Patriot in West Virginia vs the state
30.0%Denial rate+8.81 pts vs state
31.2%Decision denial rate+4.51 pts vs state
65.0%Origination rate+10.21 pts vs state
4.99%Median rate-1.63 pts vs state
-2.20Rate spread (pts)-2.60 pts vs state
$117kMedian applicant income
52Loans originated
24Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 38 | 22 | 34.2% | 6.62% | #142 |
| 2024 | 61 | 35 | 34.4% | 6.49% | #116 |
| 2025 | 80 | 52 | 30.0% | 4.99% | #104 |
What Patriot lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Patriot applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berkeley County | 64 | 38 | 22 | 34.4% |
| Jefferson County | 9 | 7 | 2 | 22.2% |
| Morgan County | 6 | 6 | 0 | 0.0% |
| Hampshire 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: 80 applications in 2025, of which 52 were originated and 24 denied.
30.0% of all applications, or 31.2% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Patriot originated in West Virginia in 2025 was 4.99%, against a statewide median of 6.62%.
About this data. Figures are Patriot'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