Lenders › Polaris Home Funding Corp. › West Virginia
Polaris Home Funding Corp. 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.
In West Virginia, Polaris Home Funding Corp. reported 106 applications and 53 originations for 2024, $9.4m in all.
Its denial rate in the state was 22.7%, below the West Virginia rate of 28.3% across all lenders and compared with the lender's national rate of 15.4%.
The median rate spread on its West Virginia originations was 0.7 percentage points (state median 0.4).
Applications in the state were down 12% on 2023.
Compared with the state and the lender's national record
| Measure | In West Virginia | West Virginia, all lenders | Polaris Home Funding Corp., all states | United States |
|---|---|---|---|---|
| Denial rate | 22.7% | 28.3% | 15.4% | 24.3% |
| Median rate spread, pp | 0.7 | 0.4 | 0.7 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.9% | 15.8% | 9.3% | 15.6% |
| Average originated loan | $178k | $195k | $210k | $329k |
| Home purchase share | 62.3% | 61.4% | 64.7% | 57.0% |
| FHA-insured share | 52.8% | 17.5% | 55.4% | 13.4% |
| VA-guaranteed share | 11.3% | 9.4% | 9.8% | 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 62% (33)Refinancing 4% (2)Cash-out refinancing 4% (2)Other purpose 30% (16)
By type
Conventional 19% (10)FHA 53% (28)VA 11% (6)USDA 17% (9)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in West Virginia
No county in the state reaches 25 applications.
Questions and answers
How many mortgages did Polaris Home Funding Corp. originate in West Virginia in 2024?
53 loans totalling $9.4m, from 106 applications reported for properties in West Virginia.
What is Polaris Home Funding Corp.'s denial rate in West Virginia?
22.7% of decided applications in West Virginia were denied, against 28.3% for all lenders in the state and 15.4% 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 Polaris Home Funding Corp. lend in most?
No county in the state reaches 25 applications.
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 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.