Applications / Mortgage Analytics / Lenders / Ohio / The Ohio Valley Bank Company
Gallipolis, OH · State member bank · FRS · $1.6 billion assets · 328 loans in 2025
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328
loans originated, 2025
369
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Ohio Valley Bank Company is a purchase lender in non-metro Ohio and West Virginia whose loans rose 19% in 2025, faster than most similar banks.
Purchases made up 72.3% of its lending and refinancing 22.6%. It made 328 loans, up from 276, a rise higher than at about seven in ten similar banks, meaning state member banks making between half and twice as many loans; their loans grew by 6%. Its typical loan, $200,000, was close to the $195,000 at its peers, and its typical rate, 6.54%, a little lower.
In Huntington-Ashland, where it has lent since 1998, it ranked 12 of 237 lenders. Its share of the market's lending slipped to 2.5% from 2.9%, possibly because rivals there grew faster or because more of its own growth came elsewhere: it entered Hickory-Lenoir-Morganton and Punta Gorda in 2025. City National Bank of West Virginia leads the market. In non-metro Ohio it ranked 36 of 592.
Its lending is well below its 2020 level, when it made 686 loans. Since 2022 it has made between 276 and 328 loans a year, and its 2025 total matched 2023's.
It lends in 7 states, 14 metros and 40 counties, from its home in Ohio. Most of these are small positions: in Columbus and Cincinnati its share of lending is 0.0%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Ohio Valley Bank Company took 369 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.3% · Refinance 22.6% · Other 3.0% · Home improvement 2.1%
Conventional 100.0% · of 328 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 |
|---|---|---|
| Ohio | 209 | 63.7% |
| West Virginia | 105 | 32.0% |
| Kentucky | 7 | 2.1% |
| Florida | 3 | 0.9% |
| South Carolina | 2 | 0.6% |
| North Carolina | 1 | 0.3% |
| Virginia | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Huntington-Ashland | 85 |
| Columbus | 9 |
| Cincinnati | 5 |
| Charleston | 3 |
| Dayton-Kettering-Beavercreek | 3 |
| Naples-Marco Island | 2 |
| Hickory-Lenoir-Morganton | 1 |
| Hilton Head Island-Bluffton-Port Royal | 1 |
| Lexington-Fayette | 1 |
| Myrtle Beach-Conway-North Myrtle Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JQGT4VX22XJ495 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 498317 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3384 | 1998–2012 |
| Respondent ID (the HMDA filer code before 2018) | 2498317 | 2013–2017 |
Established 1 January 1872. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: The Ohio Valley Bank Company's data.
The Ohio Valley Bank Company's data
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The Ohio Valley Bank 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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