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2024 data HMDA 2024 disclosure official source

Cabell County

2,808 mortgage applications, 23.2% denial rate. Verify FIPS 54011 with U.S. Census Bureau →

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West Virginia · FIPS 54011

Local mortgage market. Cabell County, West Virginia saw 2,808 HMDA-reported mortgage applications in 2024. Lenders originated 1,343 of those loans and denied 651, producing a denial rate of 23.2% and an approval (origination) rate of 47.8%. The average loan amount was $173,024 at an average note rate of 6.97%, with applicants self-reporting average annual income of $35K. 119 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.9x, meaning typical borrowers took on mortgages of about 4.9 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 54011 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,808
Applications
1,343
Originated
23.2%
Denial Rate
47.8%
Approval Rate
$173,024
Avg Loan Amount
6.97%
Avg Interest Rate
$35K
Avg Applicant Income
4.9x
Loan-to-Income Ratio

Nearby Lenders in Cabell 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 City National Bank of WV 158 11.8%
2 Movement Mortgage, LLC 107 8.0%
3 Huntington Federal 86 6.4%
4 Huntington National Bank 80 6.0%
5 PRIMELENDING 80 6.0%
Compare City National Bank of WV vs Movement Mortgage, LLC →

Frequently Asked Questions

How many mortgage applications were filed in Cabell County?
In the 2024 HMDA reporting year, 2,808 mortgage applications were filed in Cabell County, West Virginia. Of these, 1,343 were originated (approved and funded), while 651 were denied, resulting in a denial rate of 23.2%.
What is the mortgage denial rate in Cabell County?
The mortgage denial rate in Cabell County is 23.2%. The approval (origination) rate is 47.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Cabell County?
The average mortgage loan amount in Cabell County is $173,024. The average interest rate is 6.974%. The average applicant income is $35K.
What is the loan-to-income ratio in Cabell County?
The average loan-to-income ratio in Cabell County is 4.9x, meaning borrowers took on loans averaging 4.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Cabell County?
The top mortgage lenders in Cabell County by origination volume are City National Bank of WV, Movement Mortgage, LLC, Huntington Federal. In total, 119 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.