West Virginia Central at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
42nd11.7% deniedProcesswithdrawn + incomplete share, weight 15%
87th2.7%Closing coststotal loan costs ÷ loan amount, weight 10%
27th2.61% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 96 | 73 | 10.4% | 10.5% | — | $7.1M |
| 2024 | 124 | 93 | 16.9% | 17.1% | — | $10M |
| 2025 | 149 | 116 | 11.4% | 11.7% | — | $12M |
What West Virginia Central lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 15 manufactured homes, 3 investment properties.
Why West Virginia Central denies applications
Primary reason reported for each of the 17 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at West Virginia Central
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 40 | 28 | 20.0% |
| $50k – $100k | 73 | 58 | 8.5% |
| $100k – $150k | 22 | 18 | 9.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 20 | 15 | 11.8% |
| 35–44 | 25 | 19 | 12.0% |
| 45–54 | 37 | 28 | 16.2% |
| 55–64 | 25 | 24 | 0.0% |
| 65–74 | 29 | 20 | 14.3% |
Where West Virginia Central lends
2 states and 18 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| West Virginia | 132 | 102 | 11.4% | — | #81 |
| Ohio | 17 | 14 | 11.8% | — | #551 |
Frequently asked questions
West Virginia Central denied 11.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 42nd percentile of small mortgage lenders.
The most common reason West Virginia Central gave in 2025 was "credit history", cited on 52.9% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 23% of its applications were for home purchases, 77% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.