Applications / Mortgage Analytics / Lenders / West Virginia / The Bank of Romney
Romney, WV · State member bank · FRS · $365 million assets · 165 loans in 2025
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165
loans originated, 2025
186
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Bank of Romney, a West Virginia bank that makes a fifth of its loans on manufactured homes, rebounded in 2025, with its loans up 74%.
It made 165 loans in 2025, up from 95, while similar lenders (state member banks making between half and twice as many loans) grew 8% and the whole market 10%. Fewer than one in ten peers grew faster. The rise follows two lean years: it made 277 loans in 2020 but only 106 in 2023.
Manufactured homes made up 20.6% of its loans, against 2.3% at similar lenders, higher than at almost all of them. Such homes cost less than site-built ones, which may help explain a typical loan of $125,000, against $185,000 at peers. Every loan was conventional, with no government backing.
Purchases made up 53.3% of its loans and refinances 27.3%. The rest went to home improvement and other purposes. It lends in only five counties across three states, centered on West Virginia.
Its share of Winchester, its largest market, more than doubled, from 0.6% to 1.4%, and it ranks 17 of 303 lenders there. DHI Mortgage Company leads. In Hagerstown-Martinsburg it is smaller, with 0.2%, up from 0.1%. It has lent in both since 2004.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Bank of Romney took 186 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 53.3% · Refinance 27.3% · Other 11.5% · Home improvement 7.9%
Conventional 100.0% · of 165 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 | 115 | 69.7% |
| Maryland | 4 | 2.4% |
| Virginia | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Winchester | 104 |
| Hagerstown-Martinsburg | 16 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900IV7U7HAN6U7T54 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 722432 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2722432 | 2004–2017 |
Established 1 January 1888. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: The Bank of Romney's data.
The Bank of Romney's data
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The Bank of Romney 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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