage Research Center in West Virginia vs the state
17.4%Denial rate-3.79 pts vs state
26.1%Decision denial rate-0.53 pts vs state
48.4%Origination rate-6.36 pts vs state
6.25%Median rate-0.37 pts vs state
-0.14Rate spread (pts)-0.54 pts vs state
$83kMedian applicant income
771Loans originated
277Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,093 | 563 | 15.7% | 6.99% | #9 |
| 2024 | 1,343 | 663 | 16.5% | 6.63% | #8 |
| 2025 | 1,592 | 771 | 17.4% | 6.25% | #7 |
What Mortgage Research Center lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Mortgage Research Center applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berkeley County | 165 | 78 | 36 | 21.8% |
| Kanawha County | 135 | 69 | 21 | 15.6% |
| Raleigh County | 88 | 42 | 15 | 17.0% |
| Wood County | 87 | 45 | 11 | 12.6% |
| Jefferson County | 79 | 35 | 18 | 22.8% |
| Mercer County | 70 | 34 | 15 | 21.4% |
| Monongalia County | 61 | 32 | 9 | 14.8% |
| Harrison County | 61 | 32 | 8 | 13.1% |
| Putnam County | 59 | 24 | 9 | 15.3% |
| Cabell County | 55 | 28 | 8 | 14.5% |
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% |
| 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% |
| Navy Federal Credit Union | D | 1,048 | 19.2% | 7.00% |
Frequently asked questions
West Virginia: 1,592 applications in 2025, of which 771 were originated and 277 denied.
17.4% of all applications, or 26.1% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Mortgage Research Center originated in West Virginia in 2025 was 6.25%, against a statewide median of 6.62%.
About this data. Figures are Mortgage Research Center'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