Largest lenders in Boone County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 89 | 16 | 43.8% | 9.75% |
| 2 | Credit Human Federal Credit Union | D | 31 | 1 | 83.9% | 8.10% |
| 3 | Whitesville State Bank | D | 29 | 21 | 24.1% | — |
| 4 | Rocket Mortgage | C | 24 | 13 | 33.3% | 6.88% |
| 5 | Broker Solutions | D | 24 | 5 | 8.3% | 7.25% |
| 6 | Gateway First Bank | B | 24 | 17 | 0.0% | 6.63% |
| 7 | Triad Financial Services | D | 23 | 0 | 60.9% | — |
| 8 | City National Bank of West Virginia | C | 22 | 10 | 40.9% | 6.48% |
| 9 | Loandepot.Com | D | 20 | 14 | 15.0% | 7.13% |
| 10 | Logan Bank & Trust | C | 20 | 15 | 20.0% | — |
| 11 | Truist Bank | C | 19 | 7 | 47.4% | 6.60% |
| 12 | The Huntington National Bank | D | 14 | 5 | 57.1% | 8.39% |
| 13 | Mortgage Research Center | C | 13 | 8 | 15.4% | 6.12% |
| 14 | Peoples Bank | C | 11 | 7 | 27.3% | 7.50% |
| 15 | Southwest Stage Funding | F | 9 | 1 | 11.1% | 10.00% |
| 16 | Victorian Finance | C | 8 | 4 | 0.0% | 6.68% |
| 17 | United Shore Financial Services | B | 8 | 5 | 0.0% | 5.99% |
| 18 | Movement Mortgage | A | 8 | 5 | 0.0% | 6.88% |
| 19 | Primelending, a Plainscapital | A | 8 | 1 | 75.0% | 7.63% |
| 20 | AmeriSave Mortgage | D | 7 | 2 | 42.9% | 7.25% |
| 21 | Newrez | D | 7 | 1 | 28.6% | 6.25% |
| 22 | Navy Federal Credit Union | D | 7 | 2 | 42.9% | 5.88% |
| 23 | 21st Mortgage | F | 6 | 0 | 50.0% | — |
| 24 | Success Mortgage Partners | B | 6 | 5 | 0.0% | 6.63% |
| 25 | Tammac Holdings | D | 6 | 0 | 100.0% | — |
Best approval odds in Boone County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | 58 | 67.2% |
What Boone County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Boone County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 493 | 196 | 34.5% | 6.88% | $85,000 |
| 2024 | 491 | 196 | 35.0% | 6.99% | $95,000 |
| 2025 | 506 | 195 | 35.2% | 6.75% | $105,000 |
Frequently asked questions
35.2% of applications in Boone County were denied in 2025, against 21.2% statewide in West Virginia.
Vanderbilt Mortgage and Finance, with 89 applications in 2025 and a denial rate of 43.8%.
The median mortgage application in Boone County in 2025 was for $105,000; the median property value on originated loans was $175,000.