Largest lenders in Mineral County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust | C | 62 | 38 | 35.5% | 5.99% |
| 2 | Alcova Mortgage | A | 61 | 52 | 3.3% | 6.63% |
| 3 | Rocket Mortgage | C | 58 | 40 | 20.7% | 6.62% |
| 4 | First Peoples Community Federal Credit Union | B | 52 | 45 | 1.9% | 6.13% |
| 5 | C & F Mortgage | A | 32 | 30 | 6.3% | 6.50% |
| 6 | CHESSIE Federal Credit Union | B | 29 | 24 | 3.5% | 6.38% |
| 7 | Truist Bank | C | 27 | 18 | 18.5% | 6.29% |
| 8 | Mortgage Research Center | C | 27 | 16 | 7.4% | 6.25% |
| 9 | The Grant County Bank | B | 21 | 18 | 0.0% | — |
| 10 | Pennymac Loan Services | C | 20 | 7 | 25.0% | 8.13% |
| 11 | AmeriSave Mortgage | D | 17 | 3 | 58.8% | 6.63% |
| 12 | WEPCO Federal Credit Union | – | 17 | 16 | 0.0% | — |
| 13 | Freedom Mortgage | B | 16 | 5 | 6.3% | 6.25% |
| 14 | Broker Solutions | D | 15 | 5 | 20.0% | 6.99% |
| 15 | Loandepot.Com | D | 14 | 10 | 21.4% | 6.28% |
| 16 | First United | C | 12 | 8 | 8.3% | — |
| 17 | Tidewater Mortgage Services | C | 12 | 11 | 0.0% | 6.38% |
| 18 | Crosscountry Mortgage | B | 10 | 3 | 20.0% | 6.58% |
| 19 | FNB Bank | – | 10 | 7 | 20.0% | — |
| 20 | Carrington Mortgage Services | D | 8 | 1 | 75.0% | 3.49% |
| 21 | Dollar Bank, Federal Savings Bank | C | 8 | 5 | 25.0% | 6.75% |
| 22 | Envoy Mortgage | D | 8 | 7 | 0.0% | 7.13% |
| 23 | Newrez | D | 8 | 2 | 50.0% | 5.43% |
| 24 | State Employees Credit Union of Maryland | D | 8 | 5 | 37.5% | 7.00% |
| 25 | Nationstar Mortgage | C | 7 | 6 | 14.3% | 6.75% |
Best approval odds in Mineral County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Alcova Mortgage | 57 | 3.5% |
| 2 | Rocket Mortgage | 52 | 23.1% |
| 3 | Manufacturers and Traders Trust | 60 | 36.7% |
What Mineral County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Mineral County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 574 | 398 | 15.5% | 6.60% | $125,000 |
| 2024 | 584 | 382 | 17.5% | 6.75% | $135,000 |
| 2025 | 693 | 451 | 16.3% | 6.50% | $155,000 |
Frequently asked questions
16.3% of applications in Mineral County were denied in 2025, against 21.2% statewide in West Virginia.
Manufacturers and Traders Trust, with 62 applications in 2025 and a denial rate of 35.5%.
The median mortgage application in Mineral County in 2025 was for $155,000; the median property value on originated loans was $245,000.