STATE MARKET PROFILE · HMDA PUBLIC DATA

West Virginia mortgage market

Name: West Virginia Mortgage Market 2025
Creator: MortRadar
License: https://mortradar.com/legal/attribution

Who lends in West Virginia, how much, and how it is changing — origination volume, denial rates, the top lenders by volume, and the purchase vs refinance mix, 2018–2025, from HMDA public data. Figures are as of activity year 2025 (latest available). Free — no account required.

Origination volume · 2025

$6.14B

+16.2% vs 2024

Originations · 2025

29,629

+9.1% vs 2024

Denial rate · 2025

21.2%

denied / actioned

HMDA reporters · 2025

577

HMDA reporters

Rank among states & territories

#46

of 54 states & territories by volume

Share of U.S. volume

0.3%

U.S. $2.41T

Median loan amount

$165K

U.S. $245K

Top lender

Rocket Mortgage

6.7% of the state

◈

MARKET SHARE

Rocket Mortgage led West Virginia in 2025 with $413.2M — 6.7% of the state's disclosed volume. West Virginia ranks #46 of 54 states & territories by origination volume, 0.3% of the national total. Statewide volume rose +16.2% from 2024.

Origination volume by year

West Virginia dollar volume of originated loans

$ VOLUME · HOVER FOR UNITS

Loan purpose mix

Share of 2025 ORIGINATED LOANS — a unit mix. No source publishes purpose-level dollars, so this is never a $ share.

Purchase58%

Refinance26%

Other purposes16%

Denial rate by year

West Virginia vs the U.S. · denials / actioned applications

% · STATE VS U.S.

Agency channel mix

Share of 2025 originations

Conventional71%

FHA17%

VA10%

USDA / RHS2%

Lenders in West Virginia · 2025

All 577 lenders that reported in West Virginia, ranked by origination volume · sort, filter and export any of them · each row opens the company profile

