United Shore Financial Services in West Virginia vs the state
13.1%Denial rate-8.12 pts vs state
15.1%Decision denial rate-11.59 pts vs state
71.1%Origination rate+16.34 pts vs state
6.25%Median rate-0.37 pts vs state
0.23Rate spread (pts)-0.17 pts vs state
$85kMedian applicant income
675Loans originated
124Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 413 | 354 | 5.6% | 6.63% | #24 |
| 2024 | 754 | 572 | 8.8% | 6.50% | #15 |
| 2025 | 949 | 675 | 13.1% | 6.25% | #13 |
What United Shore Financial Services 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 Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berkeley County | 203 | 151 | 27 | 13.3% |
| Jefferson County | 96 | 73 | 14 | 14.6% |
| Monongalia County | 81 | 63 | 5 | 6.2% |
| Kanawha County | 78 | 62 | 9 | 11.5% |
| Putnam County | 62 | 50 | 7 | 11.3% |
| Marion County | 53 | 31 | 9 | 17.0% |
| Harrison County | 32 | 23 | 3 | 9.4% |
| Morgan County | 26 | 20 | 4 | 15.4% |
| Wood County | 25 | 18 | 5 | 20.0% |
| Cabell County | 25 | 19 | 2 | 8.0% |
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: 949 applications in 2025, of which 675 were originated and 124 denied.
13.1% of all applications, or 15.1% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans United Shore Financial Services originated in West Virginia in 2025 was 6.25%, against a statewide median of 6.62%.
About this data. Figures are United Shore Financial Services'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