West Virginia · HMDA 2025
Mortgage lenders in McDowell County, WV
42 lenders reported 172 home-loan applications in McDowell County in 2025. 46 closed as loans ($4.8M), 66 were denied — a 55.5% denial rate on decided applications, above the West Virginia rate of 26.6%. The three most active lenders handled 41% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 172
- Loans originated
- 46
- Purchase / refinance
- 33 / 5
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in McDowell County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 42 | 24.4% | — |
| 2 | 21st Mortgage Corporation | 14 | 8.1% | — |
| 3 | Rocket Mortgage, LLC | 14 | 8.1% | — |
| 4 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 13 | 7.6% | 74.7% |
| 5 | Pioneer Community Bank, Inc. 79 out of 100, Strong | 9 | 5.2% | 13.0% |
| 6 | SOUTHWEST STAGE FUNDING, LLC | 8 | 4.7% | — |
| 7 | Broker Solutions, Inc. | 6 | 3.5% | — |
| 8 | TRIAD FINANCIAL SERVICES, INC. | 5 | 2.9% | — |
| 9 | First Community Bank 75 out of 100, Strong | 5 | 2.9% | 30.8% |
| 10 | Atlantic Union Bank 73 out of 100, Strong | 5 | 2.9% | 23.3% |
| 11 | Truist Bank 63 out of 100, Moderate | 4 | 2.3% | 40.8% |
| 12 | Discover Bank | 4 | 2.3% | — |
| 13 | AmeriSave Mortgage Corporation | 4 | 2.3% | — |
| 14 | MCNB Bank and Trust Co. 50 out of 100, Below average | 3 | 1.7% | 6.8% |
| 15 | Burke & Herbert Bank & Trust Company 65 out of 100, Moderate | 3 | 1.7% | 15.9% |
| 16 | Navy Federal Credit Union 66 out of 100, Moderate | 2 | 1.2% | 32.9% |
| 17 | MOVEMENT MORTGAGE, LLC | 2 | 1.2% | — |
| 18 | First Sentinel Bank 67 out of 100, Moderate | 2 | 1.2% | 5.7% |
| 19 | NATIONSTAR MORTGAGE LLC | 2 | 1.2% | — |
| 20 | ROYAL UNITED MORTGAGE LLC | 2 | 1.2% | — |
| 21 | NATIONAL BANKSHARES, INC. 70 out of 100, Strong | 2 | 1.2% | 3.1% |
| 22 | The Huntington National Bank 59 out of 100, Moderate | 1 | 0.6% | 31.6% |
| 23 | NEWREZ LLC | 1 | 0.6% | — |
| 24 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 1 | 0.6% | 14.1% |
| 25 | UNITED SHORE FINANCIAL SERVICES, LLC | 1 | 0.6% | — |
| 26 | PENNYMAC LOAN SERVICES, LLC | 1 | 0.6% | — |
| 27 | GUILD MORTGAGE COMPANY | 1 | 0.6% | — |
| 28 | CROSSCOUNTRY MORTGAGE, INC. | 1 | 0.6% | — |
| 29 | Mortgage Research Center, LLC | 1 | 0.6% | — |
| 30 | Kiavi Funding, Inc. | 1 | 0.6% | — |
| 31 | TAMMAC HOLDINGS CORPORATION | 1 | 0.6% | — |
| 32 | New Peoples Bank, Inc. 76 out of 100, Strong | 1 | 0.6% | 5.9% |
| 33 | Fidelity Bank, National Association 60 out of 100, Moderate | 1 | 0.6% | 24.9% |
| 34 | PLAZA HOME MORTGAGE, INC. | 1 | 0.6% | — |
| 35 | City National Bank of West Virginia 78 out of 100, Strong | 1 | 0.6% | 27.3% |
| 36 | TRUPoint Bank 77 out of 100, Strong | 1 | 0.6% | 19.0% |
| 37 | VILLAGE CAPITAL & INVESTMENT LLC | 1 | 0.6% | — |
| 38 | SECURITYNATIONAL MORTGAGE COMPANY | 1 | 0.6% | — |
| 39 | BETTER MORTGAGE CORPORATION | 1 | 0.6% | — |
| 40 | PHH Mortgage Corporation | 1 | 0.6% | — |
Top 40 of 42 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