Clay County Bank, Inc.
Clay County Bank, Inc. received 106 applications in 2025 and made 82 mortgages, in 11 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $55,000. Of 98 decisions, 16 were denials — 16.3%.
| Legal Entity Identifier | 2549003VO95NGF435U70 |
|---|---|
| Applications received | 106 |
| Mortgages made | 82 |
| Denied | 16 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 8 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Clay County Bank, Inc., 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 33 | Not published | $75,000 | 17.5% |
| Cash-out refinancing | 32 | Not published | $60,000 | 18.0% |
| Other purposes | 17 | Not published | $35,000 | 10.5% |
Where Clay County Bank, Inc. lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Clay County, WV | 60 | Not published | 14.3% |
| Nicholas County, WV | 6 | Under 10 loans | 14.3% |
| Fayette County, WV | 5 | Under 10 loans | 16.7% |
| Kanawha County, WV | 5 | Under 10 loans | 37.5% |
| Braxton County, WV | 1 | Under 10 loans | 0.0% |
| Calhoun County, WV | 1 | Under 10 loans | 50.0% |
| Harrison County, WV | 1 | Under 10 loans | 0.0% |
| Mason County, WV | 1 | Under 10 loans | 0.0% |
| Monongalia County, WV | 1 | Under 10 loans | 0.0% |
| Putnam County, WV | 1 | Under 10 loans | 0.0% |
| Upshur County, WV | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.