West Virginia mortgage lenders: applications, originations, denial rate and counties, 2024

States › 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. Record year 2024.

West Virginia had 49,421 HMDA-reported mortgage applications and 27,148 originations ($5.3bn) in 2024, from 181 lenders with at least 25 applications in the state.

The statewide denial rate was 28.3% (national 24.3%) and the median rate spread 0.4 percentage points (national 0.3). Originations ran at 37.3 per 1,000 households, against 48.0 nationally.

Originations in the state went from 30,608 in 2018 to 27,148 in 2024; the denial rate moved from 26.7% to 28.3%.

The most active lenders by originations were Rocket Mortgage (2,061), City National Bank of WV (1,809) and Huntington National Bank (1,203).

49,421applications, 2024

27,148loans originated$5.3bn

28.3%denial rateUS 24.3%

37.3originations per 1,000 householdsUS 48.0

Most active lenders in West Virginia

#	Lender	Applications	Originations	Amount	Denial rate	Median spread
1	Rocket Mortgage	2,906	2,061	$341m	22.0%	0.7
2	City National Bank of WV	2,980	1,809	$228m	28.2%	0.3
3	Huntington National Bank	2,347	1,203	$187m	36.6%	0.7
4	Wesbanco Bank, Inc.	1,457	1,007	$181m	18.1%	-0.2
5	Truist Bank	1,669	848	$120m	38.4%	0.6
6	Loandepot.com, LLC	1,401	842	$151m	26.5%	0.3
7	Movement Mortgage, LLC	1,113	779	$134m	4.6%	0.6
8	Mortgage Research Center	1,343	663	$165m	24.9%	0.1
9	United Wholesale Mortgage	754	572	$139m	10.1%	0.3
10	Primelending	763	569	$86m	6.9%	0.1
11	Navy Federal Credit Union	1,008	527	$105m	23.7%	0.5
12	Vanderbilt Mortgage and Finance, Inc	3,433	480	$56m	73.1%	3.8
13	Integrity Home Mortgage Corporation	602	464	$131m	5.1%	0.5
14	Peoples Bank	669	414	$67m	26.4%	0.4
15	Homespire Mortgage Corporation	478	405	$88m	2.3%	0.2
16	United Bank	613	376	$84m	29.6%	0.3
17	Gateway First Bank	412	295	$54m	2.9%	0.5
18	Nvr Mortgage Finance, Inc.	363	280	$85m	16.4%	0.1
19	Clear Mountain Bank	362	273	$71m	8.6%	0.3
20	Crosscountry Mortgage, LLC	522	269	$58m	5.3%	0.7
21	The Poca Valley Bank	381	269	$40m	14.5%	—
22	Lennar Mortgage, LLC	330	268	$84m	3.9%	0.2
23	Intercoastal Mortgage, LLC	313	240	$62m	3.2%	0.2
24	JPMorgan Chase Bank, NA	379	231	$43m	14.5%	0.4
25	Pennymac Loan Services LLC	517	229	$55m	23.5%	-0.3
26	Hancock County Savings Bank, FSB	301	219	$25m	12.5%	-0.2
27	Burke & Herbert Bk & Tr Co	321	217	$72m	13.4%	0.8
28	PNC Bank N.A.	399	216	$35m	27.9%	0.8
29	Atlantic Coast Mortgage, LLC	258	215	$67m	3.6%	-0.0
30	Bayer Hfcu	303	213	$21m	16.6%	-1.0
31	ALCOVA Mortgage, LLC	266	208	$39m	1.7%	0.7
32	Guaranteed Rate, Inc.	346	206	$42m	10.0%	0.7
33	Freedom Mortgage Corporation	443	198	$53m	20.5%	0.4
34	Fifth Third Bank, National Association	331	189	$24m	29.9%	1.2
35	Amerisave Mortgage Company	979	181	$20m	78.9%	1.3
36	21st Mortgage	884	180	$19m	69.2%	3.5
37	Victorian Finance, LLC	252	178	$36m	1.1%	0.2
38	New American Funding, LLC.	697	177	$29m	35.6%	1.4
39	First Heritage Mortgage, LLC	207	177	$56m	1.1%	0.1
40	Atlantic Union Bank	205	163	$29m	5.7%	0.6
41	Discover Bank	1,080	158	$11m	78.7%	2.9
42	Us Bank, N.A.	342	155	$27m	43.8%	0.7
43	Nationstar Mortgage	231	150	$22m	18.4%	1.4
44	Logan Bank and Trust	211	144	$19m	22.6%	—
45	Newrez LLC	379	143	$32m	36.0%	0.5
46	Fairmont Federal Credit Union	275	140	$18m	35.0%	-0.8
47	Huntington Federal	185	135	$21m	9.3%	-0.0
48	Union Home Mortgage Corp.	184	132	$29m	8.2%	0.7
49	DHI Mortgage Company, LTD.	148	123	$46m	5.3%	-0.9
50	Putnam County Bank	161	122	$31m	15.3%	—
51	First National Bank of Pa	169	120	$32m	21.6%	0.2
52	Cnb Bank Inc.	149	118	$30m	8.3%	—
53	Jefferson Security Bank	149	118	$34m	12.3%	—
54	Community Bank of Parkersburg	180	116	$22m	16.9%	—
55	Usaa Bank	239	113	$32m	33.9%	-0.1
56	Bank of Charles Town	151	113	$28m	10.2%	—
57	The Ohio Valley Bank Company	127	111	$32m	5.1%	-1.1
58	Pendleton Community Bank	141	110	$21m	13.8%	-0.4
59	Sierra Pacific Mortgage Co. Inc	147	104	$29m	14.0%	0.5
60	Clay County Bank	111	103	$9.8m	2.8%	—

