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Rocket Mortgage in West Virginia

HMDA record for properties in West Virginia, calendar year 2024. National record · West Virginia overview

LEI 549300FGXN1K3HLB1R50
Reporting agency Department of Housing and Urban Development
State West Virginia

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, Rocket Mortgage reported 2,906 applications and 2,061 originations for 2024, $341m in all.

Its denial rate in the state was 22.0%, below the West Virginia rate of 28.3% across all lenders and compared with the lender's national rate of 18.2%.

The median rate spread on its West Virginia originations was 0.7 percentage points (state median 0.4).

Applications in the state were up 16% on 2023.

2,906applications in WV, 20240.6% of the lender's total
2,061loans originated$341m
22.0%denial rateWV all lenders 28.3%
0.7 ppmedian rate spreadWV 0.4 pp

Compared with the state and the lender's national record

MeasureIn West VirginiaWest Virginia, all lendersRocket Mortgage, all statesUnited States
Denial rate22.0%28.3%18.2%24.3%
Median rate spread, pp0.70.40.50.3
Originations with spread of 1.5 pp or more16.1%15.8%17.8%15.6%
Average originated loan$166k$195k$270k$329k
Home purchase share37.0%61.4%38.0%57.0%
FHA-insured share27.4%17.5%18.5%13.4%
VA-guaranteed share8.3%9.4%7.8%7.9%

Trend by year

ApplicationsOriginations

02,0014,0022022: 4,002 Applications2023: 2,503 Applications2024: 2,906 Applications2022: 2,649 Originations2023: 1,721 Originations2024: 2,061 Originations202220232024
Rocket Mortgage in West Virginia: applications and originations, 2022–2024

This lender in stateWest Virginia, all lenders

0%14.3%28.6%2022: 26.2% This lender in state2023: 24.4% This lender in state2024: 22% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in West Virginia

By purpose

Home purchase 37% (763)Home improvement 1% (19)Refinancing 9% (177)Cash-out refinancing 46% (942)Other purpose 8% (160)

By type

Conventional 64% (1,325)FHA 27% (565)VA 8% (171)

Denial reasons as coded

Collateral55.5%
Credit application incomplete19.2%
Debt-to-income ratio8.1%
Credit history5.1%
Insufficient cash (downpayment, closing costs)4.2%
Other3.2%
Unverifiable information2.4%
Employment history2.2%
Mortgage insurance denied0%

Share of 589 denials in West Virginia by first denial reason coded (outlined bar: all lenders in the state).

Counties in West Virginia

CountyApplicationsOriginationsAmountDenial rate
Berkeley County350277$59m13.4%
Kanawha County248177$25m22.8%
Jefferson County166130$36m14.3%
Raleigh County148109$16m19.6%
Wood County14590$13m27.9%
Harrison County10880$11m20.6%
Monongalia County10372$12m20.7%
Marion County9966$9.5m23.3%
Putnam County9165$14m19.0%
Cabell County10464$11m33.7%
Mercer County8654$7.4m26.0%
Fayette County7350$7.1m24.6%
Wayne County7050$5.8m21.9%
Morgan County5843$8.3m21.8%
Marshall County4739$4.4m14.9%
Greenbrier County5538$7.7m24.0%
Hampshire County5338$6.3m25.0%
Jackson County5737$5.1m30.2%
Preston County5037$5.5m21.3%
Nicholas County4835$5.5m25.5%
Ohio County4934$4.8m22.7%
Randolph County4131$4.4m16.2%
Upshur County4029$4.7m21.6%
Lewis County3827$4.3m22.9%
Mason County3826$3.4m20.0%
Mineral County3725$3.7m24.2%
Taylor County3224$4.2m14.3%
Hancock County4522$2.9m36.8%
Monroe County2821$3.1m22.2%
Brooke County3920$2.8m41.7%
Mingo County2920$2.4m31.0%
Hardy County2719$3.5m24.0%
Boone County2619$2.3m24.0%
Logan County3218$2.2m37.9%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Rocket Mortgage originate in West Virginia in 2024?

2,061 loans totalling $341m, from 2,906 applications reported for properties in West Virginia.

What is Rocket Mortgage's denial rate in West Virginia?

22.0% of decided applications in West Virginia were denied, against 28.3% for all lenders in the state and 18.2% 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 Rocket Mortgage lend in most?

By originations: Berkeley County (277), Kanawha County (177), Jefferson County (130), Raleigh County (109), Wood County (90).

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.