Credit Human Federal Credit Union in West Virginia vs the state
88.5%Denial rate+67.32 pts vs state
88.5%Decision denial rate+61.85 pts vs state
5.1%Origination rate-49.72 pts vs state
8.35%Median rate+1.73 pts vs state
2.24Rate spread (pts)+1.84 pts vs state
$64kMedian applicant income
34Loans originated
593Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 320 | 16 | 86.6% | 8.00% | #33 |
| 2024 | 571 | 19 | 90.2% | 8.60% | #20 |
| 2025 | 670 | 34 | 88.5% | 8.35% | #19 |
What Credit Human 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 Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kanawha County | 72 | 7 | 62 | 86.1% |
| Wayne County | 54 | 1 | 52 | 96.3% |
| Putnam County | 47 | 6 | 39 | 83.0% |
| Logan County | 43 | 2 | 39 | 90.7% |
| Cabell County | 42 | 3 | 38 | 90.5% |
| Mingo County | 41 | 0 | 38 | 92.7% |
| Lincoln County | 35 | 3 | 30 | 85.7% |
| Mason County | 34 | 2 | 29 | 85.3% |
| Boone County | 31 | 1 | 26 | 83.9% |
| Raleigh County | 27 | 2 | 24 | 88.9% |
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: 670 applications in 2025, of which 34 were originated and 593 denied.
88.5% of all applications, or 88.5% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Credit Human Federal Credit Union originated in West Virginia in 2025 was 8.35%, against a statewide median of 6.62%.
About this data. Figures are Credit Human 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