First National Bank of America in West Virginia vs the state
27.3%Denial rate+6.08 pts vs state
42.9%Decision denial rate+16.20 pts vs state
36.4%Origination rate-18.43 pts vs state
9.23%Median rate+2.60 pts vs state
2.39Rate spread (pts)+1.99 pts vs state
$71kMedian applicant income
4Loans originated
3Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 1 | 54.6% | 12.25% | #232 |
| 2024 | 7 | 5 | 14.3% | 9.24% | #279 |
| 2025 | 11 | 4 | 27.3% | 9.23% | #241 |
What First National Bank of America lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most First National Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kanawha County | 3 | 1 | 1 | 33.3% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
| Wood County | 1 | 0 | 1 | 100.0% |
| Morgan County | 1 | 0 | 0 | 0.0% |
| Upshur County | 1 | 0 | 1 | 100.0% |
| Gilmer County | 1 | 0 | 0 | 0.0% |
| Mineral County | 1 | 1 | 0 | 0.0% |
| Mason County | 1 | 0 | 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: 11 applications in 2025, of which 4 were originated and 3 denied.
27.3% of all applications, or 42.9% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans First National Bank of America originated in West Virginia in 2025 was 9.23%, against a statewide median of 6.62%.
About this data. Figures are First National Bank of America'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