Lenders › 21st Mortgage › West Virginia
21st Mortgage 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, 21st Mortgage reported 884 applications and 180 originations for 2024, $19m in all.
Its denial rate in the state was 69.2%, above the West Virginia rate of 28.3% across all lenders and compared with the lender's national rate of 70.3%.
The median rate spread on its West Virginia originations was 3.5 percentage points (state median 0.4).
Applications in the state were up 7% on 2023.
Compared with the state and the lender's national record
| Measure | In West Virginia | West Virginia, all lenders | 21st Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 69.2% | 28.3% | 70.3% | 24.3% |
| Median rate spread, pp | 3.5 | 0.4 | 4.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 98.9% | 15.8% | 99.0% | 15.6% |
| Average originated loan | $108k | $195k | $114k | $329k |
| Home purchase share | 98.3% | 61.4% | 98.4% | 57.0% |
| FHA-insured share | 0.0% | 17.5% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 9.4% | 0.0% | 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 98% (177)Refinancing 2% (3)
By type
Conventional 100% (180)
Denial reasons as coded
Share of 413 denials in West Virginia by first denial reason coded (outlined bar: all lenders in the state).
Counties in West Virginia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Berkeley County | 217 | 43 | $4.0m | 73.8% |
| Mercer County | 88 | 18 | $2.0m | 61.7% |
| Raleigh County | 58 | 16 | $1.9m | 50.0% |
| Nicholas County | 37 | 12 | $1.4m | 51.9% |
| Fayette County | 31 | 12 | $1.2m | — |
| Monongalia County | 47 | 7 | $725k | 75.9% |
| Jefferson County | 36 | 6 | $370k | 74.1% |
| Harrison County | 26 | 4 | $430k | — |
| Wood County | 27 | 2 | $130k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did 21st Mortgage originate in West Virginia in 2024?
180 loans totalling $19m, from 884 applications reported for properties in West Virginia.
What is 21st Mortgage's denial rate in West Virginia?
69.2% of decided applications in West Virginia were denied, against 28.3% for all lenders in the state and 70.3% 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 21st Mortgage lend in most?
By originations: Berkeley County (43), Mercer County (18), Raleigh County (16), Nicholas County (12), Fayette County (12).
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.