Farm Credit of the Virginias, ACA in West Virginia vs the state
23.8%Denial rate+2.62 pts vs state
29.4%Decision denial rate+2.75 pts vs state
54.8%Origination rate-0.03 pts vs state
7.98%Median rate+1.36 pts vs state
1.48Rate spread (pts)+1.08 pts vs state
$130kMedian applicant income
23Loans originated
10Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 37 | 13 | 37.8% | 8.75% | #143 |
| 2024 | 40 | 19 | 20.0% | 8.70% | #149 |
| 2025 | 42 | 23 | 23.8% | 7.98% | #147 |
What Farm Credit of the Virginias, ACA lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Farm Credit of the Virginias, ACA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 6 | 4 | 1 | 16.7% |
| Hardy County | 5 | 4 | 1 | 20.0% |
| Hampshire County | 4 | 2 | 1 | 25.0% |
| Grant County | 4 | 3 | 0 | 0.0% |
| Pendleton County | 3 | 0 | 2 | 66.7% |
| Mason County | 2 | 2 | 0 | 0.0% |
| Monongalia County | 2 | 2 | 0 | 0.0% |
| Greenbrier County | 2 | 1 | 1 | 50.0% |
| Preston County | 2 | 2 | 0 | 0.0% |
| Barbour County | 2 | 1 | 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: 42 applications in 2025, of which 23 were originated and 10 denied.
23.8% of all applications, or 29.4% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Farm Credit of the Virginias, ACA originated in West Virginia in 2025 was 7.98%, against a statewide median of 6.62%.
About this data. Figures are Farm Credit of the Virginias, ACA'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