EVERY WEST VIRGINIA RECORD →

1Rocket Mortgage2,472$413.2M6.7%

+21.1%

2City National Bank of WV1,808$280.1M4.6%

+20.6%

3Mortgage Research Center771$195.4M3.2%

+18.1%

4Huntington National Bank1,148$187.8M3.1%

+0.2%

5CrossCountry Mortgage723$185.7M3.0%

+222.4%

6United Wholesale Mortgage675$180.9M2.9%

+30.4%

7loanDepot1,044$180.9M2.9%

+19.8%

8Wesbanco Bank956$175.8M2.9%

−3.1%

9Integrity Home Mortgage488$142.4M2.3%

+9.0%

10Movement Mortgage785$134.1M2.2%

+0.2%

11Truist Bank919$132.9M2.2%

+11.1%

12Clear Mountain Bank364$123.4M2.0%

+73.5%

13Lennar Mortgage402$106.7M1.7%

+27.7%

14United Bank VA332$106.6M1.7%

+26.3%

15Navy Federal Credit Union500$105.3M1.7%

+0.1%

16First Heritage Mortgage267$82.7M1.3%

+47.9%

17Atlantic Coast Mortgage248$82.3M1.3%

+23.2%

18Freedom Mortgage293$76.8M1.3%

+45.5%

19PennyMac Loan Services368$72.8M1.2%

+32.4%

20PrimeLending380$71.4M1.2%

−16.6%

21Berkadia Commercial Mortgage2$65.3M1.1%

+103.1%

22Guaranteed Rate264$60.5M1.0%

+42.8%

23Peoples Bank446$59.2M1.0%

−11.2%

24Gateway First Bank337$55.7M0.9%

+3.3%

25NewRez210$55.2M0.9%

+74.2%

26JPMorgan Chase Bank292$52.7M0.9%

+22.1%

27Vanderbilt Mortgage & Finance407$52.0M0.8%

−7.4%

28Intercoastal Mortgage210$51.7M0.8%

−16.0%

29The Poca Valley Bank275$50.7M0.8%

+27.0%

30ALCOVA Mortgage255$49.2M0.8%

+25.4%

31New American Funding267$48.5M0.8%

+67.0%

32DHI Mortgage139$48.2M0.8%

+3.9%

33NVR Mortgage Finance138$44.8M0.7%

−47.5%

34Putnam County Bank148$44.2M0.7%

+41.5%

35PNC Bank232$43.0M0.7%

+21.4%

36RMC Home Mortgage127$42.7M0.7%

+122.9%

37Stockton Mortgage226$41.3M0.7%

+188.6%

38CNB Bank125$39.6M0.6%

+31.0%

39First Community Bank235$38.3M0.6%

+177.1%

40Jefferson Security Bank123$38.0M0.6%

+11.8%

41U.S. Bank186$37.8M0.6%

+41.1%

42Bellwether Enterprise Real Estate Capital1$37.0M0.6%—

43Fairmont Federal Credit Union207$35.8M0.6%

+95.9%

44First Federal Savings and Loan164$33.9M0.6%

+126.7%

45American Pacific Mortgage123$33.6M0.5%

+1832.5%

46Nationstar Mortgage217$33.6M0.5%

+56.0%

47Ohio Valley Bank105$31.7M0.5%

−1.9%

48Burke & Herbert BK & TR183$31.5M0.5%

−56.3%

49Huntington168$30.8M0.5%

+45.6%

50Victorian Finance150$30.1M0.5%

−15.6%

51Walker & Dunlop3$29.9M0.5%

+42.6%

52Union Home Mortgage115$29.0M0.5%

+1.2%

53Hancock County Savings Bank245$28.2M0.5%

+13.4%

54The Grant County Bank132$27.6M0.4%

+81.8%

55Atlantic Union Bank149$26.1M0.4%

−9.8%

56Success Mortgage Partners155$25.7M0.4%

+82.3%

57USAA Federal Savings Bank91$25.1M0.4%

−22.7%

58K. Hovnanian American Mortgage68$23.8M0.4%

+15.5%

59Potomac Bank93$22.8M0.4%

−19.7%

60Fifth Third Bank164$22.6M0.4%

−7.7%

61NFM71$21.9M0.4%

+101.1%

62Village Capital & Investment75$21.7M0.4%

+30.2%

63Amerisave Mortgage221$21.6M0.4%

+7.1%

64First Exchange Bank98$21.6M0.4%

+13.9%

65Logan Bank and Trust159$20.6M0.3%

+7.8%

66Pendleton Community Bank123$20.5M0.3%

−2.5%

67Equity Prime Mortgage104$20.4M0.3%

+114.5%

68Bayer Hfcu224$20.4M0.3%

−3.9%

69The70$20.2M0.3%

+144.2%

70Wells Fargo Bank77$19.9M0.3%

+4.4%

71West Bank1$19.6M0.3%—

72Planet Home Lending74$19.5M0.3%

+83.2%

73Lakeview Loan Servicing96$19.2M0.3%

+109.7%

74The Bank of Romney115$19.1M0.3%

+166.7%

75Community Trust Bank123$18.6M0.3%

+49.5%

76NewPoint Real Estate Capital1$18.3M0.3%—

77Farmers and Merchants Trust Company of Chambersburg47$18.2M0.3%

+14.5%

78Guild Mortgage74$17.4M0.3%

+4.9%

79First United Bank & Trust60$17.4M0.3%

+14.4%

80Belmont Savings Bank83$17.4M0.3%

+53.6%

81Bank of America75$16.5M0.3%

+28.7%

82Prosperity Home Mortgage46$15.8M0.3%

+2.2%

83Waterstone Mortgage53$15.7M0.3%

+73.0%

8421st Mortgage157$15.7M0.3%

−19.6%

85Community Bank of Parkersburg78$15.6M0.3%

−28.6%

86Embrace Home Loans50$15.1M0.2%

−6.5%

87Calhoun County Banks120$14.9M0.2%

+74.8%

88Farmers National Bank6$14.3M0.2%

