Mortgage lending in Mercer County, West Virginia
Lenders in Mercer County, West Virginia reported 1,402 mortgage applications for 2025, according to the CFPB.
1,402 mortgage applications and 684 loans originated in 2025; the denial rate was 32.3% of 1,077 applications decided. The median loan was about $135,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Mercer County, WV.
- 1,402
- Applications
- 684
- Loans originated
- 32.3%
- Denial rate
- 348 denied of 1,077 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,402 | 684 |
| 2024 | 1,274 | 622 |
| 2023 | 1,215 | 616 |
| 2022 | 1,585 | 802 |
| 2021 | 1,962 | 1,142 |
| 2020 | 1,804 | 1,026 |
| 2019 | 1,440 | 770 |
| 2018 | 1,345 | 731 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Atlantic Union Bank | 118 | 134 |
| First Community Bank | 67 | 120 |
| Rocket Mortgage | 57 | 84 |
| Truist Bank | 40 | 94 |
| Mortgage Research Center | 34 | 70 |
| City National Bank of WV | 33 | 46 |
| Burke & Herbert BK & TR Co | 29 | 44 |
| Legacy Bank | 27 | 28 |
| New Peoples Bank, Inc | 24 | 29 |
| Vanderbilt Mortgage and Finance, Inc | 21 | 134 |
| Movement Mortgage, LLC | 20 | 30 |
| ALCOVA Mortgage, LLC | 18 | 24 |
| Pennymac Loan Services LLC | 16 | 27 |
| loanDepot.com LLC | 12 | 27 |
| 21ST Mortgage | 12 | 80 |
| First Sentinel Bank | 9 | 10 |
| United Wholesale Mortgage | 9 | 16 |
| Navy Federal Credit Union | 7 | 13 |
| New American Funding, LLC. | 7 | 37 |
| Freedom Mortgage Corporation | 7 | 18 |
| Amerisave Mortgage Company | 7 | 25 |
| MCNB Bank and Trust Co | 6 | 9 |
| Gateway First Bank | 5 | 5 |
| Nationstar Mortgage | 5 | 8 |
| National Bank of Blacksburg | 5 | 8 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | 61 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,129 | 31.5% of 883 decided |
| 2 or more minority races | under 10 | |
| Joint | 19 | no rate: base under 50 |
| Race Not Available | 175 | 32.0% of 128 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 1,167 | 31.1% of 906 decided |
| Joint | withheld | |
| Ethnicity Not Available | 217 | 36.7% of 158 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 479 | 33.1% of 357 decided |
| Female | 333 | 41.5% of 258 decided |
| Joint | 461 | 25.1% of 366 decided |
| Sex Not Available | 129 | 32.3% of 96 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. 2276 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