Lenders › The Poca Valley Bank › West Virginia
The Poca Valley 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, The Poca Valley Bank reported 381 applications and 269 originations for 2024, $40m in all.
Its denial rate in the state was 14.5%, below the West Virginia rate of 28.3% across all lenders and compared with the lender's national rate of 14.2%.
Applications in the state were down 16% on 2023.
Compared with the state and the lender's national record
| Measure | In West Virginia | West Virginia, all lenders | The Poca Valley Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 14.5% | 28.3% | 14.2% | 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 | $148k | $195k | $149k | $329k |
| Home purchase share | 77.7% | 61.4% | 77.6% | 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 78% (209)Home improvement 3% (8)Refinancing 3% (8)Cash-out refinancing 15% (40)Other purpose 1% (4)
By type
Conventional 99% (265)USDA 1% (4)
Denial reasons as coded
Share of 46 denials in West Virginia by first denial reason coded (outlined bar: all lenders in the state).
Counties in West Virginia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Kanawha County | 132 | 96 | $15m | 14.8% |
| Roane County | 90 | 73 | $9.2m | 9.9% |
| Putnam County | 41 | 24 | $4.6m | 25.0% |
| Jackson County | 32 | 20 | $3.1m | 20.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did The Poca Valley Bank originate in West Virginia in 2024?
269 loans totalling $40m, from 381 applications reported for properties in West Virginia.
What is The Poca Valley Bank's denial rate in West Virginia?
14.5% of decided applications in West Virginia were denied, against 28.3% for all lenders in the state and 14.2% 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 The Poca Valley Bank lend in most?
By originations: Kanawha County (96), Roane County (73), Putnam County (24), Jackson County (20).
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.