+18926.7%

89Pioneer Community Bank100$13.2M0.2%

−3.1%

90Carrington Mortgage Services86$13.2M0.2%

+5.9%

91Lower51$13.2M0.2%

−4.0%

92Main Street Bank80$12.8M0.2%

+31.3%

93CMG Mortgage42$12.7M0.2%

+24.2%

94C&F Mortgage52$12.2M0.2%

+13.6%

95Zillow Home Loans60$12.2M0.2%

+45.4%

96First National Bank of Pennsylvania82$12.1M0.2%

−62.3%

97M&T Bank92$11.6M0.2%

+52.3%

98Pioneer Appalachia Federal Credit Union71$11.5M0.2%

+20.2%

99Pentagon Federal Credit Union53$11.4M0.2%

+51.2%

100PGIM Real Estate Agency Financing1$11.2M0.2%—

101First Citizens Bank & Trust50$10.9M0.2%

+175.2%

102Capon Valley Bank68$10.8M0.2%

−19.8%

103WV Central Federal Credit Union102$10.8M0.2%

+44.0%

104Tidewater Mortgage Services42$10.7M0.2%

+23.4%

105CBRE Multifamily Capital2$10.4M0.2%—

106Cornerstone First Mortgage55$10.2M0.2%

+338.8%

107Sofi Bank73$10.1M0.2%

+34.8%

108FNB Bank52$10.0M0.2%

+40.4%

109Kind Lending29$9.8M0.2%

+100.5%

110Bank of Clarke21$9.5M0.2%

+188.5%

111Williamstown Bank58$9.3M0.2%

+28.2%

112First Peoples Cfcu53$9.2M0.1%

+32.6%

113Magnolia Bank30$8.8M0.1%

+126.5%

114Guaranteed Rate Affinity27$8.6M0.1%

−16.8%

115Everett Financial30$8.5M0.1%

+42.7%

116First Sentinel Bank11$8.3M0.1%

+632.6%

117Unified Bank39$8.0M0.1%

+45.0%

118Clay County Bank82$7.9M0.1%

−20.0%

119Mlend32$7.8M0.1%

−8.9%

120Better Mortgage47$7.6M0.1%

+57.0%

121Charles Schwab Bank9$7.3M0.1%

+81.8%

122Morgan Stanley Private Bank15$7.3M0.1%

+314.5%

123Whitesville State Bank74$7.3M0.1%

+43.7%

124Nations Lending33$7.2M0.1%

+8.9%

125Click n' Close41$7.2M0.1%

+46.2%

126Constructive Loans66$7.1M0.1%

+227.5%

127Fayette County National Bank66$7.1M0.1%

−18.9%

128Figure Lending108$7.1M0.1%—

129The Loan Store26$7.1M0.1%

+27.9%

130Apple Federal Credit Union37$7.1M0.1%

+12.6%

131MCNB Bank and Trust Co30$7.1M0.1%

+118.5%

132Polaris Home Funding42$7.0M0.1%

−26.0%

133Royal United Mortgage67$6.9M0.1%

−20.3%

134Flagstar Bank30$6.9M0.1%

−55.8%

135West Virginia Federal Credit Union59$6.9M0.1%

+110.9%

136Anchor Loans29$6.9M0.1%

−42.3%

137Mutual of Omaha Mortgage30$6.8M0.1%

+1671.4%

138PHH Mortgage30$6.8M0.1%

+108.0%

139Mortgage Solutions of Colorado30$6.7M0.1%

+11.0%

140Envoy Mortgage18$6.7M0.1%

−12.5%

141The Farmers Bank & Savings Com42$6.6M0.1%

+31.5%

142Presidential Bank13$6.6M0.1%

−19.2%

143Lument Real Estate Capital2$6.5M0.1%

−35.1%

144NBKC Bank21$6.5M0.1%

−38.9%

145Plains Commerce Bank17$6.4M0.1%

−1.9%

146T2 Financial23$6.4M0.1%

−35.7%

147TowneBank21$6.4M0.1%

+2.7%

148Southwest Stage Funding42$6.3M0.1%

+19.2%

149Fairway Independent Mortgage28$6.0M0.1%

+12.4%

150Farm Credit of the Virginias, ACA23$5.7M0.1%

+32.0%

151A&D Mortgage25$5.5M0.1%

+1916.4%

152Churchill Mortgage23$5.5M0.1%

+307.7%

153Sage Home Loans17$5.5M0.1%

+257.6%

154First Home Mortgage24$5.5M0.1%

−46.1%

155New Peoples Bank25$5.5M0.1%

+16.7%

156Legacy Bank33$5.5M0.1%

+23.5%

157State Employees Credit Union of MD30$5.5M0.1%

+17.4%

158Chessie Federal Credit Union47$5.5M0.1%

+8.8%

159Society Mortgage39$5.3M0.1%

+18.7%

160Community Bank34$5.3M0.1%

+43.4%

161Paramount Residential Mortgage20$5.2M0.1%

−27.0%

162Acnb Bank10$5.2M0.1%

+50.9%

163Carter Bank and Trust3$5.2M0.1%—

164Alliant Credit Union17$5.2M0.1%

+155.7%

165American Financial Resources20$5.2M0.1%

−12.0%

166First Guaranty Bank10$5.0M0.1%

+92.7%

167First Federal Bank13$4.9M0.1%

+3.9%

168United Nations Federal Credit Union22$4.9M0.1%

+9.2%

169Deephaven Mortgage22$4.8M0.1%

+66.1%

170Patriot FCU52$4.8M0.1%

+71.3%

171Barrington Bank & Trust Company21$4.7M0.1%

−41.1%

172AmeriHome Mortgage17$4.7M0.1%

+6.4%

173Fulton Bank19$4.7M0.1%

+156.3%

174Citizens Bank17$4.6M0.1%

−7.1%

175Kiavi Funding30$4.6M0.1%

+110.6%

176Shore United Bank13$4.5M0.1%

−11.0%

177Sun West Mortgage22$4.5M0.1%

