Pendleton Community Bank in West Virginia vs the state
15.5%Denial rate-5.65 pts vs state
15.5%Decision denial rate-11.12 pts vs state
83.1%Origination rate+28.32 pts vs state
—Median rate
0.13Rate spread (pts)-0.27 pts vs state
$88kMedian applicant income
123Loans originated
23Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 161 | 124 | 14.9% | — | #64 |
| 2024 | 141 | 110 | 13.5% | — | #67 |
| 2025 | 148 | 123 | 15.5% | — | #77 |
What Pendleton Community Bank lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Pendleton Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Raleigh County | 28 | 25 | 3 | 10.7% |
| Hardy County | 26 | 18 | 8 | 30.8% |
| Fayette County | 23 | 18 | 5 | 21.7% |
| Pendleton County | 21 | 17 | 3 | 14.3% |
| Grant County | 19 | 16 | 3 | 15.8% |
| Pocahontas County | 17 | 17 | 0 | 0.0% |
| Hampshire County | 4 | 4 | 0 | 0.0% |
| Nicholas County | 4 | 4 | 0 | 0.0% |
| Monongalia County | 2 | 2 | 0 | 0.0% |
| Kanawha County | 2 | 1 | 1 | 50.0% |
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: 148 applications in 2025, of which 123 were originated and 23 denied.
15.5% of all applications, or 15.5% 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 Pendleton Community 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