Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Kanawha County, West Virginia
Every institution that decided a 1–4 unit mortgage application in Kanawha County, home to Charleston, between 2023 and 2025: 10,321 applications, 7,059 loans actually funded, across 8 kinds of borrowing.
Kanawha County at a glance
10,321Applications decided
2023–2025
7,059Loans funded
68% of decisions
57Census tracts
22 ZIP codes
178,198People
ACS 2023
What the data shows
Lenders approved 77.6% of home-purchase applications in Kanawha County, 4.7 points below the West Virginia rate.
The typical purchase mortgage here is $155K.
Lending by loan type in Kanawha County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 77.6% | 5,800 | $155K | 95% | 182 |
| Home improvement loans | 52.4% | 1,249 | $45K | 95% | 48 |
| Cash-out refinance | 65.4% | 1,382 | $115K | 96% | 90 |
| Refinance | 74.5% | 1,150 | $85K | 93% | 76 |
| Investment property purchase | 83.4% | 416 | $95K | 96% | 85 |
| Investment cash-out refinance | 63.4% | 131 | $85K | 95% | 39 |
| Investment refinance | 69.4% | 108 | $115K | 96% | 37 |
| Investment home improvement | 37.6% | 85 | $55K | 94% | 22 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.