Mortgage lending in Monongalia County, West Virginia
Lenders in Monongalia County, West Virginia reported 2,845 mortgage applications for 2025, according to the CFPB.
2,845 mortgage applications and 1,731 loans originated in 2025; the denial rate was 20.0% of 2,287 applications decided. The median loan was about $225,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Morgantown, WV MSA.
- 2,845
- Applications
- 1,731
- Loans originated
- 20.0%
- Denial rate
- 458 denied of 2,287 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,845 | 1,731 |
| 2024 | 2,641 | 1,550 |
| 2023 | 2,586 | 1,537 |
| 2022 | 3,478 | 2,229 |
| 2021 | 5,399 | 3,651 |
| 2020 | 4,877 | 3,384 |
| 2019 | 3,510 | 2,401 |
| 2018 | 3,287 | 2,215 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Clear Mountain Bank | 184 | 222 |
| Huntington National Bank | 174 | 296 |
| Rocket Mortgage | 98 | 140 |
| PNC Bank N.A. | 89 | 127 |
| United Bank VA | 85 | 115 |
| Wesbanco Bank, Inc. | 81 | 132 |
| Intercoastal Mortgage, LLC | 70 | 84 |
| United Wholesale Mortgage | 63 | 81 |
| Truist Bank | 58 | 94 |
| Crosscountry Mortgage, LLC | 57 | 99 |
| First Federal Savings and Loan | 56 | 73 |
| Fairmont Federal Credit Union | 48 | 78 |
| loanDepot.com LLC | 46 | 67 |
| City National Bank of WV | 43 | 57 |
| DHI Mortgage Company, LTD. | 41 | 51 |
| US Bank, N.A. | 40 | 59 |
| Mortgage Research Center | 32 | 61 |
| NVR Mortgage Finance, Inc. | 29 | 36 |
| First Exchange Bank | 23 | 39 |
| First United Bank & Trust | 22 | 29 |
| JPMorgan Chase Bank, NA | 18 | 30 |
| Nationstar Mortgage | 16 | 27 |
| 21ST Mortgage | 16 | 70 |
| Navy Federal Credit Union | 15 | 42 |
| Guaranteed Rate, Inc. | 13 | 25 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 94 | 11.1% of 72 decided |
| Black or African American | 62 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,172 | 20.2% of 1,771 decided |
| 2 or more minority races | under 10 | |
| Joint | 57 | no rate: base under 50 |
| Race Not Available | 448 | 19.1% of 346 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 52 | no rate: base under 50 |
| Not Hispanic or Latino | 2,309 | 19.4% of 1,884 decided |
| Joint | 42 | no rate: base under 50 |
| Ethnicity Not Available | 442 | 20.6% of 330 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 909 | 24.2% of 731 decided |
| Female | 621 | 23.5% of 490 decided |
| Joint | 1,002 | 15.1% of 826 decided |
| Sex Not Available | 313 | 17.1% of 240 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. 846 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