Applications / Mortgage Analytics / Lenders / West Virginia / The Poca Valley Bank
Walton, WV · State non-member bank · FDIC · $649 million assets · 284 loans in 2025
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284
loans originated, 2025
393
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Poca Valley Bank is one of the larger mortgage lenders in Charleston, West Virginia, and most of its business is home purchases, many of them on manufactured homes.
It ranked 6 of 157 lenders in Charleston, WV in 2025, with 3.7% of the market, down from 4.0%. City National Bank of West Virginia leads there. The bank has lent in Charleston since 1990. One possible reason for the dip is pace: its loans rose 3%, while the whole market grew 10%. In Huntington-Ashland its share rose from 0.6% to 0.9%.
Home purchases made up 77.1% of its 284 loans. Manufactured homes made up 17.3%, against 2.6% at similar lenders (state non-member banks making between half and twice as many loans). Its typical loan, $155,000, was below their $175,000, a gap the manufactured homes may explain.
Loans guaranteed by the Department of Agriculture's Rural Housing Service (RHS) made up 6.0% of its lending in 2020 and 1.4% in 2024. In 2025 it made none; every loan was conventional.
Low- and moderate-income neighborhoods took 17.7% of its loans, near the middle of its peers and up from 10.1% in 2020.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Poca Valley Bank took 393 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 77.1% · Refinance 16.9% · Other 4.9% · Home improvement 1.1%
Conventional 100.0% · of 284 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 | 275 | 96.8% |
| Ohio | 7 | 2.5% |
| Kentucky | 2 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charleston | 117 |
| Huntington-Ashland | 45 |
| Beckley | 6 |
| Parkersburg-Vienna | 3 |
| Morgantown | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006IT65TMGZIKY68 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 851239 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311952 | 1990–2017 |
Established 24 September 1908. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Poca Valley Bank's data.
The Poca Valley Bank's data
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The Poca Valley 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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