Applications / Mortgage Analytics / Lenders / West Virginia / Clay County Bank
Clay, WV · State non-member bank · FDIC · $136 million assets · 82 loans in 2025
Clay County Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
82
loans originated, 2025
106
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Clay County Bank, a small West Virginia lender, makes small loans, more than a third of them for manufactured homes and three-quarters in poorer neighborhoods.
Its typical loan was $55,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans), among the lowest of the group. Manufactured homes made up 35.4% of its loans, against 2.6%, higher than nearly all similar banks. Purchases and refinances were about even.
75.6% of its loans were in low- and moderate-income (LMI) neighborhoods, against 18.5% at similar banks, higher than nearly all of them. 42.5% of its borrowers had LMI incomes, against 27.6%, higher than nearly nine in ten. None of its loans were in majority-minority areas; its lending lies in ten West Virginia counties, which may hold few such areas.
It made 82 loans, down 20% from 103, while similar banks grew by 9%; about nine in ten grew more. From 2018 to 2024 it made between 100 and 114 loans a year. In Charleston, its largest market, its share fell to 1.0% from 1.6%, ranking it 25 of 157 behind City National Bank of West Virginia. The figures do not say why; fewer applications in its counties or a change in the loans it chose to make could each account for it.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Clay County Bank took 106 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 40.2% · Refinance 39.0% · Other 12.2% · Home improvement 8.5%
Conventional 100.0% · of 82 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 | 82 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charleston | 65 |
| Beckley | 5 |
| Huntington-Ashland | 1 |
| Morgantown | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549003VO95NGF435U70 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 832528 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 32444 | 2004–2017 |
Established 4 June 1902. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Clay County Bank's data.
Clay County Bank's data
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