Gaining in Huntington-Ashland
It held 3.1% of the Huntington-Ashland market, up 0.5 points, and ranked 10 of 237 lenders. It has lent there since at least 1990. City National Bank of West Virginia leads, with Rocket Mortgage second.
Applications / Mortgage Analytics / Lenders / West Virginia / Putnam County Bank
Putnam County Bank
Hurricane, WV · State member bank · FRS · $651 million assets · 156 loans in 2025
Putnam County Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
156
loans originated, 2025
205
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Putnam County Bank, a West Virginia bank, gained share in Huntington-Ashland, its largest market, where it ranks 10 of 237 lenders, and made 23% more loans in 2025.
Faster growth than most similar banks
Its loans rose 23%, against 8% at similar lenders (state member banks making between half and twice as many loans) and 10% in the whole market; that was faster than at about three in four peers. Its dollar lending rose to $50.5 million from $39.0 million. The count is still below the 237 loans of 2022.
Bigger loans, more manufactured homes
Purchases made up 55.1% of its loans and refinances 35.3%. Manufactured homes were 6.4%, against 2.3% at peers, more than at about three in four. Its typical loan, $205,000, was larger than the peers' $175,000.
Small steps beyond West Virginia
It lends in 5 states and 8 metros. In 2025 it entered North Port-Bradenton-Sarasota, FL and Florence, SC, where its shares are still small.
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
156 loans in 2025, against a peak of 237 in 2022.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Putnam County Bank took 205 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
55.1% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 55.1% · Refinance 35.3% · Other 8.3% · Home improvement 1.3%
Conventional 100.0% · of 156 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
5 states, 8 metros, 17 counties
| State | Loans | Share |
|---|---|---|
| West Virginia | 148 | 94.9% |
| South Carolina | 5 | 3.2% |
| Florida | 1 | 0.6% |
| North Carolina | 1 | 0.6% |
| Virginia | 1 | 0.6% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Huntington-Ashland | 108 |
| Charleston | 28 |
| Myrtle Beach-Conway-North Myrtle Beach | 3 |
| Beckley | 1 |
| Charlotte-Concord-Gastonia | 1 |
| Florence | 1 |
| Morgantown | 1 |
| North Port-Bradenton-Sarasota | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900SRX8H2BWRMDQ91 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 417626 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2417626 | 1990–2017 |
Established 11 October 1901. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Putnam County Bank's data.
The data and the software behind these pages
Putnam County Bank's data
$215
Putnam County 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.
Buy Putnam County Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]