West Virginia’s FHA denial rate in 2025 was 23.6% across 6,908 decisioned applications — ranking #19 of 52 states. Among high-volume lenders, the lowest observed denial rate was Integrity Home Mortgage Corporat at 5.8%; the highest was Amerisave Mortgage Company at 82.5%. The institutional spread inside West Virginia is 14.2×: the same FHA application faces a 5.8% observed denial rate at one high-volume door and 82.5% at another — two real endpoints of the federal record, same state, same program. Source: complete CFPB HMDA 2025 federal record.
Cells require 100+ decisioned applications. Sorted softest first. Observed rates — not endorsements.
| Lender | West Virginia FHA apps | Denial rate |
|---|---|---|
| Integrity Home Mortgage Corporat | 224 | 5.8% |
| Gateway First Bank | 134 | 6.0% |
| Movement Mortgage, LLC | 416 | 7.7% |
| Crosscountry Mortgage, LLC | 293 | 9.2% |
| Primelending | 175 | 10.3% |
| Stockton Mortgage Corporation | 124 | 11.3% |
| Wesbanco Bank, Inc. | 136 | 16.9% |
| Huntington National Bank | 218 | 23.4% |
| Freedom Mortgage Corporation | 204 | 23.5% |
| United Wholesale Mortgage | 273 | 26.0% |
| Loandepot.Com LLC | 583 | 26.4% |
| New American Funding, LLC. | 223 | 29.1% |
| Pennymac Loan Services LLC | 143 | 32.2% |
| Rocket Mortgage | 895 | 33.2% |
| Amerisave Mortgage Company | 308 | 82.5% |
Applications under $150K were denied 33.7% of the time versus 15.7% for loans of $250K+ — a 2.1× penalty on the smallest loans. National context: the small-loan penalty.
The Home Mortgage Disclosure Act requires every U.S. mortgage lender to report every application — outcome, amount, and denial reason — to federal regulators annually. It is government-verified, covers all lenders equally, and cannot be gamed. These tables are processed directly from that record.
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