+5.1%

178Northpointe Bank16$4.5M0.1%

+16.4%

179Vellum Mortgage16$4.4M0.1%

+30.1%

180The State Credit Union42$4.4M0.1%

−4.1%

181Five Star Bank2$4.3M0.1%—

182First Reliance Bank23$4.2M0.1%

+43.5%

183Desco Federal Credit Union14$4.1M0.1%

+78.4%

184Luminate Bank14$4.0M0.1%—

185Total Mortgage Services11$3.9M0.1%

+130.1%

186Direct Mortgage Loans15$3.9M0.1%

−34.5%

187American Financing23$3.9M0.1%

+22.4%

188Discover Bank50$3.9M0.1%

−63.5%

189Triad Financial Services41$3.9M0.1%

+54.9%

190Justice Federal Credit Union29$3.7M0.1%

−4.2%

191American Financial Network13$3.7M0.1%

−18.0%

192Primary Residential Mortgage12$3.6M0.1%

+785.4%

193Middletown Valley Bank6$3.6M0.1%

+348.4%

194HomeBridge Financial Services23$3.6M0.1%

−30.2%

195Champions Funding24$3.5M0.1%

+864.4%

196OCMBC15$3.5M0.1%

+270.7%

197Credit Human Federal Credit Un34$3.5M0.1%

+79.3%

198Nextmortgage11$3.3M0.1%

+184.7%

199CAMC Federal Credit Union45$3.3M0.1%

−15.0%

200Westbury Bank1$3.3M0.1%—

201Cardinal Financial Company, Li12$3.2M0.1%

+11.7%

202American Neighborhood Mortgage Acceptance10$3.0M0.0%

+40.6%

203Change Lending13$3.0M0.0%

+196.0%

204Loan Funder24$2.9M0.0%

−1.8%

205Credit Union Mortgage Associat13$2.9M0.0%

+25.8%

206BPL Mortgage25$2.9M0.0%

+45.4%

207Das Acquisition18$2.8M0.0%

−45.4%

208Schumacher Mortgage6$2.8M0.0%

−32.1%

209Finance of America Reverse16$2.7M0.0%

−29.4%

210Weichert Financial Services7$2.7M0.0%

+152.1%

211Pinnacle Bank1$2.7M0.0%

−12.7%

212Fidelity Direct Mortgage7$2.7M0.0%

+61.5%

213Ark-La-Tex Financial Services7$2.7M0.0%

−31.8%

214Bay Equity5$2.6M0.0%

+122.0%

215American Heritage Lending17$2.5M0.0%

−5.9%

216Horizon Farm Credit, ACA12$2.5M0.0%

+313.0%

217Berkeley Point Capital1$2.5M0.0%

−90.3%

218Bank CMG1$2.5M0.0%—

219United Trust Bank10$2.5M0.0%—

220Member First Mortgage14$2.4M0.0%

+19.7%

221SWBC Mortgage9$2.4M0.0%

+254.8%

222Plaza Home Mortgage10$2.4M0.0%

−67.3%

223Lendsure Mortgage6$2.3M0.0%

+164.7%

224Meridian Bank9$2.3M0.0%

+22.5%

225Velocity Commercial Capital20$2.2M0.0%

+420.9%

226Towne Mortgage11$2.2M0.0%

−19.0%

227WEPCO Federal Credit Union23$2.2M0.0%

−19.0%

228RCN Capital14$2.2M0.0%

−42.6%

229Acrisure Mortgage7$2.1M0.0%—

230Northwest Federal Credit Union19$2.1M0.0%

−43.9%

231Dart Bank5$2.0M0.0%

+309.1%

232The Money Store7$2.0M0.0%

+58.0%

233Citizens Bank of Kentucky10$1.9M0.0%

+385.0%

234OriginPoint6$1.9M0.0%—

235Renasant Bank5$1.9M0.0%

+425.4%

236Michigan Mutual6$1.9M0.0%

−78.1%

237Home Savings & Trust Mortgage5$1.8M0.0%

−35.3%

238Ameris Bank7$1.8M0.0%

−52.6%

239First Colony Mortgage Corporat8$1.8M0.0%

−36.7%

240First Choice America Community15$1.8M0.0%

−42.3%

241The First National Bank of Peterstown16$1.7M0.0%

−38.5%

242Valon Mortgage8$1.7M0.0%

+145.6%

243Tower Federal Credit Union18$1.6M0.0%

−20.3%

244Temple View Capital Funding10$1.6M0.0%

+36.1%

245Armed Forces Bank4$1.6M0.0%

−27.2%

246MortgageOne5$1.6M0.0%—

247Community First National Bank5$1.6M0.0%

+646.5%

248Ixonia Bank5$1.6M0.0%

−16.9%

249Premia Mortgage4$1.6M0.0%

−12.7%

250Sierra Pacific Mortgage6$1.6M0.0%

−94.7%

251The Mortgage Link6$1.6M0.0%

+8.0%

252Genisys Credit Union3$1.6M0.0%—

253Absolute Home Mortgage5$1.5M0.0%

+58.5%

254Coastal Community Bank37$1.5M0.0%—

255Hometown Equity Mortgage6$1.5M0.0%

+47.8%

256Ohio Valley Community Credit Union9$1.5M0.0%

+8.5%

257Raymond James Bank1$1.5M0.0%—

258Mission Loans9$1.5M0.0%

+225.0%

259Tammac Holdings21$1.5M0.0%

+94.1%

260First Community Mortgage6$1.5M0.0%

+113.1%

261Star USA Federal Credit Union8$1.4M0.0%

+15.7%

262Bayshore Mortgage Funding4$1.4M0.0%

+3.6%

263City Lending5$1.4M0.0%

−76.1%

264AmWest Funding8$1.4M0.0%

+1036.0%

265Congressional Federal Credit Union8$1.4M0.0%

+362.3%

266NIH Federal Credit Union6$1.4M0.0%

+1363.2%

