Luminate Bank in West Virginia vs the state
0.0%Denial rate-21.19 pts vs state
0.0%Decision denial rate-26.66 pts vs state
73.7%Origination rate+18.89 pts vs state
7.06%Median rate+0.44 pts vs state
0.19Rate spread (pts)-0.21 pts vs state
$150kMedian applicant income
14Loans originated
0Denied
What Luminate Bank lends in West Virginia
By loan purpose
By loan type
Where in West Virginia
Counties with the most Luminate Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berkeley County | 11 | 7 | 0 | 0.0% |
| Jefferson County | 5 | 4 | 0 | 0.0% |
| Hampshire County | 1 | 1 | 0 | 0.0% |
| Morgan County | 1 | 1 | 0 | 0.0% |
| 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: 19 applications in 2025, of which 14 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Luminate Bank originated in West Virginia in 2025 was 7.06%, against a statewide median of 6.62%.
About this data. Figures are Luminate 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