Bay Equity in West Virginia vs the state
0.0%Denial rate-21.19 pts vs state
0.0%Decision denial rate-26.66 pts vs state
71.4%Origination rate+16.64 pts vs state
6.88%Median rate+0.25 pts vs state
0.50Rate spread (pts)+0.10 pts vs state
$272kMedian applicant income
5Loans originated
0Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 2 | 40.0% | 7.44% | #303 |
| 2024 | 6 | 4 | 0.0% | 6.31% | #302 |
| 2025 | 7 | 5 | 0.0% | 6.88% | #278 |
What Bay Equity lends in West Virginia
By loan purpose
By loan type
Where in West Virginia
Counties with the most Bay Equity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Morgan County | 3 | 2 | 0 | 0.0% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
| Monongalia County | 1 | 1 | 0 | 0.0% |
| Berkeley County | 1 | 0 | 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: 7 applications in 2025, of which 5 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Bay Equity originated in West Virginia in 2025 was 6.88%, against a statewide median of 6.62%.
About this data. Figures are Bay Equity'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