City National Bank Of West Virginia
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
City National Bank Of West Virginia 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | City National Bank Of West Virginia 25 Gatewater Road Charleston, WV 25313 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 5,970 |
| Total Mortgage Loan Application Amount | $360,325,000 |
| Average Mortgage Loan Application Amount | $102,173 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $87,173 |
| Highest Applicant Income | $2,511,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with City National Bank Of West Virginia. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing City National Bank Of West Virginia's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down City National Bank Of West Virginia's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how City National Bank Of West Virginia serves its applicants.
Each category highlights the total number of mortgage applications processed by City National Bank Of West Virginia, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at City National Bank Of West Virginia's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kanawha County West Virginia | 1,081 | $ 69,139,000 | $ 63,000 | $ 55,000 |
| Raleigh County West Virginia | 752 | $ 47,802,000 | $ 63,000 | $ 66,000 |
| Greenbrier County West Virginia | 405 | $ 20,023,000 | $ 49,000 | $ 47,000 |
| Putnam County West Virginia | 389 | $ 26,133,000 | $ 67,000 | $ 72,000 |
| Berkeley County West Virginia | 370 | $ 27,957,000 | $ 75,000 | $ 60,000 |
| Cabell County West Virginia | 325 | $ 17,068,000 | $ 52,000 | $ 50,000 |
| Fayette County West Virginia | 222 | $ 9,279,000 | $ 41,000 | $ 41,000 |
| Lawrence County Ohio | 213 | $ 12,693,000 | $ 59,000 | $ 48,000 |
| Jackson County West Virginia | 182 | $ 10,870,000 | $ 59,000 | $ 49,000 |
| Mason County West Virginia | 181 | $ 7,300,000 | $ 40,000 | $ 53,000 |
| Harrison County West Virginia | 164 | $ 9,925,000 | $ 60,000 | $ 47,000 |
| Jefferson County West Virginia | 135 | $ 12,565,000 | $ 93,000 | $ 71,000 |
| Lincoln County West Virginia | 134 | $ 5,261,000 | $ 39,000 | $ 42,000 |
| Greenup County Kentucky | 129 | $ 8,913,000 | $ 69,000 | $ 57,000 |
| Summers County West Virginia | 124 | $ 5,197,000 | $ 41,000 | $ 42,000 |
| Braxton County West Virginia | 111 | $ 4,082,000 | $ 36,000 | $ 45,000 |
| Boyd County Kentucky | 97 | $ 6,653,000 | $ 68,000 | $ 57,000 |
| Pocahontas County West Virginia | 91 | $ 4,584,000 | $ 50,000 | $ 63,000 |
| Wayne County West Virginia | 88 | $ 3,234,000 | $ 36,000 | $ 49,000 |
| Boone County West Virginia | 69 | $ 2,943,000 | $ 42,000 | $ 47,000 |
| Meigs County Ohio | 53 | $ 2,933,000 | $ 55,000 | $ 57,000 |
| Morgan County West Virginia | 51 | $ 2,589,000 | $ 50,000 | $ 48,000 |
| Johnson County Kentucky | 40 | $ 1,476,000 | $ 36,000 | $ 47,000 |
| Nicholas County West Virginia | 39 | $ 1,510,000 | $ 38,000 | $ 35,000 |
| Monroe County West Virginia | 32 | $ 1,588,000 | $ 49,000 | $ 50,000 |
| Wyoming County West Virginia | 25 | $ 942,000 | $ 37,000 | $ 65,000 |
| Carter County Kentucky | 17 | $ 753,000 | $ 44,000 | $ 46,000 |
| Clay County West Virginia | 17 | $ 512,000 | $ 30,000 | $ 54,000 |
| Gallia County Ohio | 16 | $ 1,068,000 | $ 66,000 | $ 46,000 |
| Mercer County West Virginia | 15 | $ 1,774,000 | $ 118,000 | $ 67,000 |
