Applications / Mortgage Analytics / Lenders / West Virginia / MCNB Bank and Trust Company
Welch, WV · State non-member bank · FDIC · $363 million assets · 35 loans in 2025
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35
loans originated, 2025
45
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
MCNB Bank and Trust Company, a small West Virginia bank, makes small loans for a spread of purposes, and its yearly lending has shrunk to a quarter of its 2020 level.
Refinances made up 42.9% of its 35 loans, purchases 31.4% and other purposes 20.0%. Every loan was conventional, with no government-backed lending. Its typical loan was $95,000, against $172,500 at the typical similar lender, here meaning state non-member banks making between half and twice as many loans. That is smaller than at about nine in ten of them.
It made 108 loans in 2018 and 129 in 2020. The count has fallen every year since 2020, to 36 in 2024 and 35 in 2025. The figures do not show why.
Of its loans, 28.6% were in low- and moderate-income (LMI) neighborhoods, against 19.0% at the typical similar lender, a higher share than at most of them. Its share of LMI borrowers, 26.1%, was close to the peer figure. On 35 loans, a few borrowers can move either share.
Its loans are spread over eight counties in two states, mainly West Virginia. Its largest markets include Beckley, where it has lent since 2014, and Huntington-Ashland. In both it is one of well over a hundred lenders, and City National Bank of West Virginia leads both.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. MCNB Bank and Trust Company took 45 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 42.9% · Purchase 31.4% · Other 20.0% · Home improvement 5.7%
Conventional 100.0% · of 35 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 | 30 | 85.7% |
| Virginia | 5 | 14.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Beckley | 18 |
| Huntington-Ashland | 3 |
| Charleston | 1 |
| Roanoke | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JRZJXS01TP9N73 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 20633 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 36803 | 2014–2017 |
Established 1 July 1900. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: MCNB Bank and Trust Company's data.
MCNB Bank and Trust Company's data
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MCNB Bank and Trust Company 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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