Vanderbilt Mortgage and Finance in West Virginia vs the state
38.5%Denial rate+17.33 pts vs state
71.9%Decision denial rate+45.23 pts vs state
12.7%Origination rate-42.13 pts vs state
9.99%Median rate+3.37 pts vs state
3.95Rate spread (pts)+3.55 pts vs state
$60kMedian applicant income
407Loans originated
1,238Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,527 | 414 | 44.5% | 10.12% | #1 |
| 2024 | 3,433 | 480 | 44.0% | 9.99% | #1 |
| 2025 | 3,214 | 407 | 38.5% | 9.99% | #2 |
What Vanderbilt Mortgage and Finance lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Vanderbilt Mortgage and Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kanawha County | 363 | 37 | 153 | 42.1% |
| Cabell County | 239 | 17 | 121 | 50.6% |
| Putnam County | 217 | 31 | 88 | 40.6% |
| Wayne County | 196 | 20 | 88 | 44.9% |
| Raleigh County | 145 | 22 | 54 | 37.2% |
| Mercer County | 134 | 21 | 49 | 36.6% |
| Mingo County | 131 | 16 | 47 | 35.9% |
| Logan County | 115 | 14 | 37 | 32.2% |
| Randolph County | 109 | 15 | 41 | 37.6% |
| Lincoln County | 98 | 11 | 40 | 40.8% |
Other large lenders in West Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 3,615 | 23.0% | 6.88% |
| 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% |
| Navy Federal Credit Union | D | 1,048 | 19.2% | 7.00% |
Frequently asked questions
West Virginia: 3,214 applications in 2025, of which 407 were originated and 1,238 denied.
38.5% of all applications, or 71.9% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Vanderbilt Mortgage and Finance originated in West Virginia in 2025 was 9.99%, against a statewide median of 6.62%.
About this data. Figures are Vanderbilt Mortgage and Finance'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