WEPCO Federal Credit Union in West Virginia vs the state
13.9%Denial rate-7.30 pts vs state
17.9%Decision denial rate-8.80 pts vs state
63.9%Origination rate+9.10 pts vs state
—Median rate
—Rate spread (pts)
$70kMedian applicant income
23Loans originated
5Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 41 | 23 | 22.0% | — | #140 |
| 2024 | 53 | 27 | 18.9% | — | #126 |
| 2025 | 36 | 23 | 13.9% | — | #163 |
What WEPCO Federal Credit Union lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most WEPCO Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mineral County | 17 | 16 | 0 | 0.0% |
| Preston County | 3 | 3 | 0 | 0.0% |
| Tucker County | 1 | 1 | 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: 36 applications in 2025, of which 23 were originated and 5 denied.
13.9% of all applications, or 17.9% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are WEPCO Federal Credit Union'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