Applications / Mortgage Analytics / Lenders / West Virginia / Jefferson Security Bank
Shepherdstown, WV · State non-member bank · FDIC · $562 million assets · 135 loans in 2025
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135
loans originated, 2025
186
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Jefferson Security Bank is a small West Virginia lender whose loans go to modest-income neighborhoods about twice as often as its peers'.
Low- and moderate-income (LMI) neighborhoods took 34.1% of its 135 loans, against 17.5% at similar lenders (state non-member banks making between half and twice as many loans), more than at nearly nine in ten of them. Its share to LMI borrowers, 28.0%, was near the middle. That suggests lending in modest-income areas rather than a lean toward low-income borrowers.
Manufactured homes made up 11.1% of its loans, against 3.1% at similar lenders, higher than at about four in five. Home improvement took 10.4%. Every loan was conventional, none backed by a government program.
In Hagerstown-Martinsburg, MD-WV it ranks 21 of 356 lenders, with 1.2% of the market against 1.3% a year earlier. It has lent there since 1994. In Winchester, VA-WV its share rose to 0.2%.
Its loans rose 6% to 135, a little slower than the 9% at similar lenders, and well below the 240 of 2022. Its typical loan grew to $245,000 from $205,000 five years earlier.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Jefferson Security Bank took 186 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 67.4% · Refinance 17.0% · Home improvement 10.4% · Other 5.2%
Conventional 100.0% · of 135 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 |
|---|---|---|
| West Virginia | 123 | 91.1% |
| Maryland | 6 | 4.4% |
| Virginia | 5 | 3.7% |
| North Carolina | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Hagerstown-Martinsburg | 90 |
| Arlington-Alexandria-Reston | 40 |
| Frederick-Gaithersburg-Bethesda | 2 |
| Charlotte-Concord-Gastonia | 1 |
| Winchester | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004HRO0EREBVYM82 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 786733 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39997 | 1994–2017 |
Established 19 May 1869. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Jefferson Security Bank's data.
Jefferson Security Bank's data
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