Applications / Mortgage Analytics / Lenders / West Virginia / Whitesville State Bank
Whitesville, WV · State non-member bank · FDIC · $138 million assets · 75 loans in 2025
Whitesville State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
75
loans originated, 2025
115
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Whitesville State Bank is a West Virginia lender for manufactured homes and poorer neighborhoods, and it gained ground in Beckley as its loans rose by 34% in 2025.
Manufactured homes made up 36.0% of its loans, against 2.6% at similar lenders, state non-member banks making between half and twice as many loans. Only about one in fifty of those lenders has a higher share. That may explain its small loans: the typical one was $65,000, against $175,000 for similar lenders, among the lowest of the group. Purchases were 56.0% of its lending.
Of its loans, 41.3% went to low- and moderate-income (LMI) neighborhoods, against 18.5% at similar lenders, a higher share than about nine in ten of them. The share was 23.2% a year earlier. Its lending to LMI borrowers, at 36.2%, was also above the 27.2% of similar lenders. Cheap manufactured homes may account for part of both.
Loans rose to 75 from 56, a gain of 34%, against 9% for similar lenders and 10% for the whole market. In Beckley, its largest market, its share rose to 1.6% from 1.1%, ranking it 15 of 137. City National Bank of West Virginia leads there. The bank filed no reports for 2020 to 2022, years when small lenders need not report, so the record has a gap rather than a lull.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Whitesville State Bank took 115 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.0% · Refinance 22.7% · Other 12.0% · Home improvement 9.3%
Conventional 100.0% · of 75 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 | 74 | 98.7% |
| North Carolina | 1 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Beckley | 38 |
| Charleston | 28 |
| Hickory-Lenoir-Morganton | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GKZTKVQFQNP844 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 732637 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316453 | 2004–2017 |
Established 8 July 1946. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Whitesville State Bank's data.
Whitesville State Bank's data
$215
Whitesville State 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 Whitesville State 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]