Putnam County Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
38th12.7% deniedProcesswithdrawn + incomplete share, weight 15%
49th11.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 191 | 162 | 7.9% | 8.4% | — | $34M |
| 2024 | 166 | 127 | 13.3% | 14.8% | — | $39M |
| 2025 | 205 | 156 | 11.2% | 12.7% | — | $51M |
What Putnam County Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 11 manufactured homes, 30 investment properties.
Who gets approved at Putnam County Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 20 | 10 | 47.4% |
| $50k – $100k | 49 | 33 | 12.5% |
| $100k – $150k | 48 | 37 | 15.9% |
| $150k – $250k | 39 | 32 | 3.0% |
| Over $250k | 20 | 17 | 5.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 31 | 23 | 11.5% |
| 35–44 | 37 | 28 | 17.7% |
| 45–54 | 43 | 29 | 18.4% |
| 55–64 | 32 | 22 | 15.4% |
| 65–74 | 20 | 17 | 5.6% |
Where Putnam County Bank lends
6 states and 21 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| West Virginia | 196 | 148 | 11.2% | — | #60 |
| South Carolina | 5 | 5 | 0.0% | — | #629 |
Frequently asked questions
Putnam County Bank denied 12.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 38th percentile of small mortgage lenders.
In 2025, 57% of its applications were for home purchases, 33% for refinancing (including cash-out), and 10% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.