NFM in West Virginia vs the state
3.4%Denial rate-17.82 pts vs state
4.0%Decision denial rate-22.66 pts vs state
79.8%Origination rate+24.99 pts vs state
6.75%Median rate+0.13 pts vs state
0.59Rate spread (pts)+0.19 pts vs state
$105kMedian applicant income
71Loans originated
3Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 56 | 38 | 0.0% | 6.99% | #118 |
| 2024 | 45 | 38 | 2.2% | 6.88% | #142 |
| 2025 | 89 | 71 | 3.4% | 6.75% | #99 |
What NFM lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most NFM applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berkeley County | 30 | 24 | 0 | 0.0% |
| Jefferson County | 19 | 16 | 0 | 0.0% |
| Fayette County | 4 | 4 | 0 | 0.0% |
| Harrison County | 4 | 2 | 2 | 50.0% |
| Tucker County | 4 | 4 | 0 | 0.0% |
| Kanawha County | 4 | 2 | 0 | 0.0% |
| Hardy County | 3 | 3 | 0 | 0.0% |
| Randolph County | 3 | 2 | 0 | 0.0% |
| Marion County | 3 | 3 | 0 | 0.0% |
| Wood County | 2 | 2 | 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: 89 applications in 2025, of which 71 were originated and 3 denied.
3.4% of all applications, or 4.0% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans NFM originated in West Virginia in 2025 was 6.75%, against a statewide median of 6.62%.
About this data. Figures are NFM'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