Largest lenders in Wayne County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 196 | 20 | 44.9% | 10.25% |
| 2 | City National Bank of West Virginia | C | 67 | 43 | 23.9% | 6.29% |
| 3 | Movement Mortgage | A | 63 | 36 | 3.2% | 6.75% |
| 4 | Credit Human Federal Credit Union | D | 54 | 1 | 96.3% | 8.30% |
| 5 | Rocket Mortgage | C | 52 | 34 | 28.9% | 6.75% |
| 6 | Fifth Third Bank | D | 50 | 27 | 32.0% | 8.60% |
| 7 | The Huntington National Bank | D | 48 | 20 | 41.7% | 7.61% |
| 8 | Huntington Federal Savings Bank | C | 47 | 30 | 6.4% | — |
| 9 | Primelending, a Plainscapital | A | 44 | 38 | 4.6% | 6.49% |
| 10 | Loandepot.Com | D | 37 | 28 | 2.7% | 6.69% |
| 11 | WesBanco Bank | B | 29 | 20 | 17.2% | 3.99% |
| 12 | Mortgage Research Center | C | 29 | 14 | 13.8% | 6.50% |
| 13 | Triad Financial Services | D | 27 | 0 | 59.3% | — |
| 14 | Truist Bank | C | 24 | 14 | 29.2% | 6.73% |
| 15 | Peoples Bank | C | 23 | 11 | 39.1% | 7.50% |
| 16 | Newrez | D | 22 | 4 | 22.7% | 6.25% |
| 17 | United Bank | C | 21 | 9 | 42.9% | 7.25% |
| 18 | Community Trust Bank | B | 19 | 12 | 21.1% | 6.38% |
| 19 | Broker Solutions | D | 16 | 4 | 6.3% | 6.88% |
| 20 | JPMorgan Chase Bank | B | 14 | 9 | 14.3% | 6.13% |
| 21 | AmeriSave Mortgage | D | 14 | 4 | 71.4% | 6.69% |
| 22 | Southwest Stage Funding | F | 13 | 3 | 0.0% | 7.80% |
| 23 | Guaranteed Rate | B | 12 | 7 | 0.0% | 6.75% |
| 24 | Stockton Mortgage | D | 12 | 10 | 8.3% | 7.25% |
| 25 | Tammac Holdings | D | 11 | 0 | 81.8% | — |
Best approval odds in Wayne County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Movement Mortgage | 55 | 3.6% |
| 2 | City National Bank of West Virginia | 62 | 25.8% |
| 3 | Vanderbilt Mortgage and Finance | 110 | 80.0% |
| 4 | Credit Human Federal Credit Union | 54 | 96.3% |
What Wayne County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Wayne County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,073 | 439 | 33.6% | 6.75% | $105,000 |
| 2024 | 1,002 | 442 | 30.4% | 6.88% | $105,000 |
| 2025 | 1,105 | 485 | 29.2% | 6.75% | $105,000 |
Frequently asked questions
29.2% of applications in Wayne County were denied in 2025, against 21.2% statewide in West Virginia.
Vanderbilt Mortgage and Finance, with 196 applications in 2025 and a denial rate of 44.9%.
The median mortgage application in Wayne County in 2025 was for $105,000; the median property value on originated loans was $185,000.