USAA Federal Savings Bank in West Virginia vs the state
23.5%Denial rate+2.31 pts vs state
33.6%Decision denial rate+6.91 pts vs state
45.5%Origination rate-9.29 pts vs state
6.38%Median rate-0.25 pts vs state
-0.11Rate spread (pts)-0.51 pts vs state
$120kMedian applicant income
91Loans originated
47Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 203 | 99 | 23.2% | 6.25% | #50 |
| 2024 | 239 | 113 | 24.3% | 6.50% | #46 |
| 2025 | 200 | 91 | 23.5% | 6.38% | #59 |
What USAA 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 USAA Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kanawha County | 20 | 9 | 4 | 20.0% |
| Jefferson County | 19 | 11 | 3 | 15.8% |
| Berkeley County | 19 | 10 | 5 | 26.3% |
| Raleigh County | 12 | 6 | 2 | 16.7% |
| Harrison County | 11 | 6 | 2 | 18.2% |
| Monongalia County | 10 | 2 | 5 | 50.0% |
| Marion County | 9 | 1 | 4 | 44.4% |
| Hampshire County | 9 | 4 | 0 | 0.0% |
| Morgan County | 8 | 4 | 2 | 25.0% |
| Cabell County | 7 | 3 | 2 | 28.6% |
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: 200 applications in 2025, of which 91 were originated and 47 denied.
23.5% of all applications, or 33.6% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans USAA Federal Savings Bank originated in West Virginia in 2025 was 6.38%, against a statewide median of 6.62%.
About this data. Figures are USAA 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