Lenders › Clay County Bank › West Virginia
Clay County Bank in West Virginia
HMDA record for properties in West Virginia, calendar year 2024. National record · West Virginia overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In West Virginia, Clay County Bank reported 111 applications and 103 originations for 2024, $9.8m in all.
Its denial rate in the state was 2.8%, below the West Virginia rate of 28.3% across all lenders and compared with the lender's national rate of 2.8%.
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In West Virginia | West Virginia, all lenders | Clay County Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 2.8% | 28.3% | 2.8% | 24.3% |
| Median rate spread, pp | — | 0.4 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 15.8% | — | 15.6% |
| Average originated loan | $95k | $195k | $95k | $329k |
| Home purchase share | 38.8% | 61.4% | 38.8% | 57.0% |
| FHA-insured share | 0.0% | 17.5% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 9.4% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateWest Virginia, all lenders
Loan purpose and loan type in West Virginia
By purpose
Home purchase 39% (40)Home improvement 11% (11)Refinancing 1% (1)Cash-out refinancing 40% (41)Other purpose 10% (10)
By type
Conventional 100% (103)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in West Virginia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Clay County | 73 | 68 | $5.3m | 2.9% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Clay County Bank originate in West Virginia in 2024?
103 loans totalling $9.8m, from 111 applications reported for properties in West Virginia.
What is Clay County Bank's denial rate in West Virginia?
2.8% of decided applications in West Virginia were denied, against 28.3% for all lenders in the state and 2.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which West Virginia counties does Clay County Bank lend in most?
By originations: Clay County (68).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in West Virginia. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.