West Virginia · HMDA 2025
Mortgage lenders in Hardy County, WV
96 lenders reported 478 home-loan applications in Hardy County in 2025. 258 closed as loans ($62.6M), 87 were denied — a 24.6% denial rate on decided applications, below the West Virginia rate of 26.6%. The three most active lenders handled 24% of applications, led by CAPON VALLEY BANK. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 478
- Loans originated
- 258
- Purchase / refinance
- 165 / 68
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Hardy County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | CAPON VALLEY BANK 61 out of 100, Moderate | 48 | 10.0% | 1.1% |
| 2 | Rocket Mortgage, LLC | 36 | 7.5% | — |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC. | 29 | 6.1% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 26 | 5.4% | — |
| 5 | Pendleton Community Bank, Inc. 61 out of 100, Moderate | 26 | 5.4% | 13.0% |
| 6 | Navy Federal Credit Union 66 out of 100, Moderate | 21 | 4.4% | 32.9% |
| 7 | Integrity Home Mortgage Corporation | 19 | 4.0% | — |
| 8 | CROSSCOUNTRY MORTGAGE, INC. | 18 | 3.8% | — |
| 9 | The Grant County Bank 69 out of 100, Moderate | 16 | 3.3% | 10.7% |
| 10 | Burke & Herbert Bank & Trust Company 65 out of 100, Moderate | 15 | 3.1% | 15.9% |
| 11 | UNITED SHORE FINANCIAL SERVICES, LLC | 13 | 2.7% | — |
| 12 | Mortgage Research Center, LLC | 12 | 2.5% | — |
| 13 | Alcova Mortgage LLC | 10 | 2.1% | — |
| 14 | AmeriSave Mortgage Corporation | 9 | 1.9% | — |
| 15 | NEWREZ LLC | 8 | 1.7% | — |
| 16 | FNB Bank, Incorporated 70 out of 100, Strong | 7 | 1.5% | 4.6% |
| 17 | PLANET HOME LENDING, LLC | 7 | 1.5% | — |
| 18 | Farm Credit of the Virginias, ACA | 5 | 1.0% | — |
| 19 | SOFI BANK, NATIONAL ASSOCIATION | 5 | 1.0% | — |
| 20 | TAMMAC HOLDINGS CORPORATION | 5 | 1.0% | — |
| 21 | LAKEVIEW LOAN SERVICING, LLC | 5 | 1.0% | — |
| 22 | Truist Bank 63 out of 100, Moderate | 4 | 0.8% | 40.8% |
| 23 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 4 | 0.8% | 22.2% |
| 24 | Loandepot.Com, LLC | 4 | 0.8% | — |
| 25 | Broker Solutions, Inc. | 4 | 0.8% | — |
| 26 | LOWER, LLC | 4 | 0.8% | — |
| 27 | ROYAL UNITED MORTGAGE LLC | 4 | 0.8% | — |
| 28 | VILLAGE CAPITAL & INVESTMENT LLC | 4 | 0.8% | — |
| 29 | Barrington Bank & Trust Company, National Association 42 out of 100, Below average | 4 | 0.8% | 9.1% |
| 30 | 21st Mortgage Corporation | 3 | 0.6% | — |
| 31 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 3 | 0.6% | 14.1% |
| 32 | MOVEMENT MORTGAGE, LLC | 3 | 0.6% | — |
| 33 | DOMINION FINANCIAL SERVICES, LLC | 3 | 0.6% | — |
| 34 | SOUTHWEST STAGE FUNDING, LLC | 3 | 0.6% | — |
| 35 | PARTNERS 1ST Federal Credit Union 58 out of 100, Moderate | 3 | 0.6% | 15.1% |
| 36 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 3 | 0.6% | 45.9% |
| 37 | FREEDOM MORTGAGE CORPORATION | 3 | 0.6% | — |
| 38 | City National Bank of West Virginia 78 out of 100, Strong | 3 | 0.6% | 27.3% |
| 39 | NFM, INC. | 3 | 0.6% | — |
| 40 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 3 | 0.6% | 32.9% |
Top 40 of 96 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in West Virginia
- Berkeley County 8,751 apps
- Kanawha County 5,775 apps
- Jefferson County 4,882 apps
- Monongalia County 3,167 apps
- Cabell County 2,912 apps
- Wood County 2,429 apps
- Raleigh County 2,418 apps
- Putnam County 2,274 apps
- Harrison County 2,073 apps
- Marion County 1,821 apps
- Mercer County 1,586 apps
- Wayne County 1,177 apps