Whitesville State Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
10th27.1% deniedProcesswithdrawn + incomplete share, weight 15%
72nd7.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 112 | 61 | 26.8% | 31.3% | — | $5.6M |
| 2024 | 103 | 56 | 26.2% | 30.7% | — | $5.3M |
| 2025 | 115 | 75 | 25.2% | 27.1% | — | $8.5M |
What Whitesville State Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 40 manufactured homes, 9 investment properties.
Who gets approved at Whitesville State Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 32 | 21 | 27.6% |
| $50k – $100k | 37 | 23 | 33.3% |
| $100k – $150k | 28 | 17 | 24.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 30 | 17 | 34.5% |
| 45–54 | 21 | 14 | 22.2% |
Where Whitesville State Bank lends
2 states and 9 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| West Virginia | 114 | 74 | 25.4% | — | #91 |
Frequently asked questions
Whitesville State Bank denied 27.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 10th percentile of small mortgage lenders.
In 2025, 58% of its applications were for home purchases, 22% for refinancing (including cash-out), and 20% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.