Mortgage lending in Clay County, West Virginia
Lenders in Clay County, West Virginia reported 209 mortgage applications for 2025, according to the CFPB.
209 mortgage applications and 106 loans originated in 2025; the denial rate was 35.1% of 171 applications decided. The median loan was about $75,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Charleston, WV HUD Metro FMR Area.
- 209
- Applications
- 106
- Loans originated
- 35.1%
- Denial rate
- 60 denied of 171 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 209 | 106 |
| 2024 | 204 | 115 |
| 2023 | 175 | 110 |
| 2022 | 200 | 125 |
| 2021 | 234 | 134 |
| 2020 | 199 | 122 |
| 2019 | 190 | 123 |
| 2018 | 177 | 120 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Clay County Bank | 60 | 71 |
| The Poca Valley Bank | 8 | 9 |
| Rocket Mortgage | 8 | 14 |
| loanDepot.com LLC | 6 | 10 |
| Vanderbilt Mortgage and Finance, Inc | 4 | 19 |
| Mortgage Research Center | 3 | 10 |
| Movement Mortgage, LLC | 2 | 3 |
| Peoples Bank | 2 | 6 |
| Nations Lending Corporation | 1 | 2 |
| Tidewater Mortgage Services, Inc | 1 | 1 |
| New American Funding, LLC. | 1 | 3 |
| Equity Prime Mortgage LLC | 1 | 1 |
| ALCOVA Mortgage, LLC | 1 | 1 |
| Guaranteed Rate, Inc. | 1 | 2 |
| Village Capital & Investment | 1 | 1 |
| Crosscountry Mortgage, LLC | 1 | 1 |
| 21ST Mortgage | 1 | 5 |
| Das Acquisition Company, LLC | 1 | 1 |
| JPMorgan Chase Bank, NA | 1 | 2 |
| First Federal Bank | 1 | 1 |
| Pennymac Loan Services LLC | 1 | 1 |
| Paramount Residential Mortgage | 0 | 1 |
| Huntington National Bank | 0 | 1 |
| MidFirst Bank | 0 | 0 |
| Primelending | 0 | 2 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| Asian | under 10 | |
| White | 195 | 34.2% of 164 decided |
| Race Not Available | withheld |
| Category | Applications | Denial rate |
|---|---|---|
| Not Hispanic or Latino | 187 | 32.5% of 157 decided |
| Joint | under 10 | |
| Ethnicity Not Available | withheld |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 85 | 31.8% of 66 decided |
| Female | withheld | |
| Joint | 73 | 32.8% of 61 decided |
| Sex Not Available | under 10 |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 2819 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved