Largest lenders in Upshur County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 74 | 45 | 33.8% | 6.88% |
| 2 | Vanderbilt Mortgage and Finance | F | 71 | 5 | 38.0% | 8.99% |
| 3 | First Community Bank | F | 56 | 22 | 25.0% | 7.01% |
| 4 | Movement Mortgage | A | 39 | 23 | 12.8% | 6.94% |
| 5 | The Huntington National Bank | D | 33 | 20 | 21.2% | 7.30% |
| 6 | Mortgage Research Center | C | 28 | 13 | 25.0% | 6.63% |
| 7 | Tammac Holdings | D | 24 | 2 | 70.8% | 9.20% |
| 8 | Peoples Bank | C | 22 | 10 | 27.3% | 7.10% |
| 9 | 21st Mortgage | F | 21 | 0 | 66.7% | — |
| 10 | AmeriSave Mortgage | D | 17 | 6 | 64.7% | 7.81% |
| 11 | Loandepot.Com | D | 13 | 6 | 23.1% | 7.31% |
| 12 | Triad Financial Services | D | 12 | 0 | 83.3% | — |
| 13 | WesBanco Bank | B | 11 | 10 | 0.0% | 6.75% |
| 14 | JPMorgan Chase Bank | B | 11 | 3 | 27.3% | 6.38% |
| 15 | United Shore Financial Services | B | 10 | 5 | 10.0% | 6.49% |
| 16 | Pennymac Loan Services | C | 8 | 5 | 37.5% | 5.75% |
| 17 | Southwest Stage Funding | F | 8 | 1 | 12.5% | 8.25% |
| 18 | First Reliance Bank | A | 7 | 4 | 42.9% | 6.44% |
| 19 | Credit Human Federal Credit Union | D | 7 | 0 | 100.0% | — |
| 20 | Freedom Mortgage | B | 7 | 5 | 0.0% | 6.25% |
| 21 | Broker Solutions | D | 7 | 1 | 14.3% | 7.25% |
| 22 | Navy Federal Credit Union | D | 7 | 4 | 14.3% | 6.92% |
| 23 | First Exchange Bank | F | 6 | 3 | 50.0% | — |
| 24 | Newrez | D | 6 | 2 | 0.0% | 6.81% |
| 25 | Nationstar Mortgage | C | 5 | 1 | 40.0% | 6.88% |
Best approval odds in Upshur County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Rocket Mortgage | 70 | 35.7% |
What Upshur County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Upshur County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 483 | 198 | 28.8% | 6.88% | $125,000 |
| 2024 | 469 | 193 | 29.4% | 6.75% | $125,000 |
| 2025 | 616 | 245 | 31.2% | 6.75% | $115,000 |
Frequently asked questions
31.2% of applications in Upshur County were denied in 2025, against 21.2% statewide in West Virginia.
Rocket Mortgage, with 74 applications in 2025 and a denial rate of 33.8%.
The median mortgage application in Upshur County in 2025 was for $115,000; the median property value on originated loans was $225,000.