Whitesville State Bank in West Virginia vs the state
25.4%Denial rate+4.25 pts vs state
27.4%Decision denial rate+0.70 pts vs state
64.9%Origination rate+10.12 pts vs state
—Median rate
—Rate spread (pts)
$75kMedian applicant income
74Loans originated
29Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 109 | 60 | 27.5% | — | #83 |
| 2024 | 102 | 55 | 26.5% | — | #89 |
| 2025 | 114 | 74 | 25.4% | — | #91 |
What Whitesville State Bank lends in West Virginia
By loan purpose
By loan type
Where in West Virginia
Counties with the most Whitesville State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Raleigh County | 52 | 36 | 10 | 19.2% |
| Boone County | 29 | 21 | 7 | 24.1% |
| Kanawha County | 14 | 7 | 5 | 35.7% |
| Wyoming County | 12 | 7 | 5 | 41.7% |
| Fayette County | 3 | 2 | 0 | 0.0% |
| Summers County | 2 | 0 | 1 | 50.0% |
| Lincoln County | 1 | 1 | 0 | 0.0% |
| Nicholas County | 1 | 0 | 1 | 100.0% |
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: 114 applications in 2025, of which 74 were originated and 29 denied.
25.4% of all applications, or 27.4% 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 Whitesville State 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