Bayer Heritage Credit Union in West Virginia vs the state
15.1%Denial rate-6.08 pts vs state
17.3%Decision denial rate-9.32 pts vs state
72.0%Origination rate+17.24 pts vs state
6.00%Median rate-0.62 pts vs state
-1.20Rate spread (pts)-1.60 pts vs state
$78kMedian applicant income
224Loans originated
47Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 276 | 208 | 15.2% | 5.75% | #39 |
| 2024 | 303 | 213 | 14.9% | 6.00% | #39 |
| 2025 | 311 | 224 | 15.1% | 6.00% | #42 |
What Bayer Heritage 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 Bayer Heritage Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marshall County | 114 | 85 | 12 | 10.5% |
| Wetzel County | 94 | 71 | 15 | 16.0% |
| Tyler County | 34 | 24 | 6 | 17.6% |
| Ohio County | 24 | 19 | 3 | 12.5% |
| Raleigh County | 8 | 5 | 1 | 12.5% |
| Berkeley County | 7 | 3 | 2 | 28.6% |
| Monongalia County | 5 | 4 | 1 | 20.0% |
| Wyoming County | 4 | 3 | 1 | 25.0% |
| Pleasants County | 3 | 2 | 1 | 33.3% |
| Brooke County | 3 | 1 | 1 | 33.3% |
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: 311 applications in 2025, of which 224 were originated and 47 denied.
15.1% of all applications, or 17.3% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Bayer Heritage Credit Union originated in West Virginia in 2025 was 6.00%, against a statewide median of 6.62%.
About this data. Figures are Bayer Heritage 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