First Reliance Bank in West Virginia vs the state
30.2%Denial rate+9.04 pts vs state
36.1%Decision denial rate+9.45 pts vs state
53.5%Origination rate-1.30 pts vs state
6.38%Median rate-0.25 pts vs state
0.46Rate spread (pts)+0.06 pts vs state
$82kMedian applicant income
23Loans originated
13Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16 | 13 | 6.3% | 6.50% | #197 |
| 2024 | 33 | 25 | 15.2% | 6.38% | #163 |
| 2025 | 43 | 23 | 30.2% | 6.38% | #144 |
What First Reliance 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 First Reliance Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Nicholas County | 10 | 2 | 4 | 40.0% |
| Raleigh County | 8 | 4 | 3 | 37.5% |
| Upshur County | 7 | 4 | 3 | 42.9% |
| Mercer County | 5 | 2 | 1 | 20.0% |
| Wyoming County | 2 | 2 | 0 | 0.0% |
| Fayette County | 2 | 2 | 0 | 0.0% |
| Randolph County | 2 | 1 | 1 | 50.0% |
| Taylor County | 1 | 1 | 0 | 0.0% |
| Logan County | 1 | 1 | 0 | 0.0% |
| Marion County | 1 | 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: 43 applications in 2025, of which 23 were originated and 13 denied.
30.2% of all applications, or 36.1% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans First Reliance Bank originated in West Virginia in 2025 was 6.38%, against a statewide median of 6.62%.
About this data. Figures are First Reliance 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