City National Bank of West Virginia: 2025 mortgage rates, costs & approvals
How City National Bank of West Virginia priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: City National Bank of West Virginia · LEI 549300KJZ82173UB3I21
In 2025, City National Bank of West Virginia originated 1,043 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 5 states — 446th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.35% (all lenders: 6.625%); its median rate spread was 14 basis points below the national median. Median conventional loan costs were $2,080, 63% lower than the national median ($5,570).
It denied 7.7% of completed home-purchase applications (all lenders: 8.5%).
How City National Bank of West Virginia priced home-purchase loans
| Purchase loans, 2025 | City National Bank of West Virginia | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.350% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | −0.00 pts | +0.13 pts |
| Total loan costs · conventional | $2,080 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $600 | $1,860 |
| Borrowers paying discount points | 1.1% | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | 82.1% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why City National Bank of West Virginia denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where City National Bank of West Virginia lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| West Virginia | 689 | 887 | 7.8% | 6.200% | $2,180 |
| Kentucky | 224 | 282 | 5.6% | — | $1,880 |
| Virginia | 68 | 94 | 13.7% | — | $2,820 |
| Ohio | 61 | 84 | 8.8% | — | $2,030 |
| North Carolina | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open City National Bank of West Virginia's page for that state.
Counties where City National Bank of West Virginia is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Greenbrier County, WV | 2 | 53 | 18.0% |
| Braxton County, WV | 2 | 7 | 12.3% |
| Greenup County, KY | 1 | 50 | 12.2% |
| Raleigh County, WV | 2 | 85 | 11.3% |
| Lawrence County, OH | 2 | 52 | 9.8% |
| Lincoln County, WV | 2 | 7 | 9.7% |
| Putnam County, WV | 2 | 67 | 9.0% |
| Kanawha County, WV | 3 | 149 | 8.7% |
| Boyd County, KY | 2 | 48 | 8.6% |
| Summers County, WV | 3 | 6 | 8.6% |
| Nicholas County, KY | 3 | 5 | 8.5% |
| Cabell County, WV | 5 | 57 | 6.7% |
| Pocahontas County, WV | 4 | 3 | 6.7% |
| Carter County, KY | 6 | 14 | 6.5% |
| Lawrence County, KY | 5 | 6 | 6.4% |
Check City National Bank of West Virginia yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300KJZ82173UB3I21.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from City National Bank of West Virginia with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology