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West Virginia mortgage market benchmarks

West Virginia origination trends 2018–2025 from HMDA public data: volume, denial rates, and purchase vs refinance mix. Free and open — no account required.

Originations 2025

29,629

+9.1% vs 2024

2024: 27,168

Volume 2025

$6.14B

originated $
2024: $5.28B

Denial rate 2025

21.2%

denied / actioned
2024: 22.8% denied / actioned

Reporting lenders 2025

577

HMDA reporters
2024: 547 reporters

Origination volume by year

Dollar volume of originated loans

$ VOLUME · HOVER FOR UNITS
$0$2.5B$5B$7.5B$10B20182019202020212022202320242025$6.14B

Loan purpose mix

Share of 2025 originations

Denial rate by year

Denials / actioned applications (CFPB convention)

0.0%13.2%26.3%2018201920202021202220232024202521.2%

West Virginia market by year

YEARLENDERSAPPLICATIONSORIGINATIONSVOLUMEDENIALPURCHASEREFI
202557754,70429,629$6.14B2025 origination volume29,629 loans originated21.2%2025 denial rate54,704 applications actioned57.9%39.9%
202454749,71327,168$5.28B2024 origination volume27,168 loans originated22.8%2024 denial rate49,713 applications actioned61.4%34.7%
202354747,64025,542$4.52B2023 origination volume25,542 loans originated22.8%2023 denial rate47,640 applications actioned63.6%30.9%
202256859,85733,809$6.40B2022 origination volume33,809 loans originated20.3%2022 denial rate59,857 applications actioned57.2%44.3%
202154879,88649,467$9.23B2021 origination volume49,467 loans originated15.4%2021 denial rate79,886 applications actioned44.9%63.8%
202051570,60643,874$7.99B2020 origination volume43,874 loans originated16.6%2020 denial rate70,606 applications actioned43.8%61.8%
201949354,94232,928$5.20B2019 origination volume32,928 loans originated20.4%2019 denial rate54,942 applications actioned55.1%46.8%
201848552,37630,579$4.44B2018 origination volume30,579 loans originated22.9%2018 denial rate52,376 applications actioned55.8%44.3%

Attribution & methodology. Benchmarks are computed by MortRadar from Home Mortgage Disclosure Act (HMDA) public data files published by the Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC), covering activity years 2018–2025. Originations = loans originated (action taken 1); denial rate = denials / actioned applications (CFPB Data Browser convention); 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.

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