Discover Bank in West Virginia vs the state
54.7%Denial rate+33.52 pts vs state
78.8%Decision denial rate+52.15 pts vs state
14.7%Origination rate-40.08 pts vs state
8.93%Median rate+2.31 pts vs state
2.43Rate spread (pts)+2.03 pts vs state
$94kMedian applicant income
50Loans originated
186Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,114 | 127 | 54.1% | 9.99% | #8 |
| 2024 | 1,080 | 158 | 55.7% | 9.20% | #10 |
| 2025 | 340 | 50 | 54.7% | 8.93% | #37 |
What Discover Bank lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Discover Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berkeley County | 49 | 12 | 18 | 36.7% |
| Kanawha County | 34 | 6 | 18 | 52.9% |
| Jefferson County | 27 | 8 | 10 | 37.0% |
| Monongalia County | 24 | 4 | 11 | 45.8% |
| Cabell County | 20 | 2 | 11 | 55.0% |
| Raleigh County | 16 | 3 | 8 | 50.0% |
| Harrison County | 15 | 1 | 13 | 86.7% |
| Marion County | 12 | 0 | 9 | 75.0% |
| Wood County | 11 | 1 | 8 | 72.7% |
| Putnam County | 10 | 1 | 5 | 50.0% |
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: 340 applications in 2025, of which 50 were originated and 186 denied.
54.7% of all applications, or 78.8% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Discover Bank originated in West Virginia in 2025 was 8.93%, against a statewide median of 6.62%.
About this data. Figures are Discover Bank'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