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2024 data HMDA 2024 disclosure official source

Lewis County

382 mortgage applications, 31.4% denial rate. Verify FIPS 54041 with U.S. Census Bureau →

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West Virginia · FIPS 54041

Local mortgage market. Lewis County, West Virginia saw 382 HMDA-reported mortgage applications in 2024. Lenders originated 167 of those loans and denied 120, producing a denial rate of 31.4% and an approval (origination) rate of 43.7%. The average loan amount was $125,131 at an average note rate of 7.45%, with applicants self-reporting average annual income of $36K. 40 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.5x, meaning typical borrowers took on mortgages of about 3.5 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 54041 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

382
Applications
167
Originated
31.4%
Denial Rate
43.7%
Approval Rate
$125,131
Avg Loan Amount
7.45%
Avg Interest Rate
$36K
Avg Applicant Income
3.5x
Loan-to-Income Ratio

Nearby Lenders in Lewis 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 Huntington National Bank 52 31.1%
2 Rocket Mortgage 27 16.2%
3 Movement Mortgage, LLC 19 11.4%
4 Loandepot.Com, LLC 7 4.2%
5 Mortgage Research Center 5 3.0%
Compare Huntington National Bank vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Lewis County?
In the 2024 HMDA reporting year, 382 mortgage applications were filed in Lewis County, West Virginia. Of these, 167 were originated (approved and funded), while 120 were denied, resulting in a denial rate of 31.4%.
What is the mortgage denial rate in Lewis County?
The mortgage denial rate in Lewis County is 31.4%. The approval (origination) rate is 43.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Lewis County?
The average mortgage loan amount in Lewis County is $125,131. The average interest rate is 7.454%. The average applicant income is $36K.
What is the loan-to-income ratio in Lewis County?
The average loan-to-income ratio in Lewis County is 3.5x, meaning borrowers took on loans averaging 3.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Lewis County?
The top mortgage lenders in Lewis County by origination volume are Huntington National Bank, Rocket Mortgage, Movement Mortgage, LLC. In total, 40 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.