West Virginia Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 53,659 mortgage applications in West Virginia totaling $9.7 billion, up 5% from 2023. The average application was for $180,000, and applicants reported an average income of $102,000. 50% of applications resulted in an originated loan and 21% were denied. The most active lenders were Vanderbilt Mortgage and Finance, Inc (3,460 applications), City National Bank of Wv and Huntington National Bank.
See the top mortgage lenders in West Virginia, browse lending by metro area and by county, or see the mortgage lenders headquartered in West Virginia and West Virginia lenders by city.
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Download the West Virginia mortgage lender list: a formatted spreadsheet with aggregated HMDA statistics for all West Virginia based lenders.
Whether you're an industry analyst, homebuyer, or researcher, this data provides valuable insights into West Virginia's mortgage market trends.
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 53,659 |
| Total Mortgage Loan Application Amount | $9,681,625,000 |
| Average Mortgage Loan Application Amount | $180,000 |
| Highest Mortgage Loan Application Amount | $51,505,000 |
| Average Applicant Income | $102,000 |
| Highest Applicant Income | $9,600,000 |
Top 25 Mortgage Lenders in West Virginia (2024)
Ranked by the number of mortgage applications each lender received for properties in West Virginia in 2024, wherever the lender is based. For lenders headquartered in the state, see the full list of West Virginia mortgage companies. For the lenders that made the most loans here in 2025, with the top FHA, VA, purchase and refinance lenders, see top mortgage lenders in West Virginia.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance, Inc Maryville, TN |
3,460 | $377,090,000 | $108,985 | $68,817 |
| 2 | City National Bank of Wv Cross Lanes, WV |
3,013 | $347,875,000 | $115,458 | $107,938 |
| 3 | Huntington National Bank Columbus, OH |
2,362 | $327,230,000 | $138,539 | $111,823 |
| 4 | Truist Bank Raleigh, NC |
1,770 | $235,530,000 | $133,067 | $109,367 |
| 5 | PennyMac Loan Services LLC Westlake Village, CA |
1,711 | $398,685,000 | $233,012 | $100,385 |
| 6 | Wesbanco Bank, Inc. Wheeling, WV |
1,459 | $249,165,000 | $170,777 | $108,474 |
| 7 | loanDepot.com LLC Irvine, CA |
1,408 | $237,150,000 | $168,430 | $83,975 |
| 8 | Mortgage Research Center Columbia, MO |
1,343 | $318,765,000 | $237,352 | $93,492 |
| 9 | Movement Mortgage, LLC Indian Land, SC |
1,113 | $188,095,000 | $168,998 | $79,598 |
| 10 | Discover Bank Greenwood, DE |
1,080 | $74,590,000 | $69,064 | $105,567 |
| 11 | Navy Federal Credit Union Vienna, VA |
1,008 | $190,400,000 | $188,888 | $125,723 |
| 12 | Amerisave Mortgage Company Sandy Springs, GA |
979 | $119,685,000 | $122,252 | $84,853 |
| 13 | Newrez LLC Fort Washington, PA |
922 | $229,490,000 | $248,904 | $112,696 |
| 14 | Freedom Mortgage Corporation Boca Raton, FL |
914 | $276,800,000 | $302,844 | $104,413 |
| 15 | 21st Mortgage Knoxville, TN |
888 | $92,250,000 | $103,885 | $70,140 |
| 16 | Primelending Dallas, TX |
768 | $115,410,000 | $150,273 | $78,040 |
| 17 | United Wholesale Mortgage Plymouth, MI |
758 | $182,850,000 | $241,226 | $100,178 |
| 18 | New American Funding, Llc. Tustin, CA |
697 | $104,955,000 | $150,581 | $68,601 |
| 19 | United Bank VA Morgantown, WV |
679 | $138,505,000 | $203,983 | $124,554 |
| 20 | Peoples Bank Marietta, OH |
671 | $94,645,000 | $141,050 | $92,643 |
| 21 | Amerihome Mortgage Company, LLC Thousand Oaks, CA |
653 | $170,275,000 | $260,758 | $90,664 |
| 22 | Integrity Home Mortgage Corporation Winchester, VA |
598 | $163,670,000 | $273,695 | $105,053 |
| 23 | Credit Human Federal Credit Un San Antonio, TX |
571 | $64,725,000 | $113,353 | $70,707 |
| 24 | Crosscountry Mortgage, LLC Cleveland, OH |
522 | $102,130,000 | $195,651 | $97,708 |
| 25 | Planet Home Lending, LLC Meriden, CT |
479 | $96,845,000 | $202,181 | $107,094 |
The tables below break down 2024 mortgage applications in West Virginia by loan purpose, applicant race, loan type, outcome and denial reason, followed by totals for every metro area and county. Click a column heading to sort.
