Applications / Mortgage Analytics / Lenders / West Virginia / Pendleton Community Bank
Franklin, WV · State non-member bank · FDIC · $814 million assets · 158 loans in 2025
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158
loans originated, 2025
185
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pendleton Community Bank is a West Virginia country lender of small conventional loans, many of them on manufactured homes, and it gained share in Beckley and Harrisonburg in 2025.
All of Pendleton Community Bank's loans were conventional, and its typical loan was $140,000, against $175,000 at similar lenders, meaning state non-member banks making between half and twice as many loans. Manufactured homes made up 13.3% of its loans, against 2.8% at peers. Home purchases were 67.1% of its lending.
Some 12.7% of its loans were higher-priced (a rate well above the average for similar loans), against 2.7% at peers. Its manufactured-home lending could account for most of that difference. Home-improvement and other-purpose loans, nearly a fifth of its lending, may add to it.
Its share rose to 1.9% from 1.5% in Beckley, where it ranks 13 of 137 lenders, and its share also rose in Harrisonburg. It has lent in both markets since 2007.
It made 158 loans, up 10%, the same as the whole market and close to the typical similar lender's 9%. Its loans peaked at 310 in 2022. It made fewer in 2023 and again in 2024 before this year's rise.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Pendleton Community Bank took 185 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 67.1% · Refinance 14.6% · Other 10.8% · Home improvement 7.6%
Conventional 100.0% · of 158 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 | 123 | 77.8% |
| Virginia | 33 | 20.9% |
| Maryland | 1 | 0.6% |
| North Carolina | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Beckley | 43 |
| Harrisonburg | 26 |
| Winchester | 4 |
| Staunton-Stuarts Draft | 3 |
| Morgantown | 2 |
| Arlington-Alexandria-Reston | 1 |
| Charleston | 1 |
| Hagerstown-Martinsburg | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002B3KWBDNOTY262 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 370020 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 36176 | 2007–2017 |
Established 5 October 1925. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Pendleton Community Bank's data.
Pendleton Community Bank's data
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Pendleton 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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