PlainLender
2024 data HMDA 2024 disclosure official source

Harrison County

1,841 mortgage applications, 20.7% denial rate. Verify FIPS 54033 with U.S. Census Bureau →

PlainLender home → About this data

West Virginia · FIPS 54033

Local mortgage market. Harrison County, West Virginia saw 1,841 HMDA-reported mortgage applications in 2024. Lenders originated 940 of those loans and denied 381, producing a denial rate of 20.7% and an approval (origination) rate of 51.1%. The average loan amount was $196,347 at an average note rate of 7.02%, with applicants self-reporting average annual income of $35K. 105 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.6x, meaning typical borrowers took on mortgages of about 5.6 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 54033 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,841
Applications
940
Originated
20.7%
Denial Rate
51.1%
Approval Rate
$196,347
Avg Loan Amount
7.02%
Avg Interest Rate
$35K
Avg Applicant Income
5.6x
Loan-to-Income Ratio

Nearby Lenders in Harrison 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 Wesbanco Bank, INC. 146 15.5%
2 Huntington National Bank 127 13.5%
3 Rocket Mortgage 80 8.5%
4 Truist Bank 61 6.5%
5 Loandepot.Com, LLC 45 4.8%
Compare Wesbanco Bank, INC. vs Huntington National Bank →

Frequently Asked Questions

How many mortgage applications were filed in Harrison County?
In the 2024 HMDA reporting year, 1,841 mortgage applications were filed in Harrison County, West Virginia. Of these, 940 were originated (approved and funded), while 381 were denied, resulting in a denial rate of 20.7%.
What is the mortgage denial rate in Harrison County?
The mortgage denial rate in Harrison County is 20.7%. The approval (origination) rate is 51.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Harrison County?
The average mortgage loan amount in Harrison County is $196,347. The average interest rate is 7.020%. The average applicant income is $35K.
What is the loan-to-income ratio in Harrison County?
The average loan-to-income ratio in Harrison County is 5.6x, meaning borrowers took on loans averaging 5.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Harrison County?
The top mortgage lenders in Harrison County by origination volume are Wesbanco Bank, INC., Huntington National Bank, Rocket Mortgage. In total, 105 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.