Mortgage Loan Application Detail Totals for West Virginia in 2024
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 31,959 | $6,734,005,000 | $210,000 | $20,205,000 | $103,000 | $8,500,000 |
| Cash-out Refinancing | 7,368 | $1,174,120,000 | $159,000 | $25,805,000 | $92,000 | $8,640,000 |
| Refinancing | 4,930 | $1,067,630,000 | $216,000 | $51,505,000 | $108,000 | $8,500,000 |
| Other Purpose | 4,811 | $372,145,000 | $77,000 | $805,000 | $103,000 | $9,600,000 |
| Home Improvement | 4,492 | $327,910,000 | $72,000 | $1,725,000 | $108,000 | $2,688,000 |
| Not Applicable | 99 | $5,815,000 | $58,000 | $215,000 | $52,000 | $217,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 38,786 | $6,188,840,000 | $159,000 | $3,055,000 | $100,000 | $8,640,000 |
| Not applicable | 5,383 | $1,580,115,000 | $293,000 | $51,505,000 | $96,000 | $570,000 |
| Not Provided | 5,097 | $957,065,000 | $187,000 | $26,255,000 | $109,000 | $9,600,000 |
| Hispanic | 1,589 | $366,235,000 | $230,000 | $1,075,000 | $106,000 | $1,612,000 |
| Black or African American | 1,581 | $305,555,000 | $193,000 | $1,225,000 | $93,000 | $1,456,000 |
| Asian | 926 | $237,400,000 | $256,000 | $1,405,000 | $169,000 | $3,192,000 |
| American Indian or Alaskan Native | 257 | $39,155,000 | $152,000 | $575,000 | $82,000 | $341,000 |
| Native Hawaiian or Other Pacific Islander | 38 | $7,020,000 | $184,000 | $485,000 | $90,000 | $166,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 36,953 | $5,883,295,000 | $159,000 | $51,505,000 | $108,000 | $9,600,000 |
| FHA-insured (Federal Housing Administration) | 10,187 | $2,067,035,000 | $202,000 | $10,005,000 | $80,000 | $8,500,000 |
| VA-guaranteed (Veterans Administration) | 5,261 | $1,501,315,000 | $285,000 | $1,285,000 | $103,000 | $1,808,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1,258 | $229,980,000 | $182,000 | $445,000 | $69,000 | $138,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 26,904 | $5,210,530,000 | $193,000 | $26,255,000 | $111,000 | $8,640,000 |
| Application Denied By Financial Institution | 11,170 | $1,417,240,000 | $126,000 | $51,505,000 | $83,000 | $9,600,000 |
| Application Withdrawn By Applicant | 6,184 | $1,208,880,000 | $195,000 | $15,005,000 | $106,000 | $3,192,000 |
| Loan Purchased By The Institution | 4,651 | $1,152,345,000 | $247,000 | $1,755,000 | $107,000 | $824,000 |
| File Closed For Incompleteness | 3,229 | $436,185,000 | $135,000 | $1,905,000 | $87,000 | $3,445,000 |
| Application Approved But Not Accepted | 1,440 | $240,420,000 | $166,000 | $1,305,000 | $97,000 | $1,724,000 |
| Preapproval Denied by Financial Institution | 55 | $9,045,000 | $164,000 | $485,000 | $90,000 | $1,306,000 |
| Preapproval Approved but not Accepted | 26 | $6,980,000 | $268,000 | $715,000 | $113,000 | $366,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 40,100 | $7,817,700,000 | $194,000 | $26,255,000 | $107,000 | $8,640,000 |
