Compare Mortgage Lenders
Select two lenders to compare side by side using 2023 HMDA federal data: approval rates, denial rates, loan sizes, loan types, and geographic reach.
Key Metrics
| Metric | CLAY COUNTY BANK | WESBANCO BANK, INC. |
|---|---|---|
| Total Applications | 111 | 6,755 ▲ |
| Loans Originated | 103 | 4,430 |
| Approval Rate (higher is better) | 92.8% ✓ | 65.6% |
| Denial Rate (lower is better) | 2.7% ✓ | 17.7% |
| Avg Loan Amount | $94,459 | $295,922 |
| Avg Interest Rate (lower is better) | N/A | 5.683% |
| Avg Applicant Income | N/A | $34,000 |
| Applications Denied | 3 | 1,198 |
| Applications Withdrawn | 5 | 711 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | CLAY COUNTY BANK | WESBANCO BANK, INC. |
|---|---|---|
| Conventional | 111 (100.0%) | 6,056 (89.7%) |
| FHA | — | 560 (8.3%) |
| VA | — | 113 (1.7%) |
| USDA | — | 26 (0.4%) |
Loan Purpose Breakdown
| Purpose | CLAY COUNTY BANK | WESBANCO BANK, INC. |
|---|---|---|
| Home Purchase | 45 | 2,397 |
| Cash-out Refinancing | 41 | 389 |
| Other | 12 | 1,809 |
| Home Improvement | 12 | 1,577 |
| Refinancing | 1 | 583 |
Top States by Loan Volume
No state data available.
| State | Originated | Rank |
|---|---|---|
| West Virginia | 1,007 | #4 |
Summary
- 111 total applications · 103 originated
- Approval rate: 92.8%
- Denial rate: 2.7%
- Avg loan: $94,459
- HQ: Clay, WV
- 6,755 total applications · 4,430 originated
- Approval rate: 65.6%
- Denial rate: 17.7%
- Avg loan: $295,922
- Avg rate: 5.683%
- HQ: WHEELING, WV
Methodology
Comparisons are drawn from the CFPB 2024 HMDA Snapshot National Loan-Level Dataset, published by the Consumer Financial Protection Bureau and distributed via the FFIEC. Every figure on this page comes from lenders' mandatory HMDA filings — not voluntary marketing claims.
Approval (origination) rate = originated ÷ total applications. Denial rate = denied ÷ total applications. Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes. Denial rates reflect a lender's applicant mix as much as its underwriting stance; compare alongside loan-type mix and geography before drawing conclusions.
Side-by-side comparisons are informational only and do not constitute financial, legal, or mortgage advice. Always obtain and compare written Loan Estimates before applying.