United Bank in West Virginia vs the state
22.8%Denial rate+1.59 pts vs state
26.5%Decision denial rate-0.21 pts vs state
61.5%Origination rate+6.69 pts vs state
6.90%Median rate+0.28 pts vs state
0.31Rate spread (pts)-0.09 pts vs state
$88kMedian applicant income
332Loans originated
123Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 584 | 378 | 23.1% | 7.25% | #16 |
| 2024 | 613 | 376 | 26.1% | 7.13% | #18 |
| 2025 | 540 | 332 | 22.8% | 6.90% | #22 |
What United 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 United Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monongalia County | 115 | 85 | 15 | 13.0% |
| Berkeley County | 67 | 40 | 15 | 22.4% |
| Kanawha County | 51 | 30 | 12 | 23.5% |
| Cabell County | 45 | 29 | 10 | 22.2% |
| Jefferson County | 43 | 26 | 10 | 23.3% |
| Wood County | 32 | 22 | 5 | 15.6% |
| Fayette County | 24 | 13 | 7 | 29.2% |
| Wayne County | 21 | 9 | 9 | 42.9% |
| Raleigh County | 19 | 11 | 4 | 21.1% |
| Ohio County | 12 | 4 | 4 | 33.3% |
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: 540 applications in 2025, of which 332 were originated and 123 denied.
22.8% of all applications, or 26.5% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans United Bank originated in West Virginia in 2025 was 6.90%, against a statewide median of 6.62%.
About this data. Figures are United 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