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WesBanco Bank, Inc.
Bank|Wheeling, WV|Multi-Region
Loans Originated
1,586
Applications
2,391
Volume
$559 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Jumbo Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.136%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,621
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
66.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Report Card
WesBanco Bank, Inc. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Multi-Regional · 20 metro areas · 17 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$352,509
Average Borrower Income
$168,393
Average Property Value
$445,315
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Exceptional | Sound | Strong | 1,058 | 66.7% | +0.136% | $1,778 |
FHA Loans | Strong | Strong | Strong | Strong | 315 | 19.9% | +0.280% | $1,794 |
VA Loans | Strong | Strong | Strong | Sound | 67 | 4.2% | -0.418% | $781 |
Jumbo Loans | Strong | Exceptional | Strong | Strong | 128 | 8.1% | +0.021% | -$614 |
USDA Loans | Sound | Strong | N/A | Sound | 18 | 1.1% | +0.136% | $2,055 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Sound | Strong | 1,392 | 87.8% | +0.133% | $1,649 |
Refinance | Sound | Sound | Strong | Acceptable | 194 | 12.2% | +0.154% | $1,463 |
Geographic Coverage
Metro Areas
19
States Served
17
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
CODCDEFLGAILINKYMDNCNYOHPASCTNVAWV
Top Metro Areas by Place Specialization Score
1
Wheeling, WV, WV-OHMSA
Volume: 148Mix: 9.33%
Place Specialization
Exceptional
2
Weirton, WV-OHMSA
Volume: 114Mix: 7.19%
Place Specialization
Exceptional
3
Charleston, WV, WVMSA
Volume: 67Mix: 4.22%
Place Specialization
Exceptional
4
Morgantown, WV, WVMSA
Volume: 49Mix: 3.09%
Place Specialization
Strong
5
HuntingtonMSA
Volume: 61Mix: 3.85%
Place Specialization
Strong
6
Columbus, OH, OHMSA
Volume: 111Mix: 7.00%
Place Specialization
Strong
7
Pittsburgh, PA, PAMSA
Volume: 93Mix: 5.86%
Place Specialization
Strong
8
Parkersburg, WVMSA
Volume: 36Mix: 2.27%
Place Specialization
Strong
9
Cincinnati, OHMSA
Volume: 95Mix: 5.99%
Place Specialization
Strong
10
Baltimore, MDMSA
Volume: 100Mix: 6.31%
Place Specialization
Strong
Showing 10 of 19 metro areas
Top States by Place Specialization Score
1
WVState
Volume: 565Mix: 35.62%
Place Specialization
Exceptional
2
OHState
Volume: 414Mix: 26.10%
Place Specialization
Strong
3
MDState
Volume: 205Mix: 12.93%
Place Specialization
Strong
4
KYState
Volume: 144Mix: 9.08%
Place Specialization
Strong
5
PAState
Volume: 108Mix: 6.81%
Place Specialization
Strong
6
VAState
Volume: 54Mix: 3.40%
Place Specialization
Sound
7
INState
Volume: 50Mix: 3.15%
Place Specialization
Sound
8
FLState
Volume: 13Mix: 0.82%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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