Applications / Mortgage Analytics / Lenders / West Virginia / WesBanco Bank
Wheeling, WV · State non-member bank · FDIC · $27.6 billion assets · 6,248 loans in 2025
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6,248
loans originated, 2025
9,375
applications, 2025
27
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
WesBanco Bank grew 41% in 2025, faster than about nine in ten similar lenders, in a year in which it merged with Premier Bank.
Originations rose to 6,248 from 4,430, a rise of 41%, against 13% for similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market. Its 2025 merger with Premier Bank, whose filings count as its own in the competition figures, may explain part of the rise.
Its typical loan was $155,000 against $250,000, smaller than about four in five peers, and 25.4% of its loans were for home improvement. Its middle rate was 6.25% against 6.62%, and 0.4% of its loans were higher-priced (a rate well above the average for similar loans), against 2.2%; both were lower than more than eight in ten peers.
It ranks 9 of 592 lenders in non-metro Ohio. Its shares in LMI (low- and moderate-income) areas, 12.1%, and majority-minority areas, 5.1%, were lower than at most similar lenders, against 17.2% and 15.3%, while its 29.5% to LMI borrowers was near the middle. Markets with fewer such areas may explain the gap.
Its share rose in Pittsburgh, to 1.3% from 1.0%, and fell in Columbus, to 1.3% from 1.8%, where it has lent since before 1990. The fall could reflect stronger competition or a shift of effort to newer markets.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. WesBanco Bank took 9,375 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 39.3% · Home improvement 25.4% · Other 18.4% · Refinance 16.9%
Conventional 92.3% · FHA 5.8% · VA 1.1% · USDA (RHS or FSA) 0.7% · of 6,248 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 3,020 | 48.3% |
| West Virginia | 956 | 15.3% |
| Pennsylvania | 657 | 10.5% |
| Kentucky | 645 | 10.3% |
| Maryland | 400 | 6.4% |
| Indiana | 241 | 3.9% |
| Michigan | 120 | 1.9% |
| Virginia | 105 | 1.7% |
| Florida | 30 | 0.5% |
| Tennessee | 22 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsburgh | 629 |
| Columbus | 447 |
| Cincinnati | 376 |
| Youngstown-Warren | 335 |
| Wheeling | 312 |
| Louisville/Jefferson County | 254 |
| Toledo | 248 |
| Baltimore-Columbia-Towson | 171 |
| Lexington-Fayette | 169 |
| Cleveland | 143 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | QGPGHQ1ENZOOLJRFTH41 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 645625 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2645625 | 1990–2007 |
| Respondent ID (the HMDA filer code before 2018) | 3803 | 2008–2017 |
Established 20 January 1870. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: WesBanco Bank's data.
WesBanco Bank's data
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WesBanco Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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