Lenders › Truist Bank › West Virginia
Truist Bank in West Virginia
HMDA record for properties in West Virginia, calendar year 2024. National record · West Virginia overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In West Virginia, Truist Bank reported 1,669 applications and 848 originations for 2024, $120m in all.
Its denial rate in the state was 38.4%, above the West Virginia rate of 28.3% across all lenders and compared with the lender's national rate of 46.3%.
The median rate spread on its West Virginia originations was 0.6 percentage points (state median 0.4).
Applications in the state were down 16% on 2023.
Compared with the state and the lender's national record
| Measure | In West Virginia | West Virginia, all lenders | Truist Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 38.4% | 28.3% | 46.3% | 24.3% |
| Median rate spread, pp | 0.6 | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 29.4% | 15.8% | 24.6% | 15.6% |
| Average originated loan | $141k | $195k | $273k | $329k |
| Home purchase share | 43.9% | 61.4% | 36.3% | 57.0% |
| FHA-insured share | 6.0% | 17.5% | 2.5% | 13.4% |
| VA-guaranteed share | 2.1% | 9.4% | 1.5% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateWest Virginia, all lenders
Loan purpose and loan type in West Virginia
By purpose
Home purchase 44% (372)Home improvement 12% (105)Refinancing 17% (142)Cash-out refinancing 7% (57)Other purpose 20% (172)
By type
Conventional 90% (759)FHA 6% (51)VA 2% (18)USDA 2% (20)
Denial reasons as coded
Share of 545 denials in West Virginia by first denial reason coded (outlined bar: all lenders in the state).
Counties in West Virginia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Kanawha County | 193 | 96 | $12m | 37.6% |
| Berkeley County | 155 | 63 | $9.9m | 49.3% |
| Raleigh County | 108 | 61 | $10m | 29.1% |
| Harrison County | 84 | 61 | $7.7m | 21.8% |
| Monongalia County | 108 | 57 | $11m | 37.2% |
| Jefferson County | 105 | 52 | $8.8m | 47.0% |
| Ohio County | 75 | 44 | $7.2m | 18.2% |
| Marshall County | 67 | 41 | $4.8m | 27.1% |
| Mercer County | 90 | 37 | $4.4m | 47.9% |
| Putnam County | 51 | 33 | $4.7m | 28.3% |
| Fayette County | 46 | 26 | $4.0m | 33.3% |
| Cabell County | 50 | 25 | $2.8m | 40.5% |
| Nicholas County | 49 | 25 | $2.9m | 37.5% |
| Marion County | 49 | 25 | $3.3m | 42.2% |
| Greenbrier County | 38 | 23 | $4.2m | 29.4% |
| Preston County | 42 | 20 | $2.5m | 36.4% |
| Jackson County | 40 | 20 | $2.5m | 41.2% |
| Mingo County | 32 | 14 | $1.4m | 44.0% |
| Wood County | 39 | 12 | $1.6m | 67.6% |
| Boone County | 29 | 12 | $1.1m | — |
| Morgan County | 28 | 12 | $2.1m | — |
| Wayne County | 27 | 9 | $975k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Truist Bank originate in West Virginia in 2024?
848 loans totalling $120m, from 1,669 applications reported for properties in West Virginia.
What is Truist Bank's denial rate in West Virginia?
38.4% of decided applications in West Virginia were denied, against 28.3% for all lenders in the state and 46.3% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which West Virginia counties does Truist Bank lend in most?
By originations: Kanawha County (96), Berkeley County (63), Raleigh County (61), Harrison County (61), Monongalia County (57).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in West Virginia. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.