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2024 data HMDA 2024 disclosure official source

Barbour County

258 mortgage applications, 24.4% denial rate. Verify FIPS 54001 with U.S. Census Bureau →

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West Virginia · FIPS 54001

Local mortgage market. Barbour County, West Virginia saw 258 HMDA-reported mortgage applications in 2024. Lenders originated 113 of those loans and denied 63, producing a denial rate of 24.4% and an approval (origination) rate of 43.8%. The average loan amount was $153,488 at an average note rate of 7.35%, with applicants self-reporting average annual income of $35K. 39 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.4x, meaning typical borrowers took on mortgages of about 4.4 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 54001 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

258
Applications
113
Originated
24.4%
Denial Rate
43.8%
Approval Rate
$153,488
Avg Loan Amount
7.35%
Avg Interest Rate
$35K
Avg Applicant Income
4.4x
Loan-to-Income Ratio

Nearby Lenders in Barbour County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Rocket Mortgage 16 14.2%
2 Movement Mortgage, LLC 11 9.7%
3 Vanderbilt Mortgage and Finance, INC 9 8.0%
4 Huntington National Bank 8 7.1%
5 Mortgage Research Center 7 6.2%
Compare Rocket Mortgage vs Movement Mortgage, LLC →

Frequently Asked Questions

How many mortgage applications were filed in Barbour County?
In the 2024 HMDA reporting year, 258 mortgage applications were filed in Barbour County, West Virginia. Of these, 113 were originated (approved and funded), while 63 were denied, resulting in a denial rate of 24.4%.
What is the mortgage denial rate in Barbour County?
The mortgage denial rate in Barbour County is 24.4%. The approval (origination) rate is 43.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Barbour County?
The average mortgage loan amount in Barbour County is $153,488. The average interest rate is 7.347%. The average applicant income is $35K.
What is the loan-to-income ratio in Barbour County?
The average loan-to-income ratio in Barbour County is 4.4x, meaning borrowers took on loans averaging 4.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Barbour County?
The top mortgage lenders in Barbour County by origination volume are Rocket Mortgage, Movement Mortgage, LLC, Vanderbilt Mortgage and Finance, INC. In total, 39 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.