Apple Federal Credit Union in West Virginia vs the state
16.7%Denial rate-4.52 pts vs state
21.3%Decision denial rate-5.38 pts vs state
61.7%Origination rate+6.88 pts vs state
6.99%Median rate+0.37 pts vs state
0.30Rate spread (pts)-0.10 pts vs state
$116kMedian applicant income
37Loans originated
10Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 75 | 33 | 33.3% | 8.00% | #99 |
| 2024 | 87 | 46 | 27.6% | 8.00% | #94 |
| 2025 | 60 | 37 | 16.7% | 6.99% | #127 |
What Apple Federal Credit Union lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Apple Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berkeley County | 35 | 21 | 6 | 17.1% |
| Jefferson County | 15 | 9 | 2 | 13.3% |
| Hampshire County | 5 | 3 | 2 | 40.0% |
| Morgan County | 2 | 1 | 0 | 0.0% |
| Monongalia County | 1 | 1 | 0 | 0.0% |
| Ohio County | 1 | 1 | 0 | 0.0% |
| Hardy County | 1 | 1 | 0 | 0.0% |
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: 60 applications in 2025, of which 37 were originated and 10 denied.
16.7% of all applications, or 21.3% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Apple Federal Credit Union originated in West Virginia in 2025 was 6.99%, against a statewide median of 6.62%.
About this data. Figures are Apple Federal Credit Union'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