PNC Bank in West Virginia vs the state
21.6%Denial rate+0.42 pts vs state
26.9%Decision denial rate+0.22 pts vs state
58.3%Origination rate+3.50 pts vs state
6.88%Median rate+0.25 pts vs state
0.17Rate spread (pts)-0.23 pts vs state
$107kMedian applicant income
232Loans originated
86Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 424 | 238 | 21.0% | 7.96% | #23 |
| 2024 | 399 | 216 | 21.3% | 7.50% | #26 |
| 2025 | 398 | 232 | 21.6% | 6.88% | #31 |
What PNC 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 PNC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monongalia County | 127 | 89 | 13 | 10.2% |
| Berkeley County | 56 | 28 | 14 | 25.0% |
| Jefferson County | 38 | 26 | 6 | 15.8% |
| Kanawha County | 20 | 9 | 4 | 20.0% |
| Ohio County | 15 | 11 | 4 | 26.7% |
| Marion County | 14 | 9 | 2 | 14.3% |
| Hancock County | 12 | 7 | 4 | 33.3% |
| Cabell County | 12 | 2 | 4 | 33.3% |
| Preston County | 10 | 7 | 0 | 0.0% |
| Harrison County | 10 | 7 | 2 | 20.0% |
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: 398 applications in 2025, of which 232 were originated and 86 denied.
21.6% of all applications, or 26.9% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans PNC Bank originated in West Virginia in 2025 was 6.88%, against a statewide median of 6.62%.
About this data. Figures are PNC 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