PHH Mortgage in West Virginia vs the state
8.6%Denial rate-12.57 pts vs state
13.9%Decision denial rate-12.77 pts vs state
51.7%Origination rate-3.07 pts vs state
6.49%Median rate-0.13 pts vs state
0.27Rate spread (pts)-0.13 pts vs state
$81kMedian applicant income
30Loans originated
5Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 36 | 7 | 38.9% | 6.63% | #147 |
| 2024 | 49 | 21 | 14.3% | 6.88% | #135 |
| 2025 | 58 | 30 | 8.6% | 6.49% | #128 |
What PHH 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 PHH Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berkeley County | 19 | 10 | 1 | 5.3% |
| Kanawha County | 6 | 3 | 0 | 0.0% |
| Wood County | 5 | 4 | 0 | 0.0% |
| Mercer County | 3 | 0 | 1 | 33.3% |
| Morgan County | 3 | 1 | 2 | 66.7% |
| Greenbrier County | 3 | 2 | 1 | 33.3% |
| Lewis County | 2 | 1 | 0 | 0.0% |
| Hancock County | 2 | 2 | 0 | 0.0% |
| Cabell County | 2 | 1 | 0 | 0.0% |
| Raleigh County | 2 | 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: 58 applications in 2025, of which 30 were originated and 5 denied.
8.6% of all applications, or 13.9% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans PHH Mortgage originated in West Virginia in 2025 was 6.49%, against a statewide median of 6.62%.
About this data. Figures are PHH 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