West Virginia · HMDA 2025
Mortgage lenders in Clay County, WV
47 lenders reported 218 home-loan applications in Clay County in 2025. 106 closed as loans ($11.1M), 60 were denied — a 35.1% denial rate on decided applications, above the West Virginia rate of 26.6%. The three most active lenders handled 48% of applications, led by Clay County Bank, Inc.. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 218
- Loans originated
- 106
- Purchase / refinance
- 49 / 39
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Clay County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Clay County Bank, Inc. 91 out of 100, Very strong | 71 | 32.6% | 16.3% |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 20 | 9.2% | — |
| 3 | Rocket Mortgage, LLC | 14 | 6.4% | — |
| 4 | Loandepot.Com, LLC | 10 | 4.6% | — |
| 5 | Mortgage Research Center, LLC | 10 | 4.6% | — |
| 6 | The Poca Valley Bank, Inc. 61 out of 100, Moderate | 9 | 4.1% | 13.2% |
| 7 | City National Bank of West Virginia 78 out of 100, Strong | 8 | 3.7% | 27.3% |
| 8 | Peoples Bank 67 out of 100, Moderate | 6 | 2.8% | 24.1% |
| 9 | 21st Mortgage Corporation | 5 | 2.3% | — |
| 10 | TRIAD FINANCIAL SERVICES, INC. | 5 | 2.3% | — |
| 11 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 5 | 2.3% | 74.7% |
| 12 | MOVEMENT MORTGAGE, LLC | 3 | 1.4% | — |
| 13 | Broker Solutions, Inc. | 3 | 1.4% | — |
| 14 | AmeriSave Mortgage Corporation | 3 | 1.4% | — |
| 15 | SOFI BANK, NATIONAL ASSOCIATION | 3 | 1.4% | — |
| 16 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 2 | 0.9% | 14.1% |
| 17 | GUARANTEED RATE, INC. | 2 | 0.9% | — |
| 18 | MidFirst Bank 34 out of 100, Low | 2 | 0.9% | 16.3% |
| 19 | Nations Lending Corporation | 2 | 0.9% | — |
| 20 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | 0.9% | — |
| 21 | SOUTHWEST STAGE FUNDING, LLC | 2 | 0.9% | — |
| 22 | AMERICAN FINANCIAL RESOURCES, INC. | 2 | 0.9% | — |
| 23 | PLANET HOME LENDING, LLC | 2 | 0.9% | — |
| 24 | Gateway First Bank 54 out of 100, Below average | 2 | 0.9% | 5.3% |
| 25 | ROYAL UNITED MORTGAGE LLC | 2 | 0.9% | — |
| 26 | SUCCESS MORTGAGE PARTNERS, INC. | 2 | 0.9% | — |
| 27 | The Huntington National Bank 59 out of 100, Moderate | 1 | 0.5% | 31.6% |
| 28 | NEWREZ LLC | 1 | 0.5% | — |
| 29 | Truist Bank 63 out of 100, Moderate | 1 | 0.5% | 40.8% |
| 30 | UNITED SHORE FINANCIAL SERVICES, LLC | 1 | 0.5% | — |
| 31 | PENNYMAC LOAN SERVICES, LLC | 1 | 0.5% | — |
| 32 | CROSSCOUNTRY MORTGAGE, INC. | 1 | 0.5% | — |
| 33 | U.S. Bank National Association 55 out of 100, Moderate | 1 | 0.5% | 39.5% |
| 34 | Paramount Residential Mortgage Group, Inc. | 1 | 0.5% | — |
| 35 | TIDEWATER MORTGAGE SERVICES, INC. | 1 | 0.5% | — |
| 36 | TAMMAC HOLDINGS CORPORATION | 1 | 0.5% | — |
| 37 | Clear Mountain Bank 83 out of 100, Strong | 1 | 0.5% | 6.8% |
| 38 | Equity Prime Mortgage LLC | 1 | 0.5% | — |
| 39 | LOWER, LLC | 1 | 0.5% | — |
| 40 | Alcova Mortgage LLC | 1 | 0.5% | — |
Top 40 of 47 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in West Virginia
- Berkeley County 8,751 apps
- Kanawha County 5,775 apps
- Jefferson County 4,882 apps
- Monongalia County 3,167 apps
- Cabell County 2,912 apps
- Wood County 2,429 apps
- Raleigh County 2,418 apps
- Putnam County 2,274 apps
- Harrison County 2,073 apps
- Marion County 1,821 apps
- Mercer County 1,586 apps
- Wayne County 1,177 apps