1st Signature Lending in West Virginia vs the state
14.3%Denial rate-6.90 pts vs state
25.0%Decision denial rate-1.66 pts vs state
42.9%Origination rate-11.93 pts vs state
5.88%Median rate-0.75 pts vs state
0.09Rate spread (pts)-0.32 pts vs state
$90kMedian applicant income
3Loans originated
1Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 5 | 7.7% | 6.75% | #217 |
| 2024 | 15 | 11 | 6.7% | 6.50% | #219 |
| 2025 | 7 | 3 | 14.3% | 5.88% | #292 |
What 1st Signature Lending lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Other large lenders in West Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 3,615 | 23.0% | 6.88% |
| Vanderbilt Mortgage and Finance | F | 3,214 | 38.5% | 9.99% |
| City National Bank of West Virginia | C | 2,870 | 25.0% | 6.29% |
| The Huntington National Bank | D | 2,194 | 28.1% | 7.00% |
| Truist Bank | C | 1,776 | 31.1% | 6.63% |
| Loandepot.Com | D | 1,624 | 18.7% | 6.58% |
| Mortgage Research Center | C | 1,592 | 17.4% | 6.25% |
| WesBanco Bank | B | 1,475 | 16.7% | 6.01% |
| Movement Mortgage | A | 1,167 | 5.4% | 6.63% |
| Crosscountry Mortgage | B | 1,140 | 4.0% | 6.58% |
Frequently asked questions
West Virginia: 7 applications in 2025, of which 3 were originated and 1 denied.
14.3% of all applications, or 25.0% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans 1st Signature Lending originated in West Virginia in 2025 was 5.88%, against a statewide median of 6.62%.
About this data. Figures are 1st Signature Lending's own HMDA filing for properties located in West Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology