Polaris Home Funding in West Virginia vs the state
15.2%Denial rate-6.04 pts vs state
16.4%Decision denial rate-10.27 pts vs state
63.6%Origination rate+8.85 pts vs state
6.63%Median rate0.00 pts vs state
0.69Rate spread (pts)+0.29 pts vs state
$68kMedian applicant income
42Loans originated
10Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 120 | 65 | 9.2% | 6.75% | #76 |
| 2024 | 106 | 53 | 18.9% | 6.63% | #85 |
| 2025 | 66 | 42 | 15.2% | 6.63% | #112 |
What Polaris Home Funding lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Polaris Home Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wood County | 28 | 20 | 4 | 14.3% |
| Brooke County | 13 | 8 | 0 | 0.0% |
| Hancock County | 11 | 8 | 0 | 0.0% |
| Ohio County | 2 | 1 | 0 | 0.0% |
| Marion County | 2 | 0 | 2 | 100.0% |
| Berkeley County | 1 | 0 | 0 | 0.0% |
| Wetzel County | 1 | 1 | 0 | 0.0% |
| Roane County | 1 | 1 | 0 | 0.0% |
| Ritchie County | 1 | 0 | 1 | 100.0% |
| Putnam County | 1 | 0 | 1 | 100.0% |
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: 66 applications in 2025, of which 42 were originated and 10 denied.
15.2% of all applications, or 16.4% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Polaris Home Funding originated in West Virginia in 2025 was 6.63%, against a statewide median of 6.62%.
About this data. Figures are Polaris Home Funding'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