267HomeXpress Mortgage7$1.3M0.0%

−35.5%

268Baxter Credit Union9$1.3M0.0%

+38.7%

269Strong Home Mortgage3$1.3M0.0%—

270Goprime Mortgage3$1.3M0.0%

+46.3%

271Affordable Mortgage Advisors5$1.3M0.0%

+44.1%

272Colorado5$1.3M0.0%

+304.8%

273Cornerstone Capital Bank4$1.3M0.0%

+154.0%

274Dollar Bank9$1.3M0.0%

+67.5%

275Goldman Sachs Bank USA1$1.2M0.0%—

276Atlantic Bay Mortgage Group5$1.2M0.0%

−48.9%

277Developer's Mortgage8$1.2M0.0%

−65.8%

278Equity Resources6$1.2M0.0%

+65.1%

279Skyline National Bank2$1.2M0.0%

−25.1%

280Bank Fund Staff Federal Credit6$1.2M0.0%

+7.3%

281North American Savings Bank4$1.2M0.0%

+46.3%

282Heritage Bank2$1.2M0.0%—

283Securitynational Mortgage3$1.1M0.0%

+231.9%

284Celco Community Federal Credit Union11$1.1M0.0%

−11.2%

285Oak View National Bank1$1.1M0.0%—

286Ally Bank4$1.1M0.0%

−65.7%

287NQM Funding4$1.1M0.0%

+246.0%

288Calcon Mutual Mortgage3$1.1M0.0%

−83.3%

289Guidance Residential4$1.1M0.0%

−5.3%

290First Option Mortgage3$1.0M0.0%—

291myCUmortgage6$1.0M0.0%

−47.2%

292Universal Federal Credit Union12$1.0M0.0%

+14.8%

293Empeople Credit Union10$1.0M0.0%

+38.4%

294First Bank and Trust Company4$990K0.0%

+120.0%

295Farmers & Merchants Bank3$975K0.0%

−55.5%

296Investor Mortgage Finance4$950K0.0%

−24.0%

297FCB Banks2$940K0.0%—

298Union Savings Bank4$930K0.0%

+80.6%

299Somerset Trust Company6$890K0.0%

−58.5%

300The Mortgage Firm5$885K0.0%

−9.2%

3011st Signature Lending3$885K0.0%

−69.4%

302Angel Oak Mortgage Solutions4$870K0.0%

+42.6%

303East Coast Capital4$870K0.0%—

304Real Genius3$865K0.0%—

305Synergy One Lending4$850K0.0%

+709.5%

306National Bank of Blacksburg8$840K0.0%

−3.4%

307Kish Bank3$835K0.0%—

308BoxCar Mortgage6$820K0.0%

+0.6%

309Quorum Federal Credit Union9$815K0.0%

+16.4%

310NASA Federal Credit Union3$815K0.0%

+14.8%

311Encore Bank1$805K0.0%—

312Lima One Capital6$800K0.0%

−31.6%

313RPE Home6$790K0.0%—

314First National Bank of America4$790K0.0%

−29.1%

315Kentucky Farmers Bank5$785K0.0%

−6.0%

316Old National Bank3$775K0.0%

+1.3%

317Nexera Holding4$740K0.0%

−13.5%

318CV3 Financial Services5$735K0.0%—

319AAA Capital Investment2$720K0.0%

+396.6%

320Longbridge Financial7$695K0.0%

+308.8%

321Bridgeway Lending Partners4$680K0.0%—

322WSFS bank2$680K0.0%

+65.9%

323Norwich Commercial Group1$675K0.0%

+20.5%

324Bay Capital Mortgage2$670K0.0%

−49.8%

325Consumers National Bank3$665K0.0%—

326Arc Home3$655K0.0%

−27.6%

327American Internet Mortgage3$655K0.0%

+907.7%

328Texana Bank3$655K0.0%

−47.6%

329Oaktree Funding1$645K0.0%—

330Members 1st FCU4$640K0.0%

+64.1%

331UBS Bank USA2$640K0.0%

−45.3%

332ACT 1st FCU9$635K0.0%

+95.4%

333Legends Bank4$630K0.0%—

334Go Mortgage2$630K0.0%

−95.4%

335Logan Finance1$625K0.0%

+155.1%

336Highlands Residential Mortgage1$625K0.0%—

337The Camden National Bank1$615K0.0%—

338Peoples Bank3$605K0.0%

−19.9%

339Lakeview Community Capital2$600K0.0%—

340Gold Star Mortgage Financial Group3$595K0.0%—

341Loansteady2$580K0.0%

+127.5%

342Builder Finance1$575K0.0%—

343Members Choice Credit Union4$570K0.0%

+25.3%

344Educational Systems FCU5$565K0.0%

+189.7%

345United Mortgage1$555K0.0%

−61.6%

346NBH Bank1$555K0.0%

+0.0%

347My Mortgage2$550K0.0%

−89.8%

348Allied Mortgage Group3$545K0.0%

−68.9%

349First International Bank & Trust2$540K0.0%

+103.8%

350Signature Federal Credit Union5$525K0.0%

−21.1%

351Primis Bank2$520K0.0%

+166.7%

352The Freedom Bank of Virginia2$520K0.0%

−73.3%

353The Park National Bank2$520K0.0%

−44.4%

354Contour Mortgage1$515K0.0%

+5.1%

355Woodsboro Bank2$510K0.0%—

356Directions Credit Union1$495K0.0%—

357RBC Bank (Georgia)1$495K0.0%—

358The Central Trust Bank1$485K0.0%

−69.8%

359Clearview Federal Credit Union6$480K0.0%

+57.4%

360Dominion Financial Services3$475K0.0%

+33.8%

361Fourleaf Federal Credit Union3$475K0.0%

