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2024 data HMDA 2024 disclosure official source

Wyoming County

304 mortgage applications, 26.6% denial rate. Verify FIPS 54109 with U.S. Census Bureau →

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West Virginia · FIPS 54109

Local mortgage market. Wyoming County, West Virginia saw 304 HMDA-reported mortgage applications in 2024. Lenders originated 115 of those loans and denied 81, producing a denial rate of 26.6% and an approval (origination) rate of 37.8%. The average loan amount was $102,368 at an average note rate of 7.66%, with applicants self-reporting average annual income of $33K. 38 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.1x, meaning typical borrowers took on mortgages of about 3.1 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 54109 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

304
Applications
115
Originated
26.6%
Denial Rate
37.8%
Approval Rate
$102,368
Avg Loan Amount
7.66%
Avg Interest Rate
$33K
Avg Applicant Income
3.1x
Loan-to-Income Ratio

Nearby Lenders in Wyoming 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 Vanderbilt Mortgage and Finance, INC 15 13.0%
2 Pioneer Community Bank 14 12.2%
3 Movement Mortgage, LLC 12 10.4%
4 Rocket Mortgage 11 9.6%
5 Burke & Herbert Bk & Tr CO 6 5.2%
Compare Vanderbilt Mortgage and Finance, INC vs Pioneer Community Bank →

Frequently Asked Questions

How many mortgage applications were filed in Wyoming County?
In the 2024 HMDA reporting year, 304 mortgage applications were filed in Wyoming County, West Virginia. Of these, 115 were originated (approved and funded), while 81 were denied, resulting in a denial rate of 26.6%.
What is the mortgage denial rate in Wyoming County?
The mortgage denial rate in Wyoming County is 26.6%. The approval (origination) rate is 37.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Wyoming County?
The average mortgage loan amount in Wyoming County is $102,368. The average interest rate is 7.663%. The average applicant income is $33K.
What is the loan-to-income ratio in Wyoming County?
The average loan-to-income ratio in Wyoming County is 3.1x, meaning borrowers took on loans averaging 3.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Wyoming County?
The top mortgage lenders in Wyoming County by origination volume are Vanderbilt Mortgage and Finance, INC, Pioneer Community Bank, Movement Mortgage, LLC. In total, 38 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.