Royal United Mortgage in West Virginia vs the state
23.7%Denial rate+2.47 pts vs state
29.8%Decision denial rate+3.15 pts vs state
51.2%Origination rate-3.64 pts vs state
7.00%Median rate+0.38 pts vs state
1.19Rate spread (pts)+0.79 pts vs state
$40kMedian applicant income
67Loans originated
31Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 124 | 73 | 29.0% | 7.25% | #75 |
| 2024 | 139 | 82 | 28.1% | 7.25% | #68 |
| 2025 | 131 | 67 | 23.7% | 7.00% | #83 |
What Royal United 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 Royal United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kanawha County | 14 | 8 | 4 | 28.6% |
| Raleigh County | 10 | 5 | 1 | 10.0% |
| Harrison County | 9 | 5 | 1 | 11.1% |
| Cabell County | 6 | 2 | 3 | 50.0% |
| Marion County | 5 | 2 | 1 | 20.0% |
| Mineral County | 5 | 2 | 2 | 40.0% |
| Putnam County | 5 | 4 | 1 | 20.0% |
| Marshall County | 5 | 3 | 2 | 40.0% |
| Berkeley County | 5 | 2 | 3 | 60.0% |
| Wood County | 4 | 2 | 1 | 25.0% |
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: 131 applications in 2025, of which 67 were originated and 31 denied.
23.7% of all applications, or 29.8% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Royal United Mortgage originated in West Virginia in 2025 was 7.00%, against a statewide median of 6.62%.
About this data. Figures are Royal United 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