West Virginia Central in West Virginia vs the state
11.4%Denial rate-9.83 pts vs state
11.7%Decision denial rate-14.94 pts vs state
77.3%Origination rate+22.48 pts vs state
—Median rate
1.00Rate spread (pts)+0.60 pts vs state
$68kMedian applicant income
102Loans originated
15Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 85 | 64 | 10.6% | — | #94 |
| 2024 | 102 | 77 | 15.7% | — | #88 |
| 2025 | 132 | 102 | 11.4% | — | #81 |
What West Virginia Central lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most West Virginia Central applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wood County | 108 | 84 | 12 | 11.1% |
| Wirt County | 6 | 5 | 0 | 0.0% |
| Ritchie County | 5 | 4 | 0 | 0.0% |
| Pleasants County | 3 | 1 | 1 | 33.3% |
| Jackson County | 2 | 2 | 0 | 0.0% |
| Roane County | 2 | 1 | 1 | 50.0% |
| Wayne County | 1 | 0 | 1 | 100.0% |
| Summers County | 1 | 1 | 0 | 0.0% |
| Mercer County | 1 | 1 | 0 | 0.0% |
| Putnam County | 1 | 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: 132 applications in 2025, of which 102 were originated and 15 denied.
11.4% of all applications, or 11.7% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are West Virginia Central'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