First State Bank in West Virginia vs the state
20.0%Denial rate-1.19 pts vs state
33.3%Decision denial rate+6.67 pts vs state
40.0%Origination rate-14.79 pts vs state
10.61%Median rate+3.98 pts vs state
7.65Rate spread (pts)+7.25 pts vs state
$60kMedian applicant income
2Loans originated
1Denied
What First State 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 State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 2 | 1 | 0 | 0.0% |
| Mingo County | 2 | 0 | 1 | 50.0% |
| Cabell 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: 5 applications in 2025, of which 2 were originated and 1 denied.
20.0% of all applications, or 33.3% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans First State Bank originated in West Virginia in 2025 was 10.61%, against a statewide median of 6.62%.
About this data. Figures are First State 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