Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Monongalia County, West Virginia
Every institution that decided a 1–4 unit mortgage application in Monongalia County, home to Morgantown, between 2023 and 2025: 5,829 applications, 4,412 loans actually funded, across 8 kinds of borrowing.
Monongalia County at a glance
5,829Applications decided
2023–2025
4,412Loans funded
76% of decisions
28Census tracts
6 ZIP codes
106,520People
ACS 2023
What the data shows
The typical purchase mortgage here is $255K.
Home improvement loans is the hardest money to get here: lenders approved 64% of 619 applications.
Lending by loan type in Monongalia County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 83.6% | 3,526 | $255K | 95% | 179 |
| Home improvement loans | 64.0% | 619 | $75K | 94% | 42 |
| Cash-out refinance | 70.1% | 559 | $115K | 95% | 60 |
| Refinance | 73.3% | 539 | $155K | 94% | 64 |
| Investment property purchase | 89.6% | 452 | $175K | 96% | 103 |
| Investment cash-out refinance | 75.0% | 48 | $145K | 100% | 30 |
| Investment refinance | 85.4% | 48 | $165K | 98% | 19 |
| Investment home improvement | 79.0% | 38 | $145K | 97% | 17 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.