Bank of America in West Virginia vs the state
44.0%Denial rate+22.76 pts vs state
58.9%Decision denial rate+32.26 pts vs state
30.2%Origination rate-24.55 pts vs state
6.49%Median rate-0.13 pts vs state
1.28Rate spread (pts)+0.88 pts vs state
$112kMedian applicant income
75Loans originated
109Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 290 | 74 | 59.0% | 7.49% | #37 |
| 2024 | 225 | 60 | 50.7% | 6.99% | #48 |
| 2025 | 248 | 75 | 44.0% | 6.49% | #49 |
What Bank of America lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berkeley County | 51 | 15 | 24 | 47.1% |
| Jefferson County | 30 | 6 | 13 | 43.3% |
| Kanawha County | 19 | 8 | 5 | 26.3% |
| Monongalia County | 16 | 6 | 4 | 25.0% |
| Harrison County | 14 | 7 | 3 | 21.4% |
| Putnam County | 13 | 4 | 8 | 61.5% |
| Cabell County | 13 | 4 | 7 | 53.8% |
| Wood County | 12 | 6 | 5 | 41.7% |
| Hancock County | 7 | 1 | 5 | 71.4% |
| Fayette County | 7 | 0 | 7 | 100.0% |
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: 248 applications in 2025, of which 75 were originated and 109 denied.
44.0% of all applications, or 58.9% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Bank of America originated in West Virginia in 2025 was 6.49%, against a statewide median of 6.62%.
About this data. Figures are Bank of America'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