−19.5%

362Pike Creek Mortgage Services3$475K0.0%—

363Canopy Mortgage2$460K0.0%

−62.8%

364APL Federal Credit Union3$455K0.0%

+49.2%

365Chevron Federal Credit Union1$455K0.0%

+26.4%

366NRL Federal Credit Union4$450K0.0%—

367SIRVA Mortgage2$450K0.0%

−90.0%

368Agfirst Farm Credit Bank2$450K0.0%

−16.7%

369Commerce Bank1$445K0.0%—

370STG Mortgage2$440K0.0%

−24.1%

371CNB Bank2$440K0.0%—

372Firstbank2$440K0.0%

−5.4%

373Bank of Colorado2$440K0.0%—

374First Ohio Home Finance3$435K0.0%—

375Adams Bank & Trust1$435K0.0%—

376Valley National Bank1$435K0.0%—

377First Financial Bank1$435K0.0%—

378First Commonwealth Bank3$415K0.0%

−43.5%

379Foundation Mortgage2$410K0.0%—

380Alerus Financial1$405K0.0%—

381The National Capital Bank of Washington1$405K0.0%—

382Premier Mortgage Resources1$395K0.0%—

383Capital Mortgage Services of Tex1$395K0.0%—

384Eastman Credit Union5$375K0.0%

−78.7%

385Ruoff Mortgage2$370K0.0%

+221.7%

386Cfbank1$365K0.0%—

387Waterford Commercial and Savings Bank2$360K0.0%—

388Nymeo Federal Credit Union1$355K0.0%

+446.2%

389Nexbank1$355K0.0%

−55.1%

390Liberty Home Mortgage2$350K0.0%

−66.0%

391LendingOne3$345K0.0%—

392Stifel Bank & Trust3$345K0.0%

−76.8%

393The Union Bank2$340K0.0%

+172.0%

394Northwest Bank2$340K0.0%—

395Verus1$335K0.0%—

396Cogent Bank1$335K0.0%

−5.6%

397Access Bank1$335K0.0%—

398Wright Patt Credit Union1$335K0.0%—

399First Savings Bank1$335K0.0%

+36.7%

400First Florida Credit Union1$325K0.0%—

401Lake Michigan Credit Union1$325K0.0%—

402First Western1$315K0.0%—

403VanDyk Mortgage1$305K0.0%—

404American Airlines Federal Cred2$300K0.0%

−67.6%

405Freedom First Federal Credit Union2$300K0.0%

−6.3%

406Geneva Financial1$295K0.0%

−62.9%

407Beeline Loans1$295K0.0%—

408Citibank1$295K0.0%

−76.7%

409Easy Street Capital2$290K0.0%

+100.0%

410Emporium Tpo2$290K0.0%

−19.4%

411Quontic Bank1$275K0.0%

−25.7%

412radius financial group1$275K0.0%

−12.7%

413Peoples Mortgage1$275K0.0%

−74.1%

414Blaze Credit Union1$275K0.0%—

415Christian Community Credit Union2$270K0.0%

+31.7%

416Thrivent Bank1$265K0.0%—

417Capital Bank1$265K0.0%

−86.3%

418Univest Bank and Trust Co1$265K0.0%

−44.8%

419Bank of Whittier1$265K0.0%

+8.2%

420Citizens Equity First Credit U1$265K0.0%

−28.4%

421Conventus Lending1$265K0.0%—

422Compeer Financial1$255K0.0%—

423Ashland Credit Union4$250K0.0%

−70.1%

424Gate City Bank1$245K0.0%—

425Leaders Credit Union1$235K0.0%—

426Cake Mortgage1$235K0.0%

−54.4%

427Communityamerica Federal Credit Union1$235K0.0%—

428Leader Bank1$235K0.0%—

4291st Advantage Federal Credit U1$225K0.0%—

430Toyota Financial Savings Bank1$225K0.0%

−53.6%

431Farm Credit Mid-America, Aca2$220K0.0%

−2.2%

432Oceanside Mortgage1$215K0.0%—

433Select Lending Services1$215K0.0%—

434Hartford Funding1$215K0.0%

−67.4%

435Waterford Bank1$215K0.0%—

436LoanPeople1$215K0.0%—

437Ardri1$215K0.0%—

438Security State Bank1$205K0.0%—

439Absolute Mortgage & Lending1$205K0.0%—

440Vibe Credit Union1$205K0.0%—

441Verabank,n.A1$205K0.0%—

442Willamette Valley Bank1$205K0.0%—

443First Horizon Bank1$205K0.0%

−34.9%

444BOKF1$205K0.0%

−12.8%

445Chartway FCU2$200K0.0%—

446Service Federal Credit Union1$195K0.0%

+18.2%

447New Alliance Credit Union1$195K0.0%—

448Arbor Bank1$195K0.0%—

449Bank of England1$195K0.0%

−68.3%

450Arvest Bank1$195K0.0%

+160.0%

451First State Bank2$190K0.0%

+58.3%

452S&T Bank2$190K0.0%

−92.0%

453US Mortgage1$175K0.0%—

454Cis Financial Services1$175K0.0%—

455Bison State Bank1$175K0.0%—

456Old Second National Bank1$175K0.0%—

457Partners 1st Federal Credit Union3$165K0.0%

+135.7%

458RoundPoint Mortgage Servicing1$165K0.0%

−82.6%

459Princeton Mortgage1$165K0.0%

−66.0%

460Citadel Servicing1$155K0.0%

−81.0%

461State Departmenet Federal Credit Union1$155K0.0%

−83.9%

