Zillow Home Loans in West Virginia vs the state
9.2%Denial rate-11.99 pts vs state
11.8%Decision denial rate-14.90 pts vs state
69.0%Origination rate+14.18 pts vs state
6.63%Median rate0.00 pts vs state
0.66Rate spread (pts)+0.26 pts vs state
$72kMedian applicant income
60Loans originated
8Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 46 | 31 | 10.9% | 7.13% | #135 |
| 2024 | 64 | 44 | 4.7% | 7.13% | #114 |
| 2025 | 87 | 60 | 9.2% | 6.63% | #100 |
What Zillow Home Loans lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Zillow Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berkeley County | 14 | 11 | 0 | 0.0% |
| Kanawha County | 9 | 7 | 1 | 11.1% |
| Raleigh County | 6 | 5 | 1 | 16.7% |
| Jefferson County | 5 | 3 | 0 | 0.0% |
| Mercer County | 5 | 3 | 0 | 0.0% |
| Wood County | 4 | 3 | 1 | 25.0% |
| Cabell County | 4 | 3 | 0 | 0.0% |
| Monongalia County | 4 | 2 | 1 | 25.0% |
| Hampshire County | 3 | 3 | 0 | 0.0% |
| Logan County | 3 | 1 | 2 | 66.7% |
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: 87 applications in 2025, of which 60 were originated and 8 denied.
9.2% of all applications, or 11.8% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Zillow Home Loans originated in West Virginia in 2025 was 6.63%, against a statewide median of 6.62%.
About this data. Figures are Zillow Home Loans'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