| Roane County West Virginia | 13 | $ 356,000 | $ 27,000 | $ 42,000 |
| Webster County West Virginia | 12 | $ 456,000 | $ 38,000 | $ 30,000 |
| Gilmer County West Virginia | 9 | $ 560,000 | $ 62,000 | $ 54,000 |
| Lewis County West Virginia | 8 | $ 738,000 | $ 92,000 | $ 58,000 |
| Scioto County Ohio | 7 | $ 618,000 | $ 88,000 | $ 61,000 |
| Marion County West Virginia | 7 | $ 245,000 | $ 35,000 | $ 47,000 |
| Monongalia County West Virginia | 6 | $ 522,000 | $ 87,000 | $ 162,000 |
| Magoffin County Kentucky | 5 | $ 274,000 | $ 54,000 | $ 36,000 |
| Barbour County West Virginia | 5 | $ 309,000 | $ 61,000 | $ 39,000 |
| Upshur County West Virginia | 5 | $ 576,000 | $ 115,000 | $ 46,000 |
| Wood County West Virginia | 4 | $ 850,000 | $ 212,000 | $ 106,000 |
| Floyd County Kentucky | 3 | $ 35,000 | $ 11,000 | $ 53,000 |
| Athens County Ohio | 3 | $ 475,000 | $ 158,000 | $ 73,000 |
| Jackson County Ohio | 3 | $ 208,000 | $ 69,000 | $ 58,000 |
| Washington County Ohio | 3 | $ 248,000 | $ 82,000 | $ 48,000 |
| Frederick County Virginia | 3 | $ 458,000 | $ 152,000 | $ 50,000 |
| Logan County West Virginia | 3 | $ 190,000 | $ 63,000 | $ 87,000 |
| Randolph County West Virginia | 3 | $ 2,204,000 | $ 734,000 | $ 27,000 |
| Broward County Florida | 2 | $ 87,000 | $ 43,000 | $ 24,000 |
| Fayette County Kentucky | 2 | $ 185,000 | $ 92,000 | $ 138,000 |
| Lawrence County Kentucky | 2 | $ 28,000 | $ 14,000 | $ 126,000 |
| Horry County South Carolina | 2 | $ 237,000 | $ 118,000 | $ 9,000 |
| Doddridge County West Virginia | 2 | $ 268,000 | $ 134,000 | $ 87,000 |
| Hardy County West Virginia | 2 | $ 96,000 | $ 48,000 | $ 36,000 |
| Taylor County West Virginia | 2 | $ 110,000 | $ 55,000 | $ 68,000 |
| Tyler County West Virginia | 2 | $ 58,000 | $ 29,000 | $ 55,000 |
| District of Columbia County District Of Columbia | 1 | $ 25,000 | $ 25,000 | $ 23,000 |
| Clay County Kentucky | 1 | $ 90,000 | $ 90,000 | $ 50,000 |
| Allegany County Maryland | 1 | $ 140,000 | $ 140,000 | $ 37,000 |
| Garrett County Maryland | 1 | $ 229,000 | $ 229,000 | $ 67,000 |
| Montgomery County Maryland | 1 | $ 15,000 | $ 15,000 | $ 50,000 |
| Washington County Maryland | 1 | $ 163,000 | $ 163,000 | $ 34,000 |
| Cumberland County North Carolina | 1 | $ 20,000 | $ 20,000 | $ 150,000 |
| Currituck County North Carolina | 1 | $ 250,000 | $ 250,000 | $ 37,000 |
| Hyde County North Carolina | 1 | $ 375,000 | $ 375,000 | $ 656,000 |
| Iredell County North Carolina | 1 | $ 875,000 | $ 875,000 | $ 1,000,000 |
| New Hanover County North Carolina | 1 | $ 251,000 | $ 251,000 | $ 101,000 |
| Franklin County Ohio | 1 | $ 278,000 | $ 278,000 | $ 130,000 |
| Union County Ohio | 1 | $ 29,000 | $ 29,000 | $ 45,000 |
| Tulsa County Oklahoma | 1 | $ 42,000 | $ 42,000 | $ 64,000 |
| Philadelphia County Pennsylvania | 1 | $ 30,000 | $ 30,000 | $ 52,000 |
| Somerset County Pennsylvania | 1 | $ 378,000 | $ 378,000 | $ 192,000 |
| Covington County Virginia | 1 | $ 165,000 | $ 165,000 | $ 483,000 |
| Culpeper County Virginia | 1 | $ 90,000 | $ 90,000 | $ 49,000 |
| Fairfax County Virginia | 1 | $ 340,000 | $ 340,000 | $ 144,000 |
| Grayson County Virginia | 1 | $ 40,000 | $ 40,000 | $ 142,000 |
| Calhoun County West Virginia | 1 | $ 5,000 | $ 5,000 | $ 75,000 |
| Hampshire County West Virginia | 1 | $ 14,000 | $ 14,000 | $ 54,000 |
