Applications / Mortgage Analytics / Lenders / West Virginia / FNB Bank
Romney, WV · State non-member bank · FDIC · $274 million assets · 60 loans in 2025
FNB Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
60
loans originated, 2025
72
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
FNB Bank is a small West Virginia lender whose loans go mostly to poorer neighborhoods, and in 2025 it grew faster than most banks its size.
Poorer neighborhoods (low- and moderate-income tracts) took 53.3% of its loans, against 18.5% at similar lenders, meaning state non-member banks making between half and twice as many loans. That share was higher than at almost all of them. Low- and moderate-income borrowers took 35.4%, against 26.9%.
Manufactured homes made up 13.3% of its loans, against 2.6% at similar lenders. Home improvement took 11.7% and other purposes 15.0%, with purchases at 58.3%. It may be a bank that finances small projects as well as house purchases.
Its loans rose 20%, from 50 to 60, while similar lenders grew 8% and the whole market 10%. That was faster than about two-thirds of similar lenders. On a base this small, a few loans make the difference.
It held 0.6% of Winchester, VA-WV lending, unchanged from 2024, and ranked 28th of 303 lenders. DHI Mortgage Company and Rocket Mortgage lead that market. The bank has reported there since 2004.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. FNB Bank took 72 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.3% · Other 15.0% · Refinance 15.0% · Home improvement 11.7%
Conventional 100.0% · of 60 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 | 52 | 86.7% |
| Virginia | 5 | 8.3% |
| Maryland | 2 | 3.3% |
| Louisiana | 1 | 1.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Winchester | 40 |
| Arlington-Alexandria-Reston | 1 |
| Charleston | 1 |
| Hagerstown-Martinsburg | 1 |
| New Orleans-Metairie | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900UEITST3NEK8Y27 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 969639 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 36794 | 2004–2017 |
Established 10 June 1910. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: FNB Bank's data.
FNB Bank's data
$215
FNB 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 FNB 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]