Largest lenders in Hardy County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Capon Valley Bank | – | 48 | 46 | 2.1% | — |
| 2 | Rocket Mortgage | C | 36 | 25 | 22.2% | 6.75% |
| 3 | Vanderbilt Mortgage and Finance | F | 29 | 4 | 34.5% | 10.12% |
| 4 | Pendleton Community Bank | B | 26 | 18 | 30.8% | — |
| 5 | Navy Federal Credit Union | D | 21 | 11 | 9.5% | 7.25% |
| 6 | Integrity Home Mortgage | B | 19 | 17 | 0.0% | 6.63% |
| 7 | Crosscountry Mortgage | B | 18 | 16 | 5.6% | 6.43% |
| 8 | The Grant County Bank | B | 16 | 8 | 37.5% | — |
| 9 | Burke & Herbert Bank & Trust | C | 15 | 11 | 13.3% | 7.50% |
| 10 | United Shore Financial Services | B | 13 | 8 | 23.1% | 6.06% |
| 11 | Mortgage Research Center | C | 12 | 2 | 25.0% | 6.44% |
| 12 | Alcova Mortgage | A | 10 | 7 | 20.0% | 6.99% |
| 13 | Pennymac Loan Services | C | 9 | 5 | 11.1% | 9.88% |
| 14 | AmeriSave Mortgage | D | 9 | 2 | 66.7% | 7.63% |
| 15 | FNB Bank | – | 7 | 5 | 0.0% | — |
| 16 | Tammac Holdings | D | 5 | 0 | 100.0% | — |
| 17 | Sofi Bank | D | 5 | 3 | 0.0% | 7.50% |
| 18 | Farm Credit of the Virginias, ACA | D | 5 | 4 | 20.0% | 7.95% |
What Hardy County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Hardy County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 366 | 238 | 17.5% | 7.13% | $145,000 |
| 2024 | 381 | 254 | 17.3% | 7.00% | $175,000 |
| 2025 | 436 | 258 | 20.0% | 6.75% | $175,000 |
Frequently asked questions
20.0% of applications in Hardy County were denied in 2025, against 21.2% statewide in West Virginia.
Capon Valley Bank, with 48 applications in 2025 and a denial rate of 2.1%.
The median mortgage application in Hardy County in 2025 was for $175,000; the median property value on originated loans was $265,000.