| Debt-To-Income Ratio | 4,791 | $794,705,000 | $165,000 | $10,005,000 | $89,000 | $9,600,000 |
| Credit History | 4,338 | $419,500,000 | $96,000 | $895,000 | $85,000 | $4,159,000 |
| Collateral | 1,479 | $194,615,000 | $131,000 | $2,465,000 | $97,000 | $4,000,000 |
| Credit Application Incomplete | 1,223 | $157,355,000 | $128,000 | $1,445,000 | $98,000 | $2,214,000 |
| Unverifiable Information | 808 | $100,690,000 | $124,000 | $575,000 | $76,000 | $1,456,000 |
| Other | 534 | $133,750,000 | $250,000 | $51,505,000 | $98,000 | $749,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 243 | $41,145,000 | $169,000 | $715,000 | $78,000 | $475,000 |
| Employment History | 139 | $21,505,000 | $154,000 | $595,000 | $63,000 | $425,000 |
| Mortgage Insurance Denied | 4 | $660,000 | $165,000 | $195,000 | $150,000 | $229,000 |
Mortgage Loan Application Totals in 2024 by West Virginia Metropolitan Area
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Beckley, WV | 3,141 | $ 454,445,000 | $ 144,000 | $ 93,000 |
| Charleston, WV | 5,813 | $ 806,425,000 | $ 138,000 | $ 94,000 |
| Huntington-Ashland, WV-KY-OH | 5,931 | $ 1,001,385,000 | $ 168,000 | $ 97,000 |
| Morgantown, WV | 3,658 | $ 828,700,000 | $ 226,000 | $ 136,000 |
| Parkersburg-Vienna, WV | 2,412 | $ 349,830,000 | $ 145,000 | $ 91,000 |
| Weirton-Steubenville, WV-OH | 1,297 | $ 167,225,000 | $ 128,000 | $ 88,000 |
| Wheeling, WV-OH | 1,757 | $ 258,705,000 | $ 147,000 | $ 98,000 |
Mortgage Loan Application Totals in 2024 by West Virginia County
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Barbour | 258 | $ 39,600,000 | $ 153,000 | $ 85,000 |
| Berkeley | 8,112 | $ 1,925,440,000 | $ 237,000 | $ 108,000 |
| Boone | 520 | $ 61,230,000 | $ 117,000 | $ 84,000 |
| Braxton | 223 | $ 24,985,000 | $ 112,000 | $ 77,000 |
| Brooke | 533 | $ 65,325,000 | $ 122,000 | $ 82,000 |
| Cabell | 2,808 | $ 485,850,000 | $ 173,000 | $ 93,000 |
| Calhoun | 96 | $ 12,030,000 | $ 125,000 | $ 74,000 |
| Clay | 212 | $ 24,970,000 | $ 117,000 | $ 96,000 |
| Doddridge | 128 | $ 19,390,000 | $ 151,000 | $ 82,000 |
| Fayette | 953 | $ 131,025,000 | $ 137,000 | $ 94,000 |
| Gilmer | 104 | $ 12,860,000 | $ 123,000 | $ 74,000 |
| Grant | 246 | $ 36,630,000 | $ 148,000 | $ 166,000 |
| Greenbrier | 975 | $ 164,125,000 | $ 168,000 | $ 107,000 |
| Hampshire | 842 | $ 160,340,000 | $ 190,000 | $ 98,000 |
| Hancock | 764 | $ 101,900,000 | $ 133,000 | $ 92,000 |
| Hardy | 408 | $ 86,010,000 | $ 210,000 | $ 134,000 |
| Harrison | 1,841 | $ 361,475,000 | $ 196,000 | $ 98,000 |
| Jackson | 763 | $ 110,475,000 | $ 144,000 | $ 91,000 |
| Jefferson | 3,947 | $ 1,164,255,000 | $ 294,000 | $ 140,000 |
| Kanawha | 5,081 | $ 720,225,000 | $ 141,000 | $ 95,000 |