462American Heritage Federal Credit Union1$145K0.0%

−58.6%

463Liberty Federal Credit Union2$130K0.0%

−86.3%

464Goldwater Bank1$125K0.0%—

465Frick Financial FCU1$115K0.0%—

466Washington Area Teachers FCU2$110K0.0%—

467Altra Federal Credit Union1$105K0.0%—

468Nationwide Mortgage Bankers1$105K0.0%

−56.3%

469Park View Federal Credit Union1$105K0.0%

−73.1%

470Hanscom Federal Credit Union1$95K0.0%—

471Connexus Credit Union2$90K0.0%—

472SkyPoint FCU2$90K0.0%—

473RCN Capital1$85K0.0%—

474Rain City Capital1$85K0.0%—

475Kemba Credit Union1$85K0.0%—

476Atlanta Postal Credit Union1$85K0.0%—

477Shoreham Bank3$75K0.0%

−16.7%

478MidFirst Bank1$65K0.0%

−88.4%

479Corning Credit Union1$65K0.0%

−71.1%

480Lafayette Federal Credit Union1$55K0.0%

−47.6%

481Wings Financial Credit Union1$25K0.0%—

482Capital Center0———

483Department of the Interior FCU0———

484First Bank0———

485Churchill Funding I0———

486Axos Bank0———

487Johns Hopkins FCU0———

488ABL RPC Residential Credit Acquisition0———

489Island Federal Credit Union0———

490Advisors Mortgage Group0———

491Valley West0———

492Home Mortgage Alliance Corp (Hmac)0———

493Usalliance Federal Credit Union0———

494RF Renovo Management0———

495Neighborhood Loans0———

496Flexpoint0———

497Luxury Mortgage0———

498Ice Lender Holdings0———

499General Mortgage Capital0———

500Ardent Federal Credit Union0———

501BMO Harris Bank0———

502BayPort Credit Union0———

503Canyon View Credit Union0———

504Servis One0———

505Americu Credit Union0———

506Griffin Funding0———

507TruHome Solutions0———

508Star One Credit Union0———

509Affinity Federal Credit Union0———

510Everence Federal Credit Union0———

511American Bank of Commerce0———

512America First Federal Credit Union0———

513Centra Credit Union0———

514University Federal Credit Union0———

515Ameriserv Financial Bank0———

516Data Mortgage0———

517Genway Home Mortgage0———

518Northrop Grumman Federal Credit Union0———

519Virginia Federal Credit Union0———

520Ameritrust Mortgage0———

521FedChoice Federal Credit Union0———

522Utilities Employees Credit Union0———

523A+ Federal Credit Union0———

524Sovereign Bank0———

525Andrews Federal Credit Union0———

526First Federal S&L of Lakewood0———

527NuMark Credit Union0———

528Guardian Savings Bank0———

529Redwood Residential Acquisition0———

530Bridgewater Bank0———

531Waterstone Bank0———

532Cfsbank0———

533Insight Credit Union0———

534Network Capital Funding0———

535First Alliance Home Mortgage0———

536Civista Bank0———

537Rogue Credit Union0———

538HomeSale Mortgage0———

539Hopewell Federal Credit Union0———

540All in Credit Union0———

541Digital Federal Credit Union0———

542Fidelity Bank0———

543Chickasaw Community Bank0———

544Farmers Bank & Trust0———

545South Central Bank0———

546Wauna Federal Credit Union0———

547Arcstone Financial0———

548CoreVestAmericanFinanceLenderLLC0———

549Liberty Savings Bank0———

550Stride Bank0———

551Plainscapital Bank0———

552New Wave Lending Group0———

553Agriculture Federal Credit Union0———

554Spring EQ0———

555United Federal Credit Union0———

556Brighton Bank0———

557Riverhills Bank0———

558Nations Direct Mortgage0———

559Bank of Lexington0———

560Intercap Lending0———

561State Employees' Credit Union0———

562NorthCountry Federal Credit Union0———

563TruPoint Bank0———

564Allegacy Federal Credit Union0———

565Uva Community Credit Union0———

566Dupaco Community Credit Union0———

567Skyone Federal Credit Union0———

568Honda Federal Credit Union0———

569Truliant Federal Credit Union0———

570Virginia National Bank0———

571Servbank0———

572First Premier Bank0———

573Uncle Credit Union0———

574SouthState Bank0———

575Regions Bank0———

576First National Bank of Omaha0———

577First American Bank0———

1-4 family dwellings: Originations whose derived dwelling category is Single Family (1-4 Units) — site-built or manufactured.