Top 60 of 181 lenders with at least 25 applications in the state, by originations. 89 lenders have 100 or more applications here and link to a state-specific page.

Compared with the nation

Measure	West Virginia	United States
Denial rate	28.3%	24.3%
Median rate spread, pp	0.4	0.3
Originations with spread of 1.5 pp or more	15.8%	15.6%
Average originated loan	$195k	$329k
Originations per 1,000 households	37.3	48.0
Home purchase share of originations	61.4%	57.0%
FHA-insured share	17.5%	13.4%
VA-guaranteed share	9.4%	7.9%

Trend, 2018–2024

ApplicationsOriginations

Applications and originations in West Virginia by year

West VirginiaUnited States

Denial rate by year, US dashed

FHA share of originationsVA share

FHA-insured and VA-guaranteed shares of originations in West Virginia by year

Year	Applications	Originations	Amount	Denial rate	FHA	VA	Refinance share
2018	52,026	30,608	$4.4bn	26.7%	12.6%	7.7%	30.4%
2019	54,654	32,927	$5.2bn	24.3%	13.8%	9.5%	33.3%
2020	70,335	43,954	$8.0bn	20.2%	11.0%	11.2%	49.1%
2021	79,691	49,618	$9.3bn	19.2%	12.3%	10.6%	48.5%
2022	59,415	33,815	$6.4bn	25.5%	14.0%	8.0%	29.4%
2023	47,359	25,564	$4.5bn	28.6%	17.4%	7.6%	20.0%
2024	49,421	27,148	$5.3bn	28.3%	17.5%	9.4%	22.5%

Yearly figures from the HMDA Data Browser aggregations for the state (all reporters).

Loan purpose and loan type, 2024

By purpose

Home purchase 61% (16,671)Home improvement 8% (2,176)Refinancing 10% (2,784)Cash-out refinancing 12% (3,325)Other purpose 8% (2,189)

By type

Conventional 71% (19,208)FHA 18% (4,752)VA 9% (2,554)USDA 2% (634)

