First National Bank of Pennsylvania in West Virginia vs the state
25.4%Denial rate+4.19 pts vs state
28.7%Decision denial rate+2.04 pts vs state
63.1%Origination rate+8.29 pts vs state
6.49%Median rate-0.13 pts vs state
0.08Rate spread (pts)-0.32 pts vs state
$90kMedian applicant income
82Loans originated
33Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 200 | 144 | 19.5% | 6.63% | #52 |
| 2024 | 169 | 120 | 19.5% | 6.75% | #58 |
| 2025 | 130 | 82 | 25.4% | 6.49% | #84 |
What First National Bank of Pennsylvania 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 Pennsylvania applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Brooke County | 73 | 45 | 22 | 30.1% |
| Monongalia County | 15 | 11 | 1 | 6.7% |
| Hancock County | 11 | 7 | 3 | 27.3% |
| Jefferson County | 5 | 3 | 1 | 20.0% |
| Ohio County | 4 | 2 | 2 | 50.0% |
| Berkeley County | 4 | 2 | 1 | 25.0% |
| Cabell County | 3 | 3 | 0 | 0.0% |
| Morgan County | 3 | 3 | 0 | 0.0% |
| Monroe County | 2 | 0 | 0 | 0.0% |
| Wood 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: 130 applications in 2025, of which 82 were originated and 33 denied.
25.4% of all applications, or 28.7% 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 Pennsylvania originated in West Virginia in 2025 was 6.49%, against a statewide median of 6.62%.
About this data. Figures are First National Bank of Pennsylvania'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