OCMBC in West Virginia vs the state
7.7%Denial rate-13.50 pts vs state
11.1%Decision denial rate-15.55 pts vs state
57.7%Origination rate+2.90 pts vs state
7.13%Median rate+0.50 pts vs state
0.55Rate spread (pts)+0.15 pts vs state
$109kMedian applicant income
15Loans originated
2Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 7 | 4 | 14.3% | 7.25% | #288 |
| 2025 | 26 | 15 | 7.7% | 7.13% | #184 |
What OCMBC lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 7 | 3 | 1 | 14.3% |
| Monongalia County | 5 | 4 | 1 | 20.0% |
| Berkeley County | 5 | 4 | 0 | 0.0% |
| Wood County | 2 | 1 | 0 | 0.0% |
| Tucker County | 2 | 1 | 0 | 0.0% |
| Raleigh County | 1 | 0 | 0 | 0.0% |
| Harrison County | 1 | 1 | 0 | 0.0% |
| Pocahontas County | 1 | 0 | 0 | 0.0% |
| Mercer County | 1 | 0 | 0 | 0.0% |
| Morgan 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: 26 applications in 2025, of which 15 were originated and 2 denied.
7.7% of all applications, or 11.1% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans OCMBC originated in West Virginia in 2025 was 7.13%, against a statewide median of 6.62%.
About this data. Figures are OCMBC'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