| Hancock County West Virginia | 1 | $ 100,000 | $ 100,000 | $ 110,000 |
| McDowell County West Virginia | 1 | $ 53,000 | $ 53,000 | $ 44,000 |
| Preston County West Virginia | 1 | $ 15,000 | $ 15,000 | $ 54,000 |
| Tucker County West Virginia | 1 | $ 60,000 | $ 60,000 | $ 150,000 |
| Wetzel County West Virginia | 1 | $ 30,000 | $ 30,000 | $ 17,000 |
| Wirt County West Virginia | 1 | $ 40,000 | $ 40,000 | $ 81,000 |
Mortgage Loan Application Detail Totals for City National Bank Of West Virginia in 2005
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 2,163 | $49,915,000 | $20,500 | $340,000 | $55,500 | $508,000 |
| Refinancing | 2,043 | $141,243,000 | $95,142 | $1,109,000 | $80,714 | $2,511,000 |
| Home Purchase | 1,764 | $169,167,000 | $190,000 | $2,000,000 | $124,500 | $1,105,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 5,693 | $334,872,000 | $134,454 | $875,000 | $96,181 | $2,511,000 |
| Black or African American | 106 | $6,930,000 | $129,200 | $500,000 | $84,400 | $300,000 |
| Not Provided | 62 | $2,615,000 | $59,000 | $330,000 | $69,000 | $177,000 |
| Not applicable | 33 | $7,465,000 | $148,000 | $2,000,000 | $0 | $0 |
| Hispanic | 33 | $2,589,000 | $55,000 | $260,000 | $60,000 | $133,000 |
| Asian | 28 | $4,849,000 | $141,250 | $1,109,000 | $84,750 | $700,000 |
| American Indian or Alaskan Native | 14 | $710,000 | $24,000 | $217,000 | $38,333 | $147,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $295,000 | $295,000 | $295,000 | $257,000 | $257,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 5,963 | $359,807,000 | $111,083 | $2,000,000 | $85,000 | $2,511,000 |
| FHA-insured (Federal Housing Administration) | 7 | $518,000 | $74,000 | $98,000 | $27,000 | $39,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,997 | $212,062,000 | $188,000 | $1,109,000 | $137,111 | $2,511,000 |
| Application Denied By Financial Institution | 1,880 | $79,691,000 | $62,666 | $2,000,000 | $56,333 | $562,000 |
| Application Approved But Not Accepted | 603 | $28,646,000 | $37,500 | $600,000 | $44,666 | $324,000 |
| Application Withdrawn By Applicant | 251 | $19,832,000 | $109,000 | $408,000 | $46,142 | $385,000 |
| Preapproval Denied by Financial Institution | 229 | $18,279,000 | $57,500 | $500,000 | $34,000 | $190,000 |
| File Closed For Incompleteness | 10 | $1,815,000 | $128,000 | $600,000 | $57,000 | $198,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 1,277 | $43,708,000 | $72,428 | $350,000 | $49,142 | $300,000 |
| Debt-To-Income Ratio | 605 | $42,278,000 | $66,600 | $2,000,000 | $37,800 | $302,000 |
| Collateral | 149 | $7,756,000 | $64,750 | $280,000 | $54,000 | $562,000 |
| Employment History | 40 | $1,409,000 | $41,333 | $165,000 | $40,000 | $105,000 |
| Other | 25 | $1,676,000 | $49,500 | $196,000 | $77,500 | $435,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $958,000 | $84,666 | $200,000 | $45,666 | $85,000 |
| Unverifiable Information | 2 | $125,000 | $62,500 | $75,000 | $11,500 | $23,000 |
| Credit Application Incomplete | 1 | $60,000 | $60,000 | $60,000 | $59,000 | $59,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into City National Bank Of West Virginia's 2005 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess City National Bank Of West Virginia's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in West Virginia, download the full spreadsheet
with aggregated HMDA statistics today.