# WesBanco Bank, Inc.

> **Canonical URL:** https://saferate.com/lenders/wesbanco-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


WesBanco Bank, Inc. is a bank, headquartered in Wheeling, WV, serving borrowers across 17 states, with 1,586 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 42% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 30% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** QGPGHQ1ENZOOLJRFTH41
- **Headquarters:** Wheeling, WV
- **Geographic Reach:** Multi-Region
- **States Served:** 17
- **State List:** CO, DC, DE, FL, GA, IL, IN, KY, MD, NC, NY, OH, PA, SC, TN, VA, WV
- **Markets (MSAs):** 20
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.136%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,621
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,586
- **Dollar Volume:** $559 million
- **Applications Received:** 2,391
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $352,509
- **Average Borrower Income:** $168,393
- **Average Property Value:** $445,315

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (64%)
- ⭐ **Jumbo Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 81/100 | 1,058 | +0.136% | $1,778 | Exceptional 🤩 |
| FHA | 79/100 | 315 | +0.280% | $1,794 | Strong 😀 |
| VA | 67/100 | 67 | -0.418% | $781 | Strong 😀 |
| Jumbo | 82/100 | 128 | +0.021% | $-614 | Exceptional 🤩 |
| USDA | 74/100 | 18 | +0.136% | $2,055 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 921 loans, Score: 81/100 (Exceptional)
- Refinance: 137 loans, Score: 59/100 (Sound)

**FHA:**
- Purchase: 284 loans, Score: 79/100 (Strong)
- Refinance: 31 loans, Score: 72/100 (Strong)

**VA:**
- Purchase: 66 loans, Score: 68/100 (Strong)

**Jumbo:**
- Purchase: 103 loans, Score: 81/100 (Exceptional)
- Refinance: 25 loans, Score: 79/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 82/100 | 1,392 | $481M | +0.133% | Exceptional 🤩 |
| Refinance | 60/100 | 194 | $78M | +0.154% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WV | 565 | 3.65% | 97/100 |
| OH | 414 | 0.31% | 75/100 |
| MD | 205 | 0.29% | 71/100 |
| KY | 144 | 0.31% | 70/100 |
| PA | 108 | 0.09% | 62/100 |
| VA | 54 | 0.05% | 55/100 |
| IN | 50 | 0.05% | 53/100 |
| FL | 13 | 0.00% | 34/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 320 | 67/100 |
| Wheeling, WV | WV-OH | 148 | 100/100 |
| Weirton | WV-OH | 114 | 89/100 |
| Columbus, OH | OH | 111 | 70/100 |
| Baltimore | MD | 100 | 67/100 |
| Cincinnati, OH |  | 95 | 68/100 |
| Pittsburgh, PA | PA | 93 | 69/100 |
| Charleston, WV | WV | 67 | 83/100 |
| Washington, DC | DC-MD | 65 | 66/100 |
| Huntington |  | 61 | 71/100 |
| Louisville/Jefferson County, KY | KY-IN | 57 | 62/100 |
| Morgantown, WV | WV | 49 | 73/100 |
| Arlington | VA-WV | 42 | 55/100 |
| Lexington | KY | 39 | 62/100 |
| Parkersburg | WV | 36 | 69/100 |

## Where This Lender Ranks

WesBanco Bank, Inc. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Wheeling, WV for FHA Loans
  - [View Full Rankings](https://saferate.com/wheeling-wv/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Wheeling, WV for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/wheeling-wv/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Wheeling, WV for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/wheeling-wv/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Weirton for FHA Loans
  - [View Full Rankings](https://saferate.com/weirton/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Weirton for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/weirton/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Weirton for VA Loans
  - [View Full Rankings](https://saferate.com/weirton/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Weirton for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/weirton/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Charleston, WV for FHA Loans
  - [View Full Rankings](https://saferate.com/charleston-wv/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Charleston, WV for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/charleston-wv/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in West Virginia for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Wheeling, WV for VA Loans
  - [View Full Rankings](https://saferate.com/wheeling-wv/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Huntington for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/huntington/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Parkersburg for FHA Loans
  - [View Full Rankings](https://saferate.com/parkersburg/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Parkersburg for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/parkersburg/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Wheeling, WV
  - [View Full Rankings](https://saferate.com/wheeling-wv/best-mortgage-lenders)
- 🥉 **#3** in Wheeling, WV Banks
  - [View Full Rankings](https://saferate.com/wheeling-wv/best-mortgage-lenders/banks)
- 🥉 **#3** in Wheeling, WV for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/wheeling-wv/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Huntington for FHA Loans
  - [View Full Rankings](https://saferate.com/huntington/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Morgantown, WV for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/morgantown-wv/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Parkersburg Banks
  - [View Full Rankings](https://saferate.com/parkersburg/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does WesBanco Bank, Inc. offer?

WesBanco Bank, Inc. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does WesBanco Bank, Inc. offer mortgages?

WesBanco Bank, Inc. offers mortgages in 17 states: CO, DC, DE, FL, GA, IL, IN, KY, MD, NC, NY, OH, PA, SC, TN, VA, WV.

### How competitive are WesBanco Bank, Inc.'s mortgage rates?

WesBanco Bank, Inc. has a pricing score of 58/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.136% above market average.

### What type of lender is WesBanco Bank, Inc.?

WesBanco Bank, Inc. is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Wheeling, WV.

### What is WesBanco Bank, Inc.'s loan approval success rate?

WesBanco Bank, Inc. has a pull-through score of 70/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/wesbanco-bank

### How to Cite

> "WesBanco Bank, Inc. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/wesbanco-bank

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