Applications / Mortgage Analytics / Lenders / West Virginia / Pioneer Community Bank
Iaeger, WV · State non-member bank · FDIC · $183 million assets · 100 loans in 2025
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100
loans originated, 2025
131
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pioneer Community Bank is a West Virginia lender for whom manufactured homes are a large line of business, and it ranks among the ten biggest home lenders in Beckley.
Manufactured homes made up 29.0% of its 100 loans, against 3.2% at the middle of similar lenders (state non-member banks making between half and twice as many loans), more than at almost all of them. That may help explain why its typical loan, $95,000, was smaller than at about nine in ten peers, whose middle was $175,000. Every loan was conventional.
It ranked 7 of 137 lenders in Beckley, with 3.8% of the market, down from 4.4%. City National Bank of West Virginia and Movement Mortgage led there. Its loan dollars dipped slightly while the count rose, so smaller loans, not fewer borrowers, may account for the lower share.
Its loans rose 6%, to 100, against 9% at the middle of its peers and 10% for the whole market, which puts it near the middle. It made 54 loans in 2018 and 69 in 2023, so its lending has nearly doubled since its smallest reported year. It filed no report for 2020 to 2022, gaps in the record rather than years without lending.
A quarter of its loans (25.0%) went to low- and moderate-income (LMI) neighborhoods, against 18.3% at the middle of its peers, more than at about seven in ten of them. Its share to LMI borrowers, 30.4%, was a little above the peer figure of 27.4%. It made no loans in majority-minority areas, and its eight counties may hold few.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Pioneer Community Bank took 131 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.0% · Refinance 30.0% · Other 10.0% · Home improvement 6.0%
Conventional 100.0% · of 100 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 | 100 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Beckley | 71 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZZ7K4DPF84PF16 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 294827 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 32448 | 2014–2017 |
Established 20 September 1931. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: Pioneer Community Bank's data.
Pioneer Community Bank's data
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Pioneer Community 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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