Applications / Mortgage Analytics / Lenders / West Virginia / The Fayette County National Bank of Fayetteville
Fayetteville, WV · National bank · OCC · $155 million assets · 66 loans in 2025
The Fayette County National Bank of Fayetteville's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
66
loans originated, 2025
93
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Fayette County National Bank of Fayetteville makes small loans, many on manufactured homes and home improvements, and lends to lower-income borrowers far more than similar banks do.
Its typical loan was $75,000, against $180,000 at similar lenders (national banks making between half and twice as many loans); almost no peer lends smaller. Manufactured homes made up 18.2% of its loans, against 1.2% at a typical peer, and home improvement 16.7%. Both kinds of loan tend to be small.
Low- and moderate-income (LMI) borrowers took 46.6% of its loans, up from 24.2% a year earlier and about double the 23.2% at peers. That is higher than more than nine in ten similar lenders. Its small loans and manufactured-home lending may help explain it.
In Beckley, its largest market since 2014, it ranks 10 of 137, but its share fell from 3.1% to 2.4%. Its loans fell 4% to 66 while the whole market grew 10%, and its typical loan shrank from $95,000. Because shares are counted in dollars, smaller loans can pull its share down. City National Bank of West Virginia leads the market.
The bank made 130 loans in 2021. It has made fewer every year since, and the record does not say why.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Fayette County National Bank of Fayetteville took 93 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 45.5% · Refinance 33.3% · Home improvement 16.7% · Other 4.5%
Conventional 100.0% · of 66 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 | 66 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Beckley | 62 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549005QV7K44ND43364 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 488420 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 18345 | 2014–2017 |
Established 1 June 1900. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: The Fayette County National Bank of Fayetteville's data.
The Fayette County National Bank of Fayetteville's data
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The Fayette County National Bank of Fayetteville 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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