National Bankshares in West Virginia vs the state
15.4%Denial rate-5.81 pts vs state
15.4%Decision denial rate-11.28 pts vs state
61.5%Origination rate+6.75 pts vs state
—Median rate
—Rate spread (pts)
$78kMedian applicant income
8Loans originated
2Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 10 | 8 | 10.0% | — | #252 |
| 2025 | 13 | 8 | 15.4% | — | #230 |
What National Bankshares lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most National Bankshares applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mercer County | 8 | 5 | 1 | 12.5% |
| McDowell County | 2 | 0 | 1 | 50.0% |
| Monroe County | 1 | 1 | 0 | 0.0% |
| Summers County | 1 | 1 | 0 | 0.0% |
| Monongalia 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: 13 applications in 2025, of which 8 were originated and 2 denied.
15.4% of all applications, or 15.4% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are National Bankshares'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