WV · Statewide HMDA 2024
West Virginia mortgage lending
According to the CFPB HMDA 2024 Snapshot, 470 reporting lenders · 55 counties · 10 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, West Virginia ranks #40 of 54 by application volume but #36 of 52 states with 10,000+ applications on origination share (50.0%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #36
- Origination-share rank of 52
- 50.0%
- Origination share
- 27,172
- Originated
- 20.7%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
54,379reported applications
CFPB HMDA state filing plate
State WV · West Virginia 20.7% denial
VOL-LIGHT · DEN-STEEP · NEAR-PEER · ORIG-FLOOR · BOOK-FULL · LEAD-MIX
- VOL-LIGHT #40/54
- DEN-STEEP 20.7%
- NEAR-PEER Louisiana
- ORIG-FLOOR 50.0%
- BOOK-FULL 470 lenders
- LEAD-MIX 8% top
Photo-finish peer: Louisiana · 21.0% denial (+0.2pp vs West Virginia)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · West Virginia
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for West Virginia: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (20.7% here).
Similar application volume
Nearest states by HMDA applications filed (54,379 here).
Top lenders by originations · West Virginia
Funded loans among HMDA-reporting institutions active in this state.
Where West Virginia sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
54,379 26th percentile higher than 26% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · West Virginia
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. West Virginia filed 54,379 HMDA-reported applications in 2024 (#40 of 54 by volume) with a 20.7% denial rate - 3.6pp above the national 17.2% baseline. White applicants (39,995 apps) show 22.3% denial; Black or African American applicants (1,492 apps) show 24.1% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
Nearby Lenders in West Virginia
Top HMDA-reporting lenders active in West Virginia. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rocket Mortgage | 2,061 | 7.6% |
| 2 | City National Bank of WV | 1,834 | 6.7% |
| 3 | Huntington National Bank | 1,203 | 4.4% |
| 4 | Wesbanco Bank, INC. | 1,007 | 3.7% |
| 5 | Truist Bank | 850 | 3.1% |
Reported outcomes by applicant race in West Virginia
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 39,995 | 55.1% | 22.3% |
| Black or African American | 1,492 | 50.7% | 24.1% |
| Asian | 905 | 62.1% | 12.3% |
| Joint | 718 | 56.0% | 19.8% |
| American Indian or Alaska Native | 208 | 37.5% | 38.5% |
| 2 or more minority races | 58 | 39.7% | 27.6%sample too small to read |
| Native Hawaiian or Other Pacific Islander | 36 | 41.7% | 33.3%sample too small to read |
Every county in West Virginia, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| Berkeley County | 8,112 | 4,196 | 15.7% | $237,357 |
| Kanawha County | 5,081 | 2,457 | 22.4% | $141,749 |
| Jefferson County | 3,947 | 2,166 | 12.7% | $294,972 |
| Monongalia County | 2,895 | 1,548 | 17.5% | $241,273 |
| Cabell County | 2,808 | 1,343 | 23.2% | $173,024 |
| Wood County | 2,296 | 1,229 | 20.9% | $145,854 |
| Raleigh County | 2,188 | 1,152 | 22.0% | $147,815 |
| Putnam County | 2,068 | 1,079 | 21.4% | $190,537 |
| Harrison County | 1,841 | 940 | 20.7% | $196,347 |
| Marion County | 1,649 | 842 | 21.0% | $156,146 |
| Mercer County | 1,419 | 623 | 23.3% | $136,078 |
| Wayne County | 1,055 | 444 | 28.9% | $115,171 |
| Ohio County | 989 | 553 | 18.7% | $166,466 |
| Greenbrier County | 975 | 471 | 23.1% | $168,333 |
| Fayette County | 953 | 475 | 24.0% | $137,487 |
| Morgan County | 876 | 469 | 14.7% | $213,630 |
| Hampshire County | 842 | 460 | 16.3% | $190,428 |
| Marshall County | 768 | 448 | 19.1% | $122,487 |
| Hancock County | 764 | 425 | 18.2% | $133,377 |
| Preston County | 763 | 396 | 18.4% | $170,662 |
| Jackson County | 763 | 366 | 26.2% | $144,790 |
| Mineral County | 698 | 383 | 14.6% | $163,381 |
| Mason County | 684 | 328 | 29.2% | $129,518 |
| Logan County | 619 | 254 | 34.4% | $116,906 |
| Nicholas County | 548 | 251 | 26.6% | $147,062 |
| Brooke County | 533 | 285 | 21.6% | $122,561 |
| Boone County | 520 | 197 | 33.1% | $117,750 |
| Upshur County | 503 | 193 | 27.4% | $141,918 |
| Randolph County | 494 | 210 | 25.1% | $150,789 |
| Hardy County | 408 | 254 | 16.2% | $210,809 |
| Lincoln County | 408 | 149 | 34.8% | $121,569 |
| Lewis County | 382 | 167 | 31.4% | $125,131 |
| Taylor County | 381 | 184 | 24.7% | $167,336 |
| Mingo County | 369 | 101 | 44.4% | $99,201 |
| Monroe County | 349 | 164 | 16.6% | $139,900 |
| Summers County | 314 | 142 | 24.8% | $125,287 |
| Roane County | 307 | 138 | 28.7% | $141,873 |
| Wyoming County | 304 | 115 | 26.6% | $102,368 |
| Wetzel County | 277 | 136 | 27.4% | $112,581 |
| Barbour County | 258 | 113 | 24.4% | $153,488 |
| Grant County | 246 | 145 | 16.3% | $148,902 |
| Braxton County | 223 | 100 | 25.1% | $112,040 |
| Clay County | 212 | 115 | 20.8% | $117,783 |
| Pocahontas County | 173 | 92 | 23.1% | $152,746 |
| Tucker County | 168 | 87 | 20.8% | $217,917 |
| McDowell County | 161 | 41 | 41.0% | $94,317 |
| Pendleton County | 142 | 82 | 16.2% | $170,141 |
| Ritchie County | 139 | 51 | 27.3% | $140,468 |
| Tyler County | 129 | 63 | 27.1% | $137,016 |
| Doddridge County | 128 | 59 | 21.9% | $151,484 |
| Pleasants County | 126 | 57 | 23.8% | $144,841 |
| Wirt County | 116 | 55 | 22.4% | $128,879 |
| Gilmer County | 104 | 42 | 31.7% | $123,654 |
| Calhoun County | 96 | 36 | 34.4% | $125,313 |
| Webster County | 88 | 33 | 38.6% | $96,591 |
Metro Areas in West Virginia
Frequently Asked Questions
How many mortgage applications were filed in West Virginia?
Where does West Virginia sit among U.S. states for mortgage volume?
What is the mortgage denial rate in West Virginia?
What is the average mortgage loan amount in West Virginia?
How many mortgage lenders operate in West Virginia?
How do mortgage denial rates vary by demographics in West Virginia?
Which counties in West Virginia have the most mortgage activity?
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. 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. 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.