The Poca Valley 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%
36th13.2% deniedProcesswithdrawn + incomplete share, weight 15%
34th15.3%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 468 | 345 | 10.3% | 12.1% | — | $55M |
| 2024 | 390 | 277 | 11.8% | 14.2% | — | $41M |
| 2025 | 393 | 284 | 11.2% | 13.2% | — | $53M |
What The Poca Valley 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, 84 manufactured homes, 33 investment properties.
Who gets approved at The Poca Valley Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 70 | 40 | 22.2% |
| $50k – $100k | 141 | 95 | 17.0% |
| $100k – $150k | 93 | 74 | 10.8% |
| $150k – $250k | 53 | 46 | 0.0% |
| Over $250k | 21 | 18 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 52 | 35 | 16.7% |
| 25–34 | 97 | 72 | 11.0% |
| 35–44 | 86 | 63 | 12.2% |
| 45–54 | 63 | 42 | 22.2% |
| 55–64 | 53 | 38 | 11.1% |
| 65–74 | 24 | 20 | 9.1% |
Where The Poca Valley Bank lends
3 states and 34 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 | 379 | 275 | 10.6% | — | #32 |
| Ohio | 12 | 7 | 33.3% | — | #587 |
Frequently asked questions
The Poca Valley Bank denied 13.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 36th percentile of small mortgage lenders.
In 2025, 77% of its applications were for home purchases, 18% for refinancing (including cash-out), and 5% for home improvement or other purposes. By loan type: 99% 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.