Mortgage Approval and Denial Rates in West Virginia (2025 HMDA)
Mortgage denial rates in West Virginia: lenders acted on 53,687 mortgage applications in West Virginia in 2025 and denied 21.1% of them, down from 22.8% in 2024. The national denial rate was 17.7%.
Applications acted on
53,687
Loans originated
29,401
Denial rate
21.1%
Median loan
$145,000
West Virginia against the national picture
Most-reported denial reason in West Virginia: Credit history.
Counties ranked by denial rate
| County | Applications | Denial rate | Median loan |
|---|---|---|---|
| Mingo County | 420 | 41.9% | $105,000 |
| McDowell County | 164 | 40.2% | $95,000 |
| Boone County | 506 | 35.2% | $105,000 |
| Lincoln County | 424 | 34.7% | $115,000 |
| Gilmer County | 102 | 34.3% | $115,000 |
| Braxton County | 279 | 34.1% | $105,000 |
| Webster County | 128 | 33.6% | $95,000 |
| Wyoming County | 314 | 33.4% | $95,000 |
| Roane County | 296 | 32.4% | $125,000 |
| Doddridge County | 126 | 31.7% | $125,000 |
| Upshur County | 616 | 31.2% | $115,000 |
| Barbour County | 306 | 30.7% | $115,000 |
| Logan County | 688 | 30.2% | $105,000 |
| Wayne County | 1,105 | 29.2% | $105,000 |
| Pleasants County | 158 | 29.1% | $125,000 |
| Clay County | 209 | 28.7% | $95,000 |
| Pocahontas County | 236 | 28.0% | $135,000 |
| Mason County | 692 | 26.2% | $125,000 |
| Jackson County | 768 | 26.0% | $135,000 |
| Lewis County | 439 | 26.0% | $125,000 |
| Nicholas County | 650 | 25.8% | $115,000 |
| Summers County | 285 | 25.3% | $105,000 |
| Ritchie County | 150 | 25.3% | $115,000 |
| Randolph County | 532 | 25.0% | $125,000 |
| Mercer County | 1,402 | 24.8% | $115,000 |
| Fayette County | 992 | 24.6% | $105,000 |
| Tyler County | 129 | 24.0% | $115,000 |
| Taylor County | 382 | 22.5% | $135,000 |
| Kanawha County | 5,282 | 22.3% | $115,000 |
| Cabell County | 2,730 | 21.9% | $125,000 |
| Raleigh County | 2,276 | 21.7% | $125,000 |
| Marion County | 1,657 | 21.7% | $135,000 |
| Greenbrier County | 974 | 21.5% | $135,000 |
| Harrison County | 1,871 | 20.8% | $135,000 |
| Marshall County | 716 | 20.8% | $105,000 |
| Wirt County | 124 | 20.2% | $120,000 |
| Wood County | 2,215 | 20.1% | $125,000 |
| Hancock County | 790 | 20.0% | $105,000 |
| Preston County | 750 | 20.0% | $155,000 |
| Hardy County | 436 | 20.0% | $175,000 |
| Putnam County | 2,111 | 19.8% | $155,000 |
| Brooke County | 535 | 19.8% | $105,000 |
| Wetzel County | 325 | 19.7% | $95,000 |
| Monroe County | 321 | 19.6% | $125,000 |
| Pendleton County | 153 | 17.6% | $145,000 |
| Grant County | 298 | 17.4% | $135,000 |
| Berkeley County | 7,243 | 16.9% | $235,000 |
| Ohio County | 955 | 16.8% | $125,000 |
| Tucker County | 236 | 16.5% | $205,000 |
| Morgan County | 854 | 16.3% | $215,000 |
| Mineral County | 693 | 16.3% | $155,000 |
| Monongalia County | 2,845 | 16.1% | $195,000 |
| Hampshire County | 839 | 15.0% | $165,000 |
| Jefferson County | 3,880 | 13.0% | $285,000 |
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Reading these numbers
The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.
Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.