State Employees Credit Union of Maryland in West Virginia vs the state
24.1%Denial rate+2.88 pts vs state
28.9%Decision denial rate+2.23 pts vs state
55.6%Origination rate+0.77 pts vs state
6.00%Median rate-0.62 pts vs state
-0.22Rate spread (pts)-0.62 pts vs state
$88kMedian applicant income
30Loans originated
13Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 61 | 36 | 31.2% | 6.56% | #112 |
| 2024 | 55 | 34 | 18.2% | 8.13% | #125 |
| 2025 | 54 | 30 | 24.1% | 6.00% | #132 |
What State Employees Credit Union of Maryland lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most State Employees Credit Union of Maryland applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berkeley County | 27 | 16 | 7 | 25.9% |
| Mineral County | 8 | 5 | 3 | 37.5% |
| Jefferson County | 6 | 2 | 1 | 16.7% |
| Morgan County | 5 | 4 | 0 | 0.0% |
| Hampshire County | 4 | 3 | 1 | 25.0% |
| Preston County | 3 | 0 | 1 | 33.3% |
| Tucker County | 1 | 0 | 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: 54 applications in 2025, of which 30 were originated and 13 denied.
24.1% of all applications, or 28.9% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans State Employees Credit Union of Maryland originated in West Virginia in 2025 was 6.00%, against a statewide median of 6.62%.
About this data. Figures are State Employees Credit Union of Maryland'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