Mortgage lending in Jefferson County, West Virginia
Lenders in Jefferson County, West Virginia reported 3,880 mortgage applications for 2025, according to the CFPB.
3,880 mortgage applications and 2,548 loans originated in 2025; the denial rate was 15.9% of 3,161 applications decided. The median loan was about $295,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Jefferson County, WV HUD Metro FMR Area.
- 3,880
- Applications
- 2,548
- Loans originated
- 15.9%
- Denial rate
- 503 denied of 3,161 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,880 | 2,548 |
| 2024 | 3,339 | 2,166 |
| 2023 | 2,742 | 1,743 |
| 2022 | 3,473 | 2,142 |
| 2021 | 5,715 | 3,895 |
| 2020 | 4,840 | 3,185 |
| 2019 | 3,128 | 2,058 |
| 2018 | 2,567 | 1,633 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Lennar Mortgage, LLC | 287 | 362 |
| First Heritage Mortgage, LLC | 215 | 232 |
| Rocket Mortgage | 185 | 254 |
| Atlantic Coast Mortgage, LLC | 122 | 153 |
| Crosscountry Mortgage, LLC | 98 | 133 |
| City National Bank of WV | 96 | 141 |
| Navy Federal Credit Union | 89 | 189 |
| Truist Bank | 74 | 118 |
| Integrity Home Mortgage Corporation | 73 | 96 |
| United Wholesale Mortgage | 73 | 96 |
| DHI Mortgage Company, LTD. | 71 | 91 |
| Potomac Bank | 55 | 71 |
| RMC Home Mortgage, LLC | 52 | 72 |
| Newrez LLC | 42 | 79 |
| Pennymac Loan Services LLC | 42 | 82 |
| Jefferson Security Bank | 37 | 49 |
| loanDepot.com LLC | 36 | 51 |
| Mortgage Research Center | 35 | 79 |
| Freedom Mortgage Corporation | 32 | 89 |
| Amerisave Mortgage Company | 27 | 59 |
| United Bank VA | 26 | 43 |
| Guaranteed Rate, Inc. | 26 | 38 |
| PNC Bank N.A. | 26 | 38 |
| Guild Mortgage Company | 24 | 32 |
| Waterstone Mortgage Corporation | 24 | 31 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 28 | no rate: base under 50 |
| Asian | 277 | 9.0% of 212 decided |
| Black or African American | 218 | 21.5% of 172 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,493 | 15.4% of 2,059 decided |
| 2 or more minority races | under 10 | |
| Joint | 90 | 14.9% of 74 decided |
| Race Not Available | 762 | 18.7% of 611 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 363 | 13.5% of 304 decided |
| Not Hispanic or Latino | 2,733 | 15.7% of 2,237 decided |
| Joint | withheld | |
| Ethnicity Not Available | 683 | 18.8% of 537 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,493 | 14.2% of 1,195 decided |
| Female | 795 | 17.8% of 659 decided |
| Joint | 1,247 | 14.0% of 1,037 decided |
| Sex Not Available | 345 | 26.3% of 270 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 335 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved