The Poca Valley Bank, Inc. mortgage approval rate & lending review
The Poca Valley Bank, Inc. decided 387 mortgage applications and funded 330 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The Poca Valley Bank, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The Poca Valley Bank, Inc. at a glance
Approval is 3.9 points above the 82.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 89% | 203 / 228 | 99% | $145K | 201 |
| Cash-out refinance | 79% | 45 / 57 | 98% | $85K | 44 |
| Investment property purchase | 91% | 50 / 55 | 96% | $95K | 48 |
The Poca Valley Bank, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| West Virginia | 87% | $145K | 382 | 326 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where The Poca Valley Bank, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Kanawha County, WV | Mortgage lenders | 89% | 225 | 199 |
| Kanawha County, WV | Cash-out refinance | 79% | 57 | 44 |
| Kanawha County, WV | Investment property purchase | 90% | 50 | 43 |
The county markets where The Poca Valley Bank, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about The Poca Valley Bank, Inc.
What is The Poca Valley Bank, Inc.'s mortgage approval rate?
The Poca Valley Bank, Inc. approved 86.6% of the 387 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.9 points above the 82.7% national rate for the same mix of loan types.
How often do borrowers take the loan The Poca Valley Bank, Inc. offers?
Borrowers accepted 99% of the loans The Poca Valley Bank, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does The Poca Valley Bank, Inc. make?
The typical home purchase mortgage loan The Poca Valley Bank, Inc. made was $145K; across all loan types its typical loan ran from $85K to $145K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The Poca Valley Bank, Inc. lend?
The Poca Valley Bank, Inc. decided applications in 4 of the states Fat Boy Data covers, most of them in West Virginia, Ohio and Pennsylvania.
Can I apply to The Poca Valley Bank, Inc. directly?
Yes. The Poca Valley Bank, Inc. is a bank or credit union with 9 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show The Poca Valley Bank, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how The Poca Valley Bank, Inc. treats applications, then get a rate quote from the lender.