ON THIS PAGE · This page is published for search and is served from cache, so it cannot read a scope from the address bar. The pills open the West Virginia state hub, which honours the rung; the figures here stay on the full HMDA basis and the ladder below states exactly what that includes.

What “originations” counts

Every rung below is a strict subset of the one above it, for West Virginia in 2025. No single HMDA slice equals the industry origination figure, so this shows the whole ladder rather than picking one and claiming it matches.

All HMDA originations29,629$6.1B100.0%— the widest basis

1-4 family dwellings29,410$5.7B92.8%5+ unit multifamily · 219 loans · $439.8M

1-4 family, first lien24,603$5.4B87.5%junior and subordinate liens · 4,807 loans · $330.5M

1-4 family, first lien, closed-end(disclosure only)23,341$5.2B85.0%home-equity lines of credit · 1,262 loans · $149.7M

1-4 family, first lien, closed-end, consumer-purpose(disclosure only)22,200$5B81.6%business-purpose loans and reverse mortgages · 1,141 loans · $206.9M

Source: HMDA public loan-application data (CFPB/FFIEC), action taken = 1, activity year 2025. The two lowest rungs are shown for disclosure and are not selectable — a HELOC flag or a business-purpose flag that the filer claimed the partial exemption on arrives unreported, so those two rungs keep unreported records rather than guessing.

Counties in West Virginia

Mortgage lending by county — 52 with enough origination volume to profile, largest first

Berkeley County 4,391 Jefferson County 2,548 Monongalia County 1,731 Kanawha County 2,758 Cabell County 1,453 Putnam County 1,185 Wood County 1,287 Raleigh County 1,251 Harrison County 1,024 Marion County 909 Morgan County 521 Mercer County 684 Greenbrier County 534 Hampshire County 540 Ohio County 591 Preston County 404 Mineral County 451 Fayette County 503 Wayne County 485 Jackson County 379 Hardy County 258 Hancock County 458 Marshall County 434 Nicholas County 327 Mason County 327 Taylor County 209 Brooke County 318 Upshur County 245 Randolph County 240 Logan County 285 Tucker County 127 Wetzel County 191 Lewis County 185 Grant County 164 Boone County 195 Monroe County 172 Pocahontas County 112 Summers County 148 Lincoln County 152 Roane County 122 Barbour County 105 Pendleton County 93 Braxton County 123 Wyoming County 116 Mingo County 105 Pleasants County 74 Clay County 106 Wirt County 74 Tyler County 73 Ritchie County 60 Doddridge County 50 Webster County 54

COUNTY PROFILES INCLUDE

Origination volume and denial rate, market concentration, the top lenders operating there, ACS housing and income context, and FEMA natural-hazard exposure.

Go deeper

West Virginia in the full MortRadar app

West Virginia market benchmarks →Interactive year-by-year volume, rates, and channel-mix charts West Virginia state hub — every dataset →HMDA lender share, FHA, Fannie/Freddie, Ginnie Mae, VA, NMLS licensing, the state housing finance agency, CFPB complaints and market context, one tab each Top Mortgage Players →Cross-metric national leaderboard: HMDA, Ginnie, FHA, market cap National market hub →U.S. origination totals, movers, and the state map

Other state markets

Largest states by 2025 volume

California$344.74B Texas$186.23B Florida$183.52B New York$116.18B North Carolina$89.58B Washington$81.03B Georgia$79.74B Virginia$77.59B

All 50 states + DC →

Attribution & methodology. West Virginia figures are computed by MortRadar from Home Mortgage Disclosure Act (HMDA) public data published by the Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC), activity years 2018–2025. Originations = loans originated (action taken 1); denial rate = denials / actioned applications (CFPB Data Browser convention); “state share” is a lender’s share of the state’s disclosed origination volume; loan amounts are the public files’ midpoint-rounded values. MortRadar’s aggregations are derived works and are not published, reviewed, or endorsed by the CFPB, FFIEC, or any government agency. See data attribution and the disclaimer.

Fair-lending context: denial rates and demographic figures shown here are descriptive statistics derived from public HMDA and U.S. Census data. HMDA does not contain the credit, income, or underwriting variables that explain most lending outcomes, so a difference between lenders or areas is a statistical observation about published data — not evidence of, and not a determination of, discrimination or redlining by any institution.