Presidential Bank in West Virginia vs the state
10.5%Denial rate-10.66 pts vs state
13.3%Decision denial rate-13.33 pts vs state
68.4%Origination rate+13.63 pts vs state
6.50%Median rate-0.12 pts vs state
0.46Rate spread (pts)+0.06 pts vs state
$108kMedian applicant income
13Loans originated
2Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 13 | 0.0% | 6.88% | #220 |
| 2024 | 20 | 18 | 5.0% | 6.93% | #195 |
| 2025 | 19 | 13 | 10.5% | 6.50% | #204 |
What Presidential 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 Presidential Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 9 | 6 | 0 | 0.0% |
| Berkeley County | 6 | 3 | 2 | 33.3% |
| Morgan County | 2 | 2 | 0 | 0.0% |
| Pendleton County | 1 | 1 | 0 | 0.0% |
| Harrison 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: 19 applications in 2025, of which 13 were originated and 2 denied.
10.5% of all applications, or 13.3% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Presidential Bank originated in West Virginia in 2025 was 6.50%, against a statewide median of 6.62%.
About this data. Figures are Presidential 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