The Poca Valley Bank, Inc.
The Poca Valley Bank, Inc. received 393 applications in 2025 and made 284 mortgages, in 34 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $155,000. Of 333 decisions, 44 were denials — 13.2%.
| Legal Entity Identifier | 5493006IT65TMGZIKY68 |
|---|---|
| Applications received | 393 |
| Mortgages made | 284 |
| Denied | 44 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 60 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: The Poca Valley Bank, Inc., 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 219 | Not published | $165,000 | 11.2% |
| Refinancing | 11 | Not published | $125,000 | 26.7% |
| Cash-out refinancing | 37 | Not published | $125,000 | 20.8% |
| Other purposes | 17 | Not published | $115,000 | 10.5% |
Where The Poca Valley Bank, Inc. lends most
The 34 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Kanawha County, WV | 105 | Not published | 13.9% |
| Roane County, WV | 50 | Not published | 12.1% |
| Putnam County, WV | 31 | Not published | 13.9% |
| Jackson County, WV | 25 | Not published | 0.0% |
| Mason County, WV | 12 | Not published | 7.7% |
| Clay County, WV | 8 | Under 10 loans | 11.1% |
| Cabell County, WV | 7 | Under 10 loans | 0.0% |
| Calhoun County, WV | 6 | Under 10 loans | 36.4% |
| Fayette County, WV | 5 | Under 10 loans | 14.3% |
| Lawrence County, OH | 4 | Under 10 loans | 0.0% |
| Boone County, WV | 4 | Under 10 loans | 20.0% |
| Braxton County, WV | 3 | Under 10 loans | 25.0% |
| Lincoln County, WV | 3 | Under 10 loans | 25.0% |
| Wood County, WV | 3 | Under 10 loans | 0.0% |
| Monongalia County, WV | 2 | Under 10 loans | 0.0% |
| Tucker County, WV | 2 | Under 10 loans | 0.0% |
| Boyd County, KY | 1 | Under 10 loans | 0.0% |
| Carter County, KY | 1 | Under 10 loans | 0.0% |
| Gallia County, OH | 1 | Under 10 loans | 66.7% |
| Jackson County, OH | 1 | Under 10 loans | 66.7% |
| Meigs County, OH | 1 | Under 10 loans | 0.0% |
| Doddridge County, WV | 1 | Under 10 loans | 0.0% |
| Marion County, WV | 1 | Under 10 loans | 0.0% |
| Mingo County, WV | 1 | Under 10 loans | 0.0% |
| Nicholas County, WV | 1 | Under 10 loans | 0.0% |
| Pocahontas County, WV | 1 | Under 10 loans | 0.0% |
| Raleigh County, WV | 1 | Under 10 loans | 0.0% |
| Randolph County, WV | 1 | Under 10 loans | 0.0% |
| Summers County, WV | 1 | Under 10 loans | 0.0% |
| Wayne County, WV | 1 | Under 10 loans | 0.0% |
| Greenbrier County, WV | 0 | Under 10 loans | Not published |
| Monroe County, WV | 0 | Under 10 loans | 100.0% |
| Wirt County, WV | 0 | Under 10 loans | Not published |
| Wyoming 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.