Manufacturers and Traders Trust in West Virginia vs the state
39.2%Denial rate+17.99 pts vs state
41.6%Decision denial rate+14.95 pts vs state
53.8%Origination rate-0.99 pts vs state
5.99%Median rate-0.63 pts vs state
-1.20Rate spread (pts)-1.60 pts vs state
$80kMedian applicant income
92Loans originated
67Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 137 | 57 | 50.4% | 8.84% | #69 |
| 2024 | 136 | 68 | 42.7% | 8.22% | #70 |
| 2025 | 171 | 92 | 39.2% | 5.99% | #68 |
What Manufacturers and Traders Trust lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Manufacturers and Traders Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mineral County | 62 | 38 | 22 | 35.5% |
| Berkeley County | 41 | 28 | 11 | 26.8% |
| Morgan County | 17 | 7 | 6 | 35.3% |
| Jefferson County | 11 | 8 | 3 | 27.3% |
| Hampshire County | 6 | 3 | 3 | 50.0% |
| Kanawha County | 6 | 1 | 5 | 83.3% |
| Preston County | 4 | 2 | 2 | 50.0% |
| Hardy County | 3 | 0 | 3 | 100.0% |
| Grant County | 2 | 0 | 2 | 100.0% |
| Raleigh County | 2 | 0 | 2 | 100.0% |
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: 171 applications in 2025, of which 92 were originated and 67 denied.
39.2% of all applications, or 41.6% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Manufacturers and Traders Trust originated in West Virginia in 2025 was 5.99%, against a statewide median of 6.62%.
About this data. Figures are Manufacturers and Traders Trust'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