The Federal Savings Bank in West Virginia vs the state
6.9%Denial rate-14.34 pts vs state
12.5%Decision denial rate-14.16 pts vs state
48.0%Origination rate-6.84 pts vs state
6.63%Median rate0.00 pts vs state
0.33Rate spread (pts)-0.07 pts vs state
$84kMedian applicant income
70Loans originated
10Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 93 | 27 | 16.1% | 6.75% | #90 |
| 2024 | 102 | 31 | 12.8% | 6.25% | #87 |
| 2025 | 146 | 70 | 6.9% | 6.63% | #78 |
What The Federal Savings 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 The Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berkeley County | 28 | 16 | 0 | 0.0% |
| Jefferson County | 13 | 7 | 2 | 15.4% |
| Wood County | 11 | 6 | 0 | 0.0% |
| Raleigh County | 10 | 2 | 2 | 20.0% |
| Marion County | 7 | 3 | 1 | 14.3% |
| Kanawha County | 6 | 3 | 1 | 16.7% |
| Monongalia County | 6 | 3 | 0 | 0.0% |
| Putnam County | 5 | 3 | 0 | 0.0% |
| Harrison County | 5 | 2 | 0 | 0.0% |
| Fayette County | 4 | 2 | 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: 146 applications in 2025, of which 70 were originated and 10 denied.
6.9% of all applications, or 12.5% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans The Federal Savings Bank originated in West Virginia in 2025 was 6.63%, against a statewide median of 6.62%.
About this data. Figures are The Federal Savings 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