First Exchange Bank in West Virginia vs the state
28.4%Denial rate+7.18 pts vs state
35.5%Decision denial rate+8.81 pts vs state
45.6%Origination rate-9.21 pts vs state
—Median rate
—Rate spread (pts)
$84kMedian applicant income
98Loans originated
61Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 289 | 187 | 15.2% | 5.75% | #38 |
| 2024 | 170 | 87 | 22.9% | — | #57 |
| 2025 | 215 | 98 | 28.4% | — | #55 |
What First Exchange Bank lends in West Virginia
By loan purpose
By loan type
Where in West Virginia
Counties with the most First Exchange Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 78 | 32 | 24 | 30.8% |
| Monongalia County | 39 | 23 | 9 | 23.1% |
| Harrison County | 33 | 15 | 10 | 30.3% |
| Taylor County | 13 | 6 | 3 | 23.1% |
| Wetzel County | 11 | 8 | 1 | 9.1% |
| Preston County | 8 | 3 | 2 | 25.0% |
| Lewis County | 7 | 2 | 3 | 42.9% |
| Upshur County | 6 | 3 | 3 | 50.0% |
| Marshall County | 5 | 1 | 2 | 40.0% |
| Doddridge County | 3 | 2 | 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: 215 applications in 2025, of which 98 were originated and 61 denied.
28.4% of all applications, or 35.5% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First Exchange 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