Find a better mortgage lender

Wood County, West Virginia · 2025

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

137 lenders acted on 2,215 mortgage applications for properties in Wood County in 2025. 20.1% were denied (West Virginia: 21.2%). Median rate on closed loans 6.75%; median loan $125,000; median property value $195,000.

2.2kApplications
20.1%Denial ratestate 21.2%
6.75%Median ratestate 6.62%
$125,000Median loan
$195,000Median property value

Largest lenders in Wood County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Peoples Bank C 200154 12.5%7.24%
2 Rocket Mortgage C 186125 23.1%6.75%
3 The Huntington National Bank D 14576 24.1%6.75%
4 Movement Mortgage A 141104 0.7%6.56%
5 Community Bank of Parkersburg F 12268 21.3%—
6 West Virginia Central C 10884 11.1%—
7 WesBanco Bank B 10259 24.5%6.00%
8 Mortgage Research Center C 8745 12.6%6.50%
9 Stockton Mortgage D 8469 6.0%6.50%
10 Vanderbilt Mortgage and Finance F 677 28.4%11.75%
11 Williamstown Bank – 6146 13.1%—
12 Truist Bank C 5625 42.9%6.89%
13 Broker Solutions D 4111 17.1%6.75%
14 AmeriSave Mortgage D 409 65.0%8.63%
15 Loandepot.Com D 3821 29.0%6.75%
16 21st Mortgage F 332 72.7%10.41%
17 United Bank C 3222 15.6%7.25%
18 Polaris Home Funding C 2820 14.3%6.56%
19 Navy Federal Credit Union D 2714 18.5%7.13%
20 Credit Human Federal Credit Union D 260 96.2%—
21 United Shore Financial Services B 2518 20.0%6.54%
22 Freedom Mortgage B 2412 12.5%6.25%
23 Member First Mortgage D 2410 20.8%6.50%
24 Pennymac Loan Services C 2312 4.4%5.81%
25 Calhoun County Bank C 1913 15.8%—

Best approval odds in Wood County

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

#LenderDecidedDecision denial rate
1Movement Mortgage1230.8%
2Stockton Mortgage746.8%
3West Virginia Central10511.4%
4Peoples Bank18913.2%
5Williamstown Bank5414.8%
6Mortgage Research Center5719.3%
7Rocket Mortgage16925.4%
8Community Bank of Parkersburg9726.8%
9WesBanco Bank8629.1%
10The Huntington National Bank11231.3%

What Wood County borrowers applied for

By loan purpose

Home purchase 1,118 50% · 14.9% denied
Refinance 249 11% · 17.7% denied
Cash-out refinance 434 20% · 23.0% denied
Home improvement 218 10% · 33.9% denied
Other / HELOC 196 9% · 31.1% denied

By loan type

Conventional 1,580 71% · 22.1% denied
FHA 403 18% · 17.6% denied
VA 212 10% · 10.9% denied
USDA / RHS 20 1% · 10.0% denied

Why applications were denied

Credit history 141 35%
Debt-to-income ratio 82 20%
Collateral 65 16%
Incomplete application 62 15%
Other 21 5%
Unverifiable information 17 4%
Insufficient cash 11 3%
Employment history 9 2%

Wood County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,1511,26420.6%6.63%$115,000
20242,1321,22922.6%6.63%$115,000
20252,2151,28720.1%6.75%$125,000

Frequently asked questions

20.1% of applications in Wood County were denied in 2025, against 21.2% statewide in West Virginia.

Peoples Bank, with 200 applications in 2025 and a denial rate of 12.5%.

The median mortgage application in Wood County in 2025 was for $125,000; the median property value on originated loans was $195,000.