Stockton Mortgage in West Virginia vs the state
8.7%Denial rate-12.47 pts vs state
11.0%Decision denial rate-15.68 pts vs state
70.4%Origination rate+15.61 pts vs state
6.75%Median rate+0.13 pts vs state
0.86Rate spread (pts)+0.46 pts vs state
$70kMedian applicant income
226Loans originated
28Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 30 | 15 | 3.3% | 7.38% | #167 |
| 2024 | 126 | 88 | 5.6% | 6.75% | #73 |
| 2025 | 321 | 226 | 8.7% | 6.75% | #40 |
What Stockton 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 Stockton Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wood County | 84 | 69 | 5 | 6.0% |
| Cabell County | 68 | 45 | 5 | 7.4% |
| Pleasants County | 26 | 22 | 1 | 3.8% |
| Kanawha County | 20 | 17 | 0 | 0.0% |
| Wayne County | 12 | 10 | 1 | 8.3% |
| Fayette County | 10 | 6 | 2 | 20.0% |
| Raleigh County | 10 | 7 | 0 | 0.0% |
| Putnam County | 9 | 5 | 0 | 0.0% |
| Berkeley County | 9 | 8 | 0 | 0.0% |
| Greenbrier County | 9 | 4 | 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: 321 applications in 2025, of which 226 were originated and 28 denied.
8.7% of all applications, or 11.0% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Stockton Mortgage originated in West Virginia in 2025 was 6.75%, against a statewide median of 6.62%.
About this data. Figures are Stockton 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