U.S. Bank in West Virginia vs the state
31.1%Denial rate+9.91 pts vs state
36.5%Decision denial rate+9.86 pts vs state
54.1%Origination rate-0.72 pts vs state
6.63%Median rate0.00 pts vs state
0.30Rate spread (pts)-0.10 pts vs state
$90kMedian applicant income
186Loans originated
107Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 370 | 162 | 36.5% | 6.75% | #28 |
| 2024 | 342 | 155 | 36.3% | 6.88% | #34 |
| 2025 | 344 | 186 | 31.1% | 6.63% | #34 |
What U.S. 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 U.S. Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monongalia County | 59 | 40 | 11 | 18.6% |
| Greenbrier County | 31 | 23 | 5 | 16.1% |
| Berkeley County | 30 | 13 | 12 | 40.0% |
| Raleigh County | 27 | 17 | 7 | 25.9% |
| Jefferson County | 18 | 8 | 2 | 11.1% |
| Kanawha County | 17 | 6 | 6 | 35.3% |
| Cabell County | 16 | 8 | 7 | 43.8% |
| Wood County | 13 | 7 | 4 | 30.8% |
| Preston County | 11 | 6 | 5 | 45.5% |
| Marion County | 11 | 6 | 4 | 36.4% |
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: 344 applications in 2025, of which 186 were originated and 107 denied.
31.1% of all applications, or 36.5% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans U.S. Bank originated in West Virginia in 2025 was 6.63%, against a statewide median of 6.62%.
About this data. Figures are U.S. 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