| Lewis | 382 | $ 47,800,000 | $ 125,000 | $ 83,000 |
| Lincoln | 408 | $ 49,600,000 | $ 121,000 | $ 75,000 |
| Logan | 619 | $ 72,365,000 | $ 116,000 | $ 85,000 |
| Marion | 1,649 | $ 257,485,000 | $ 156,000 | $ 107,000 |
| Marshall | 768 | $ 94,070,000 | $ 122,000 | $ 96,000 |
| Mason | 684 | $ 88,590,000 | $ 129,000 | $ 79,000 |
| McDowell | 161 | $ 15,185,000 | $ 94,000 | $ 68,000 |
| Mercer | 1,419 | $ 193,095,000 | $ 136,000 | $ 80,000 |
| Mineral | 698 | $ 114,040,000 | $ 163,000 | $ 91,000 |
| Mingo | 369 | $ 36,605,000 | $ 99,000 | $ 75,000 |
| Monongalia | 2,895 | $ 698,485,000 | $ 241,000 | $ 147,000 |
| Monroe | 349 | $ 48,825,000 | $ 139,000 | $ 92,000 |
| Morgan | 876 | $ 187,140,000 | $ 213,000 | $ 102,000 |
| Nicholas | 548 | $ 80,590,000 | $ 147,000 | $ 99,000 |
| Ohio | 989 | $ 164,635,000 | $ 166,000 | $ 100,000 |
| Pendleton | 142 | $ 24,160,000 | $ 170,000 | $ 100,000 |
| Pleasants | 126 | $ 18,250,000 | $ 144,000 | $ 78,000 |
| Pocahontas | 173 | $ 26,425,000 | $ 152,000 | $ 111,000 |
| Preston | 763 | $ 130,215,000 | $ 170,000 | $ 98,000 |
| Putnam | 2,068 | $ 394,030,000 | $ 190,000 | $ 112,000 |
| Raleigh | 2,188 | $ 323,420,000 | $ 147,000 | $ 92,000 |
| Randolph | 494 | $ 74,490,000 | $ 150,000 | $ 88,000 |
| Ritchie | 139 | $ 19,525,000 | $ 140,000 | $ 83,000 |
| Roane | 307 | $ 43,555,000 | $ 141,000 | $ 82,000 |
| Summers | 314 | $ 39,340,000 | $ 125,000 | $ 83,000 |
| Taylor | 381 | $ 63,755,000 | $ 167,000 | $ 99,000 |
| Tucker | 168 | $ 36,610,000 | $ 217,000 | $ 158,000 |
| Tyler | 129 | $ 17,675,000 | $ 137,000 | $ 79,000 |
| Upshur | 503 | $ 71,385,000 | $ 141,000 | $ 77,000 |
| Wayne | 1,055 | $ 121,505,000 | $ 115,000 | $ 77,000 |
| Webster | 88 | $ 8,500,000 | $ 96,000 | $ 69,000 |
| Wetzel | 277 | $ 31,185,000 | $ 112,000 | $ 94,000 |
| Wirt | 116 | $ 14,950,000 | $ 128,000 | $ 84,000 |
| Wood | 2,296 | $ 334,880,000 | $ 145,000 | $ 91,000 |
| Wyoming | 304 | $ 31,120,000 | $ 102,000 | $ 82,000 |
Our comprehensive HMDA mortgage statistics offer invaluable insights into West Virginia's 2024 lending landscape. By analyzing detailed data on mortgage applications, loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can identify key trends shaping the state's housing market.
This in-depth information enables real estate experts, financial analysts, and policymakers to monitor market shifts, assess borrower demographics, and evaluate lender performance effectively.
Leverage this powerful data to make informed decisions, conduct thorough market research, and stay ahead in the evolving mortgage industry.
To gain a deeper understanding of West Virginia's mortgage lending environment, download the comprehensive list of lenders and their aggregated HMDA statistics today.
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