Applications / Mortgage Analytics / Lenders / West Virginia / Potomac Bank
Charles Town, WV · State non-member bank · FDIC · $943 million assets · 187 loans in 2025
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187
loans originated, 2025
247
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Potomac Bank, a West Virginia lender renamed from Bank of Charles Town in 2025, is making bigger loans: its typical loan rose to $325,000 from $225,000 while its loan count barely moved.
It made 187 loans in 2025, 2% more than in 2024. The typical similar lender, a state non-member bank making between half and twice as many loans, grew 10%. Yet its dollar volume rose to $77.2 million from $62.7 million, and its typical loan was larger than at about nine in ten similar lenders.
Jumbo loans (larger than the conforming limit) made up 6.3% of its lending, against 1.4% at similar lenders. Every loan was conventional. Its largest market is Washington-Arlington-Alexandria, where it ranked 164 of 757 lenders.
Poorer neighborhoods (low- and moderate-income, or LMI, census tracts) received 28.9% of its loans, against 17.7% at similar lenders, more than at about four in five of them. That was down from 39.9% in 2024. It turned down 1.9% of decided first-lien home-purchase applications, against 6.5% at similar lenders.
In Hagerstown-Martinsburg its share fell to 0.6% from 0.8%, and it ranked 46 of 356 lenders; Rocket Mortgage leads. With its own loan count about flat, competitors may simply have grown faster. Or more of its lending may have gone to larger loans in other markets, such as Washington-Arlington-Alexandria.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Potomac Bank took 247 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 65.8% · Refinance 16.6% · Home improvement 12.3% · Other 5.3%
Conventional 100.0% · of 187 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 | 93 | 49.7% |
| Virginia | 74 | 39.6% |
| Maryland | 13 | 7.0% |
| North Carolina | 3 | 1.6% |
| Pennsylvania | 2 | 1.1% |
| Mississippi | 1 | 0.5% |
| South Carolina | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Arlington-Alexandria-Reston | 115 |
| Hagerstown-Martinsburg | 42 |
| Winchester | 8 |
| Frederick-Gaithersburg-Bethesda | 4 |
| Lynchburg | 2 |
| Richmond | 2 |
| Washington | 2 |
| Allentown-Bethlehem-Easton | 1 |
| Baltimore-Columbia-Towson | 1 |
| Chambersburg | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ODM8A5T4RHPY32 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1014125 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39023 | 1994–2017 |
Established 20 February 1870. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Potomac Bank's data.
Potomac Bank's data
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Potomac 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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