Navy Federal Credit Union in West Virginia vs the state
19.2%Denial rate-2.01 pts vs state
28.3%Decision denial rate+1.65 pts vs state
47.7%Origination rate-7.08 pts vs state
7.00%Median rate+0.38 pts vs state
0.36Rate spread (pts)-0.04 pts vs state
$110kMedian applicant income
500Loans originated
201Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 850 | 376 | 28.2% | 7.41% | #12 |
| 2024 | 1,008 | 527 | 16.7% | 7.25% | #11 |
| 2025 | 1,048 | 500 | 19.2% | 7.00% | #11 |
What Navy Federal Credit Union lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Navy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berkeley County | 337 | 189 | 59 | 17.5% |
| Jefferson County | 189 | 89 | 38 | 20.1% |
| Hampshire County | 54 | 28 | 12 | 22.2% |
| Kanawha County | 43 | 18 | 12 | 27.9% |
| Monongalia County | 42 | 15 | 7 | 16.7% |
| Morgan County | 41 | 17 | 8 | 19.5% |
| Wood County | 27 | 14 | 5 | 18.5% |
| Raleigh County | 26 | 12 | 4 | 15.4% |
| Harrison County | 22 | 11 | 3 | 13.6% |
| Cabell County | 21 | 9 | 2 | 9.5% |
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: 1,048 applications in 2025, of which 500 were originated and 201 denied.
19.2% of all applications, or 28.3% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Navy Federal Credit Union originated in West Virginia in 2025 was 7.00%, against a statewide median of 6.62%.
About this data. Figures are Navy Federal Credit Union'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