Village Capital & Investment in West Virginia vs the state
11.4%Denial rate-9.78 pts vs state
14.9%Decision denial rate-11.75 pts vs state
50.3%Origination rate-4.45 pts vs state
5.75%Median rate-0.87 pts vs state
—Rate spread (pts)
$91kMedian applicant income
75Loans originated
17Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 100 | 24 | 12.0% | 6.25% | #87 |
| 2024 | 118 | 64 | 9.3% | 6.00% | #79 |
| 2025 | 149 | 75 | 11.4% | 5.75% | #76 |
What Village Capital & Investment lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Village Capital & Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berkeley County | 51 | 28 | 4 | 7.8% |
| Jefferson County | 14 | 7 | 3 | 21.4% |
| Kanawha County | 10 | 5 | 2 | 20.0% |
| Cabell County | 7 | 5 | 2 | 28.6% |
| Marion County | 7 | 3 | 0 | 0.0% |
| Wood County | 6 | 1 | 2 | 33.3% |
| Raleigh County | 5 | 3 | 0 | 0.0% |
| Monongalia County | 4 | 2 | 1 | 25.0% |
| Harrison County | 4 | 2 | 0 | 0.0% |
| Lincoln County | 3 | 1 | 0 | 0.0% |
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: 149 applications in 2025, of which 75 were originated and 17 denied.
11.4% of all applications, or 14.9% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Village Capital & Investment originated in West Virginia in 2025 was 5.75%, against a statewide median of 6.62%.
About this data. Figures are Village Capital & Investment'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