West Virginia Central: 2025 mortgage rates, costs & approvals
How West Virginia Central priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: WEST VIRGINIA CENTRAL · LEI 549300FFFM0IGJLBWH48
In 2025, West Virginia Central originated 104 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 2 states — 1809th by volume among the 2,017 lenders profiled here.
It denied 3.5% of completed home-purchase applications (all lenders: 8.5%).
How West Virginia Central priced home-purchase loans
| Purchase loans, 2025 | West Virginia Central | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | — | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +1.00 pts | +0.13 pts |
| Total loan costs · conventional | $3,000 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $690 | $1,860 |
| Borrowers paying discount points | 0.0% | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | 0.0% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where West Virginia Central lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| West Virginia | 91 | 112 | 4.2% | — | $3,000 |
| Ohio | 13 | 16 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open West Virginia Central's page for that state.
Counties where West Virginia Central is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Wirt County, WV | 2 | 5 | 17.9% |
| Wood County, WV | 3 | 78 | 9.4% |
| Ritchie County, WV | 5 | 2 | 6.7% |
| Calhoun County, WV | 10 | 1 | 5.0% |
| Pleasants County, WV | 13 | 1 | 1.9% |
| Washington County, OH | 14 | 8 | 1.5% |
| Summers County, WV | 18 | 1 | 1.4% |
Check West Virginia Central yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300FFFM0IGJLBWH48.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from West Virginia Central with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology