West Virginia · HMDA 2025
Mortgage lenders in Mercer County, WV
126 lenders reported 1,586 home-loan applications in Mercer County in 2025. 684 closed as loans ($116.1M), 348 were denied — a 32.3% denial rate on decided applications, above the West Virginia rate of 26.6%. The three most active lenders handled 24% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,586
- Loans originated
- 684
- Purchase / refinance
- 429 / 149
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Mercer County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 134 | 8.4% | — |
| 2 | Atlantic Union Bank 73 out of 100, Strong | 134 | 8.4% | 23.3% |
| 3 | First Community Bank 75 out of 100, Strong | 120 | 7.6% | 30.8% |
| 4 | Truist Bank 63 out of 100, Moderate | 97 | 6.1% | 40.8% |
| 5 | Rocket Mortgage, LLC | 86 | 5.4% | — |
| 6 | 21st Mortgage Corporation | 80 | 5.0% | — |
| 7 | Mortgage Research Center, LLC | 70 | 4.4% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 51 | 3.2% | — |
| 9 | AMERIHOME MORTGAGE COMPANY, LLC | 48 | 3.0% | — |
| 10 | City National Bank of West Virginia 78 out of 100, Strong | 46 | 2.9% | 27.3% |
| 11 | Burke & Herbert Bank & Trust Company 65 out of 100, Moderate | 44 | 2.8% | 15.9% |
| 12 | Broker Solutions, Inc. | 37 | 2.3% | — |
| 13 | NEWREZ LLC | 33 | 2.1% | — |
| 14 | PLANET HOME LENDING, LLC | 33 | 2.1% | — |
| 15 | MOVEMENT MORTGAGE, LLC | 30 | 1.9% | — |
| 16 | New Peoples Bank, Inc. 76 out of 100, Strong | 29 | 1.8% | 5.9% |
| 17 | Legacy Bank 68 out of 100, Moderate | 28 | 1.8% | 1.1% |
| 18 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 27 | 1.7% | 14.1% |
| 19 | Loandepot.Com, LLC | 27 | 1.7% | — |
| 20 | FREEDOM MORTGAGE CORPORATION | 27 | 1.7% | — |
| 21 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 26 | 1.6% | 74.7% |
| 22 | AmeriSave Mortgage Corporation | 25 | 1.6% | — |
| 23 | Alcova Mortgage LLC | 24 | 1.5% | — |
| 24 | NATIONSTAR MORTGAGE LLC | 18 | 1.1% | — |
| 25 | UNITED SHORE FINANCIAL SERVICES, LLC | 16 | 1.0% | — |
| 26 | TRIAD FINANCIAL SERVICES, INC. | 16 | 1.0% | — |
| 27 | Navy Federal Credit Union 66 out of 100, Moderate | 13 | 0.8% | 32.9% |
| 28 | Discover Bank | 10 | 0.6% | — |
| 29 | First Sentinel Bank 67 out of 100, Moderate | 10 | 0.6% | 5.7% |
| 30 | CROSSCOUNTRY MORTGAGE, INC. | 9 | 0.6% | — |
| 31 | MCNB Bank and Trust Co. 50 out of 100, Below average | 9 | 0.6% | 6.8% |
| 32 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 8 | 0.5% | 22.2% |
| 33 | NATIONAL BANKSHARES, INC. 70 out of 100, Strong | 8 | 0.5% | 3.1% |
| 34 | U.S. Bank National Association 55 out of 100, Moderate | 7 | 0.4% | 39.5% |
| 35 | FIGURE LENDING LLC | 7 | 0.4% | — |
| 36 | SOUTHWEST STAGE FUNDING, LLC | 6 | 0.4% | — |
| 37 | CARRINGTON MORTGAGE SERVICES, LLC | 6 | 0.4% | — |
| 38 | BETTER MORTGAGE CORPORATION | 6 | 0.4% | — |
| 39 | EASTMAN CREDIT UNION 91 out of 100, Very strong | 6 | 0.4% | 26.9% |
| 40 | Coastal Community Bank 35 out of 100, Low | 6 | 0.4% | 3.0% |
Top 40 of 126 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
- Wayne County 1,177 apps
- Greenbrier County 1,081 apps