2025 activity year · Official source proof
West Virginia mortgage market
Reported mortgage application activity from the official CFPB/FFIEC HMDA Data Browser, with purchased loans excluded from the application denominator.
Activity year
2025
Action taken
What happened to applications?
Originated54.2% · 29,629
Approved, not accepted3.5% · 1,893
Denied20.9% · 11,456
Withdrawn12.7% · 6,968
File closed for incompleteness7.5% · 4,128
Preapproval denied0.4% · 232
Preapproval approved, not accepted0.7% · 398
“Originated” means the reported application resulted in a loan. It is not an approval probability for a future applicant.
Loan purpose
Why people applied
55%Home purchase
- Home purchase54.5%
- Home improvement8.6%
- Other purpose9.4%
- Not applicable0.0%
- Refinancing12.0%
- Cash-out refinancing15.4%
Next source gate
Denial reasons are not published yet.
That analysis requires the raw modified-LAR pipeline, reason-code reconciliation, and small-cell review. We will not fill the gap with estimates or unsupported conclusions.
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Data provenance
Every published number will carry its source.
This profile identifies the activity year, cohort rules, source endpoint, response hash, and processing date. Source: CFPB/FFIEC HMDA Data Browser API. Last refreshed September 2, 2026.