Applications / Mortgage Analytics / Lenders / West Virginia / Capon Valley Bank
Wardensville, WV · State non-member bank · FDIC · $237 million assets · 83 loans in 2025
Capon Valley Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
83
loans originated, 2025
87
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Capon Valley Bank, a West Virginia bank, makes far more loans on manufactured homes than its peers, and more than two in five of its loans go to low- and moderate-income borrowers.
Manufactured homes made up 28.9% of its loans, against 2.6% at similar lenders (state non-member banks making between half and twice as many loans), higher than nearly all of them. Such homes often cost less, which may help explain a typical loan of $125,000, lower than peers' $175,000. Purchases were 65.1% of originations.
Some 41.0% of its loans went to low- and moderate-income (LMI) borrowers, against 27.7% at similar lenders, higher than nearly nine in ten. In 2020 the share was 27.6%. Cheaper manufactured homes may be part of the reason. None of its loans were in majority-minority neighborhoods, against 6.5% at peers; its lending centers on non-metro West Virginia, where such neighborhoods may be few.
Its originations edged up from 82 to 83 while similar lenders' rose 9%. The count was 140 in 2021. In Winchester its share fell 0.2 points to 0.3%, ranking 51 of 303. With so few loans, a market share moves easily.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Capon Valley Bank took 87 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 65.1% · Refinance 20.5% · Other 10.8% · Home improvement 3.6%
Conventional 100.0% · of 83 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 | 68 | 81.9% |
| Virginia | 15 | 18.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Winchester | 19 |
| Arlington-Alexandria-Reston | 5 |
| Hagerstown-Martinsburg | 3 |
| Morgantown | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900JEEAUO1ZDBXW22 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 18836 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 218836 | 2004–2015 |
| Respondent ID (the HMDA filer code before 2018) | 39998 | 2016–2017 |
Established 1 July 1918. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Capon Valley Bank's data.
Capon Valley Bank's data
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Capon Valley 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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