Southwest Stage Funding in West Virginia vs the state
5.9%Denial rate-15.31 pts vs state
15.4%Decision denial rate-11.28 pts vs state
15.4%Origination rate-39.35 pts vs state
8.50%Median rate+1.88 pts vs state
2.48Rate spread (pts)+2.08 pts vs state
$74kMedian applicant income
42Loans originated
16Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 30 | 20 | 30.0% | 8.80% | #164 |
| 2024 | 109 | 35 | 9.2% | 8.70% | #84 |
| 2025 | 272 | 42 | 5.9% | 8.50% | #47 |
What Southwest Stage 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 Southwest Stage Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kanawha County | 30 | 4 | 1 | 3.3% |
| Cabell County | 21 | 5 | 0 | 0.0% |
| Logan County | 16 | 0 | 0 | 0.0% |
| Mason County | 16 | 6 | 1 | 6.3% |
| Raleigh County | 14 | 1 | 2 | 14.3% |
| Putnam County | 14 | 2 | 1 | 7.1% |
| Wayne County | 13 | 3 | 0 | 0.0% |
| Lincoln County | 13 | 2 | 0 | 0.0% |
| Randolph County | 12 | 2 | 0 | 0.0% |
| Jackson County | 9 | 0 | 1 | 11.1% |
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: 272 applications in 2025, of which 42 were originated and 16 denied.
5.9% of all applications, or 15.4% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Southwest Stage Funding originated in West Virginia in 2025 was 8.50%, against a statewide median of 6.62%.
About this data. Figures are Southwest Stage 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