Lender in West Virginia · HMDA 2025
Rate mortgages in West Virginia
Rate's 2025 home-purchase and refinance lending in West Virginia, compared with all lenders in the state.
Rate originated 227 owner-occupied single-family loans in West Virginia from 254 completed applications, making it the state's #18 lender by volume.
Its median conventional purchase loan costs were $4,600 versus $4,280 for all West Virginia lenders, at a median 30-year fixed rate of 6.80% (West Virginia: 6.624%).
Loans in WV
227
of 254 applications
Denial rate
7.2%
Purchase · WV 9.4%
Rate spread
+0.52 pts
Conv. · WV +0.16 pts
Loan amount
$205,000
Purchase · WV $225,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 236 | 215 | 7.2% | 6.800% | +0.52 pts | $4,600 | $205,000 |
| Refinance | 9 | 6 | — | — | — | — | — |
| Cash-out refinance | 9 | 6 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
West Virginia counties where Rate ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Lincoln County | 6 | 4 | 5.6% |
| Putnam County | 7 | 31 | 4.2% |
| Greenbrier County | 8 | 7 | 2.4% |
| Cabell County | 9 | 25 | 2.9% |
| Kanawha County | 10 | 58 | 3.4% |
| Barbour County | 10 | 2 | 2.7% |
| Braxton County | 10 | 2 | 3.5% |
| Randolph County | 12 | 3 | 2.1% |
| Jackson County | 13 | 4 | 1.8% |
| Harrison County | 14 | 14 | 2.3% |
| Marion County | 14 | 9 | 1.6% |
| Ritchie County | 14 | 1 | 3.3% |
| Tyler County | 14 | 1 | 2.5% |
| Wayne County | 15 | 6 | 2.2% |
| Jefferson County | 18 | 23 | 1.3% |
| Summers County | 24 | 1 | 1.4% |
| Monongalia County | 25 | 8 | 0.8% |
| Lewis County | 25 | 1 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology