Clay County Bank in West Virginia vs the state
15.1%Denial rate-6.10 pts vs state
16.3%Decision denial rate-10.33 pts vs state
77.4%Origination rate+22.57 pts vs state
—Median rate
—Rate spread (pts)
$72kMedian applicant income
82Loans originated
16Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 108 | 101 | 2.8% | — | #85 |
| 2024 | 111 | 103 | 2.7% | — | #82 |
| 2025 | 106 | 82 | 15.1% | — | #93 |
What Clay County Bank lends in West Virginia
By loan purpose
By loan type
Where in West Virginia
Counties with the most Clay County Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clay County | 71 | 60 | 10 | 14.1% |
| Nicholas County | 10 | 6 | 1 | 10.0% |
| Kanawha County | 9 | 5 | 3 | 33.3% |
| Fayette County | 6 | 5 | 1 | 16.7% |
| Braxton County | 3 | 1 | 0 | 0.0% |
| Calhoun County | 2 | 1 | 1 | 50.0% |
| Mason County | 1 | 1 | 0 | 0.0% |
| Upshur County | 1 | 0 | 0 | 0.0% |
| Putnam County | 1 | 1 | 0 | 0.0% |
| Monongalia County | 1 | 1 | 0 | 0.0% |
Other large lenders in West Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 3,615 | 23.0% | 6.88% |
| Vanderbilt Mortgage and Finance | F | 3,214 | 38.5% | 9.99% |
| City National Bank of West Virginia | C | 2,870 | 25.0% | 6.29% |
| The Huntington National Bank | D | 2,194 | 28.1% | 7.00% |
| Truist Bank | C | 1,776 | 31.1% | 6.63% |
| Loandepot.Com | D | 1,624 | 18.7% | 6.58% |
| Mortgage Research Center | C | 1,592 | 17.4% | 6.25% |
| WesBanco Bank | B | 1,475 | 16.7% | 6.01% |
| Movement Mortgage | A | 1,167 | 5.4% | 6.63% |
| Crosscountry Mortgage | B | 1,140 | 4.0% | 6.58% |
Frequently asked questions
West Virginia: 106 applications in 2025, of which 82 were originated and 16 denied.
15.1% of all applications, or 16.3% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Clay County Bank's own HMDA filing for properties located in West Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology