Harrison County
West Virginia · FIPS 54033
According to CFPB HMDA 2024 application volume among U.S. counties, Harrison County ranks #984 of 3,223, and #9 of 55 in West Virginia.
Mortgage lending activity in Harrison County, West Virginia based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Harrison County, West Virginia lenders denied 381 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Harrison County
In Harrison County, lead originator Wesbanco Bank, INC. funded 15.5% of 940 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 37.6% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Harrison County's 1,841 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Harrison County's $196,347 average loan (deduped against volume peers).
Lenders active in Harrison County
Wesbanco Bank, INC. funded 146 of the 940 loans originated in Harrison County, 15.5% of the county. 105 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Harrison County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Harrison County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.