Lenders › Sierra Pacific Mortgage Co. Inc › West Virginia
Sierra Pacific Mortgage Co. Inc in West Virginia
HMDA record for properties in West Virginia, calendar year 2024. National record · West Virginia overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Sierra Pacific Mortgage Co. Inc's 2024 HMDA record for West Virginia covers 147 applications, 104 of them originated, worth $29m.
Its denial rate in the state was 14.0%, below the West Virginia rate of 28.3% across all lenders and compared with the lender's national rate of 14.2%.
The median rate spread on its West Virginia originations was 0.5 percentage points (state median 0.4).
Applications in the state were down 39% on 2023.
Compared with the state and the lender's national record
| Measure | In West Virginia | West Virginia, all lenders | Sierra Pacific Mortgage Co. Inc, all states | United States |
|---|---|---|---|---|
| Denial rate | 14.0% | 28.3% | 14.2% | 24.3% |
| Median rate spread, pp | 0.5 | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.0% | 15.8% | 3.5% | 15.6% |
| Average originated loan | $280k | $195k | $358k | $329k |
| Home purchase share | 91.3% | 61.4% | 84.1% | 57.0% |
| FHA-insured share | 25.0% | 17.5% | 24.2% | 13.4% |
| VA-guaranteed share | 9.6% | 9.4% | 6.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateWest Virginia, all lenders
Loan purpose and loan type in West Virginia
By purpose
Home purchase 91% (95)Refinancing 6% (6)Cash-out refinancing 3% (3)
By type
Conventional 57% (59)FHA 25% (26)VA 10% (10)USDA 9% (9)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in West Virginia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Berkeley County | 102 | 69 | $19m | 14.8% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Sierra Pacific Mortgage Co. Inc originate in West Virginia in 2024?
104 loans totalling $29m, from 147 applications reported for properties in West Virginia.
What is Sierra Pacific Mortgage Co. Inc's denial rate in West Virginia?
14.0% of decided applications in West Virginia were denied, against 28.3% for all lenders in the state and 14.2% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which West Virginia counties does Sierra Pacific Mortgage Co. Inc lend in most?
By originations: Berkeley County (69).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in West Virginia. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.