Gaining in Wheeling
It held 12.2% of Wheeling's lending, up from 8.7%, second only to WesBanco Bank. In Weirton-Steubenville it ranked 13 of 149 with 1.5%. It has lent in both markets since at least 1990.
Applications / Mortgage Analytics / Lenders / Ohio / Belmont Savings Bank
Belmont Savings Bank
Bellaire, OH · State non-member bank · FDIC · $583 million assets · 247 loans in 2025
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247
loans originated, 2025
327
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Belmont Savings Bank is the second-largest mortgage lender in Wheeling, OH-WV, ranked 2 of 145, and its share there rose 3.5 points in 2025.
Growing fast
Its loans rose 34% to 247. Similar lenders (state non-member banks making between half and twice as many loans) grew 9%, and Belmont grew faster than nearly nine in ten of them. It made 45 loans in 2018.
Modest purchase loans
Purchases made up 65.6% of its loans, all conventional. Its typical loan was $145,000, against $175,000 at similar lenders, and it made no jumbo loans (larger than the conforming limit).
Near peers on poorer borrowers
Borrowers with low or moderate incomes (LMI) took 27.2% of its loans, against 28.4% at similar lenders. Poorer neighborhoods took 15.8%, up from 5.5% in 2020. It reported no rates for 2025, so its prices cannot be compared. Which lenders gave up the Wheeling share it won is an open question.
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
247 loans in 2025, against a peak of 257 in 2023.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Belmont Savings Bank took 327 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
65.6% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 65.6% · Refinance 21.5% · Home improvement 7.3% · Other 5.7%
Conventional 100.0% · of 247 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
4 states, 6 metros, 15 counties
| State | Loans | Share |
|---|---|---|
| Ohio | 162 | 65.6% |
| West Virginia | 83 | 33.6% |
| New York | 1 | 0.4% |
| Pennsylvania | 1 | 0.4% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Wheeling | 208 |
| Weirton-Steubenville | 22 |
| Canton-Massillon | 1 |
| Columbus | 1 |
| New York-Jersey City-White Plains | 1 |
| Pittsburgh | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002LFCYKY0EGSQ80 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 72678 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 41411 | 1990–1992 |
| Respondent ID (the HMDA filer code before 2018) | 328348 | 1993–2017 |
Established 1 January 1886. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Belmont Savings Bank's data.
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