Counties

County	Applications	Originations	Per 1,000 households	Denial rate	Median spread	Lenders
Berkeley County	6,863	4,188	82.1	22.6%	0.4	57
Kanawha County	4,755	2,456	32.1	30.6%	0.4	37
Jefferson County	3,339	2,166	95.0	18.3%	0.2	32
Monongalia County	2,641	1,550	34.7	23.7%	0.3	25
Cabell County	2,631	1,343	34.2	31.3%	0.5	24
Wood County	2,132	1,229	34.3	27.1%	0.4	22
Raleigh County	2,086	1,150	39.6	28.2%	0.5	16
Putnam County	1,938	1,076	46.3	28.1%	0.5	21
Harrison County	1,694	942	35.7	27.6%	0.3	19
Marion County	1,505	842	36.1	28.1%	0.3	16
Mercer County	1,274	622	25.7	33.1%	0.8	14
Ohio County	930	553	30.1	24.4%	0.3	8
Fayette County	913	475	29.8	30.8%	0.7	10
Greenbrier County	890	470	31.8	31.1%	0.5	10
Morgan County	775	469	63.9	20.8%	0.5	8
Hampshire County	741	460	53.2	22.2%	0.4	6
Marshall County	726	448	35.9	23.8%	0.1	6
Wayne County	1,002	442	28.0	39.2%	0.7	11
Hancock County	707	425	33.1	24.0%	0.1	4
Preston County	704	396	30.9	25.1%	0.4	6
Mineral County	584	382	34.4	20.6%	0.5	6
Jackson County	707	366	31.8	34.7%	0.5	9
Mason County	657	328	32.1	36.6%	0.5	8
Brooke County	494	285	29.5	28.1%	0.3	5
Hardy County	381	254	42.7	19.9%	0.5	3
Logan County	599	254	19.9	44.7%	0.8	5
Nicholas County	520	251	26.5	35.4%	0.8	5
Randolph County	474	210	19.7	34.9%	0.7	4
Boone County	491	196	24.7	43.8%	1.0	5
Upshur County	469	193	20.2	40.4%	0.6	5
Taylor County	356	184	27.9	32.4%	0.4	3
Lewis County	370	167	24.0	40.5%	0.8	3
Monroe County	306	162	35.1	25.2%	0.8	1
Lincoln County	388	149	19.4	46.4%	0.7	3
Grant County	231	145	33.0	20.8%	0.6	2
Summers County	289	140	29.9	34.1%	0.6	1
Roane County	294	138	24.2	37.8%	0.8	2
Wetzel County	264	136	22.2	34.7%	-0.0	2
Clay County	204	115	38.7	27.0%	0.5	1
Wyoming County	289	115	14.3	38.2%	1.2	1
Barbour County	241	113	18.4	33.3%	0.7	1
Mingo County	357	101	10.8	59.0%	0.9	5
Braxton County	214	100	20.9	32.9%	0.5	3
Pocahontas County	161	93	29.2	29.6%	0.4	0
Tucker County	162	88	31.0	28.1%	0.5	1
Pendleton County	135	82	35.0	20.4%	0.6	0
Tyler County	121	63	19.1	35.0%	0.4	0
Doddridge County	123	59	23.1	31.8%	0.7	0
Pleasants County	115	57	20.6	33.7%	0.6	1
Wirt County	110	55	26.9	30.6%	0.5	0
Ritchie County	133	51	15.0	40.9%	1.1	1
Gilmer County	99	42	18.6	42.9%	1.1	0
McDowell County	153	41	6.3	58.4%	1.5	1
Calhoun County	91	36	14.3	46.5%	0.7	0
Webster County	85	33	11.4	49.3%	1.2	0

By originations. Lenders: those with at least 25 applications in the county.

VA-guaranteed loans by month

VA publishes lender volume nationally, not by state; see the Aug 2026 VA lender table and the monthly series. The VA-guaranteed share of West Virginia originations by year is charted above from HMDA.

Questions and answers

Which mortgage lenders are most active in West Virginia?

By 2024 originations: Rocket Mortgage (2,061), City National Bank of WV (1,809), Huntington National Bank (1,203), Wesbanco Bank, Inc. (1,007), Truist Bank (848). 181 lenders had at least 25 applications in the state.

What is the mortgage denial rate in West Virginia?

28.3% of decided applications were denied in 2024, against 24.3% nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

How has mortgage lending in West Virginia changed since 2018?

Originations went from 30,608 in 2018 to 27,148 in 2024; the denial rate moved from 26.7% to 28.3%.

Where does this data come from?

From the public HMDA loan/application register (FFIEC and CFPB) for 2024, the HMDA Data Browser aggregations for 2018–2024, and Census Bureau household estimates.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 and Data Browser aggregations 2018–2024 (FFIEC and CFPB, public domain); households from the Census Bureau ACS 2024 five-year estimates. Built 30 Sep 2026; data through 1 Aug 2026.