The Poca Valley Bank, Inc.: 2025 mortgage rates, costs & approvals
How The Poca Valley Bank, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: The Poca Valley Bank, Inc. · LEI 5493006IT65TMGZIKY68
In 2025, The Poca Valley Bank, Inc. originated 179 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 3 states — 1332nd by volume among the 2,017 lenders profiled here.
It denied 10.7% of completed home-purchase applications (all lenders: 8.5%).
How The Poca Valley Bank, Inc. priced home-purchase loans
| Purchase loans, 2025 | The Poca Valley Bank, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | — | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | — | +0.13 pts |
| Total loan costs · conventional | — | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | — | $1,860 |
| Borrowers paying discount points | — | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | — | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where The Poca Valley Bank, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| West Virginia | 173 | 203 | 9.9% | — | — |
| Ohio | 4 | 6 | — | — | — |
| Kentucky | 2 | 2 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open The Poca Valley Bank, Inc.'s page for that state.
Counties where The Poca Valley Bank, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Roane County, WV | 1 | 34 | 43.6% |
| Calhoun County, WV | 1 | 4 | 20.0% |
| Clay County, WV | 3 | 4 | 8.5% |
| Jackson County, WV | 4 | 18 | 8.3% |
| Doddridge County, WV | 6 | 1 | 4.3% |
| Mason County, WV | 8 | 7 | 4.2% |
| Kanawha County, WV | 7 | 64 | 3.7% |
| Braxton County, WV | 8 | 2 | 3.5% |
| Putnam County, WV | 11 | 22 | 3.0% |
| Boone County, WV | 9 | 3 | 2.9% |
| Lincoln County, WV | 19 | 1 | 1.4% |
| Fayette County, WV | 24 | 2 | 0.8% |
| Nicholas County, WV | 25 | 1 | 0.7% |
Check The Poca Valley Bank, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493006IT65TMGZIKY68.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from The Poca Valley Bank, Inc. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology