Putnam County
West Virginia · FIPS 54079
According to CFPB HMDA 2024 application volume among U.S. counties, Putnam County ranks #923 of 3,223, and #8 of 55 in West Virginia.
Mortgage lending activity in Putnam County, West Virginia based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Putnam County, West Virginia lenders denied 442 of the applications reported here, financing the rest at an average note rate of 6.95%, with applicants self-reporting average annual income of $36K. 103 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.3x, meaning typical borrowers took on mortgages of about 5.3 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Putnam County
In Putnam County, lead originator City National Bank of WV funded 17.7% of 1,079 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 29.8% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Putnam County's 2,068 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Putnam County's $190,537 average loan (deduped against volume peers).
Lenders active in Putnam County
City National Bank of WV funded 191 of the 1,079 loans originated in Putnam County, 17.7% of the county. 103 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | City National Bank of WV | 191 | 17.7% |
| 2 | Loandepot.Com, LLC | 66 | 6.1% |
| 3 | Rocket Mortgage | 65 | 6.0% |
| 4 | Huntington National Bank | 50 | 4.6% |
| 5 | Putnam County Bank | 49 | 4.5% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Putnam County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Putnam County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.