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Monongalia County, West Virginia · 2025

Mortgage lenders in Monongalia County, WV: denial rates and top lenders (2025)

178 lenders acted on 2,845 mortgage applications for properties in Monongalia County in 2025. 16.1% were denied (West Virginia: 21.2%). Median rate on closed loans 6.50%; median loan $195,000; median property value $325,000.

2.8kApplications
16.1%Denial ratestate 21.2%
6.50%Median ratestate 6.62%
$195,000Median loan
$325,000Median property value

Largest lenders in Monongalia County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 The Huntington National Bank D 296174 21.3%7.00%
2 Clear Mountain Bank B 222184 3.6%6.25%
3 Rocket Mortgage C 14098 22.9%6.88%
4 WesBanco Bank B 13281 16.7%6.25%
5 PNC Bank D 12789 10.2%6.63%
6 United Bank C 11585 13.0%6.90%
7 Crosscountry Mortgage B 9957 7.1%6.75%
8 Truist Bank C 9458 28.7%6.60%
9 Vanderbilt Mortgage and Finance F 8711 29.9%10.75%
10 Intercoastal Mortgage A 8470 4.8%6.38%
11 United Shore Financial Services B 8163 6.2%6.39%
12 Fairmont C 7848 23.1%5.38%
13 First Federal Savings and Loan Association of Greene B 7356 1.4%6.00%
14 21st Mortgage F 7016 32.9%11.80%
15 Loandepot.Com D 6746 14.9%6.38%
16 Mortgage Research Center C 6132 14.8%6.50%
17 U.S. Bank D 5940 18.6%6.63%
18 City National Bank of West Virginia C 5743 12.3%6.29%
19 Dhi Mortgage Company B 5141 0.0%6.25%
20 Navy Federal Credit Union D 4215 16.7%6.38%
21 Triad Financial Services D 4110 43.9%8.65%
22 First Exchange Bank F 3923 23.1%—
23 NVR Mortgage Finance B 3629 11.1%6.63%
24 Broker Solutions D 367 5.6%6.63%
25 JPMorgan Chase Bank B 3018 10.0%6.43%

Best approval odds in Monongalia County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1First Federal Savings and Loan Association of Greene621.6%
2Clear Mountain Bank1994.0%
3Intercoastal Mortgage775.2%
4United Shore Financial Services707.1%
5Crosscountry Mortgage6610.6%
6PNC Bank10312.6%
7City National Bank of West Virginia5413.0%
8United Bank10314.6%
9Loandepot.Com5817.2%
10WesBanco Bank10720.6%

What Monongalia County borrowers applied for

By loan purpose

Home purchase 1,693 60% · 11.3% denied
Refinance 319 11% · 16.0% denied
Cash-out refinance 289 10% · 20.4% denied
Home improvement 248 9% · 26.2% denied
Other / HELOC 296 10% · 30.7% denied

By loan type

Conventional 2,383 84% · 16.7% denied
FHA 279 10% · 14.3% denied
VA 167 6% · 11.4% denied
USDA / RHS 16 1% · 0.0% denied

Why applications were denied

Credit history 142 32%
Debt-to-income ratio 123 28%
Collateral 70 16%
Incomplete application 49 11%
Unverifiable information 25 6%
Other 21 5%
Insufficient cash 14 3%
Employment history 2 0%

Monongalia County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,5861,53719.0%6.63%$175,000
20242,6411,55019.2%6.88%$185,000
20252,8451,73116.1%6.50%$195,000

Frequently asked questions

16.1% of applications in Monongalia County were denied in 2025, against 21.2% statewide in West Virginia.

The Huntington National Bank, with 296 applications in 2025 and a denial rate of 21.3%.

The median mortgage application in Monongalia County in 2025 was for $195,000; the median property value on originated loans was $325,000.