City National Bank Of West Virginia
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
City National Bank Of West Virginia 2016 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 | 4,577 |
| Total Mortgage Loan Application Amount | $575,117,000 |
| Average Mortgage Loan Application Amount | $135,000 |
| Highest Mortgage Loan Application Amount | $13,290,000 |
| Average Applicant Income | $79,333 |
| Highest Applicant Income | $2,485,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 678 | $ 70,634,000 | $ 104,000 | $ 75,000 |
| Raleigh County West Virginia | 384 | $ 31,860,000 | $ 82,000 | $ 78,000 |
| Putnam County West Virginia | 302 | $ 40,798,000 | $ 135,000 | $ 95,000 |
| Cabell County West Virginia | 294 | $ 32,178,000 | $ 109,000 | $ 73,000 |
| Berkeley County West Virginia | 246 | $ 26,305,000 | $ 106,000 | $ 89,000 |
| Lawrence County Ohio | 226 | $ 21,114,000 | $ 93,000 | $ 79,000 |
| Greenbrier County West Virginia | 192 | $ 15,511,000 | $ 80,000 | $ 68,000 |
| Boyd County Kentucky | 159 | $ 17,712,000 | $ 111,000 | $ 96,000 |
| Greenup County Kentucky | 154 | $ 17,216,000 | $ 111,000 | $ 85,000 |
| Augusta County Virginia | 147 | $ 23,405,000 | $ 159,000 | $ 88,000 |
| Jefferson County West Virginia | 131 | $ 20,815,000 | $ 158,000 | $ 104,000 |
| Fayette County West Virginia | 121 | $ 6,372,000 | $ 52,000 | $ 61,000 |
| Jackson County West Virginia | 100 | $ 7,420,000 | $ 74,000 | $ 66,000 |
| Mason County West Virginia | 97 | $ 5,315,000 | $ 54,000 | $ 63,000 |
| Johnson County Kentucky | 96 | $ 7,116,000 | $ 74,000 | $ 70,000 |
| Harrison County West Virginia | 81 | $ 9,493,000 | $ 117,000 | $ 80,000 |
| Fayette County Kentucky | 70 | $ 13,108,000 | $ 187,000 | $ 96,000 |
| Wayne County West Virginia | 66 | $ 4,424,000 | $ 67,000 | $ 59,000 |
| Shenandoah County Virginia | 65 | $ 6,747,000 | $ 103,000 | $ 84,000 |
| Staunton County Virginia | 64 | $ 7,817,000 | $ 122,000 | $ 73,000 |
| Mercer County West Virginia | 61 | $ 5,175,000 | $ 84,000 | $ 66,000 |
| Lincoln County West Virginia | 59 | $ 1,743,000 | $ 29,000 | $ 53,000 |
| Frederick County Virginia | 57 | $ 10,598,000 | $ 185,000 | $ 83,000 |
| Monongalia County West Virginia | 50 | $ 12,131,000 | $ 242,000 | $ 116,000 |
| Warren County Virginia | 43 | $ 4,848,000 | $ 112,000 | $ 95,000 |
| Morgan County West Virginia | 43 | $ 2,123,000 | $ 49,000 | $ 53,000 |
| Summers County West Virginia | 40 | $ 2,324,000 | $ 58,000 | $ 57,000 |
| Braxton County West Virginia | 35 | $ 2,361,000 | $ 67,000 | $ 62,000 |
| Boone County West Virginia | 32 | $ 2,660,000 | $ 83,000 | $ 67,000 |
| Pocahontas County West Virginia | 32 | $ 1,880,000 | $ 58,000 | $ 61,000 |
| Rockbridge County Virginia | 29 | $ 2,596,000 | $ 89,000 | $ 54,000 |
| Carter County Kentucky | 27 | $ 1,120,000 | $ 41,000 | $ 68,000 |
| Marion County West Virginia | 25 | $ 4,021,000 | $ 160,000 | $ 86,000 |
| Buena Vista County Virginia | 24 | $ 1,611,000 | $ 67,000 | $ 58,000 |
| Waynesboro County Virginia | 21 | $ 4,204,000 | $ 200,000 | $ 65,000 |
| Taylor County West Virginia | 17 | $ 3,215,000 | $ 189,000 | $ 102,000 |
| Monroe County West Virginia | 15 | $ 1,181,000 | $ 78,000 | $ 63,000 |
| Nicholas County West Virginia | 12 | $ 1,418,000 | $ 118,000 | $ 43,000 |
| Meigs County Ohio | 11 | $ 575,000 | $ 52,000 | $ 72,000 |
| Wyoming County West Virginia | 11 | $ 676,000 | $ 61,000 | $ 60,000 |
| Madison County Kentucky | 10 | $ 1,697,000 | $ 169,000 | $ 128,000 |
| Winchester County Virginia | 10 | $ 1,092,000 | $ 109,000 | $ 220,000 |
| Lewis County West Virginia | 10 | $ 1,321,000 | $ 132,000 | $ 83,000 |
| Lawrence County Kentucky | 9 | $ 891,000 | $ 99,000 | $ 82,000 |
| Franklin County Ohio | 9 | $ 43,850,000 | $ 4,872,000 | $ 0 |
| Gallia County Ohio | 7 | $ 798,000 | $ 114,000 | $ 105,000 |
| Scioto County Ohio | 7 | $ 384,000 | $ 54,000 | $ 61,000 |
| Clay County West Virginia | 7 | $ 272,000 | $ 38,000 | $ 55,000 |
| Roane County West Virginia | 7 | $ 650,000 | $ 92,000 | $ 64,000 |
| Woodford County Kentucky | 6 | $ 658,000 | $ 109,000 | $ 73,000 |
| Rockingham County Virginia | 6 | $ 699,000 | $ 116,000 | $ 54,000 |
| Magoffin County Kentucky | 5 | $ 414,000 | $ 82,000 | $ 48,000 |
| Logan County West Virginia | 5 | $ 765,000 | $ 153,000 | $ 151,000 |
| Preston County West Virginia | 5 | $ 1,234,000 | $ 246,000 | $ 103,000 |
| Wood County West Virginia | 5 | $ 237,000 | $ 47,000 | $ 77,000 |
| Floyd County Kentucky | 4 | $ 589,000 | $ 147,000 | $ 94,000 |
| Jessamine County Kentucky | 4 | $ 1,313,000 | $ 328,000 | $ 132,000 |
| Martin County Kentucky | 4 | $ 159,000 | $ 39,000 | $ 39,000 |
| Charleston County South Carolina | 4 | $ 1,249,000 | $ 312,000 | $ 118,000 |
| Albemarle County Virginia | 4 | $ 2,487,000 | $ 621,000 | $ 281,000 |
| Amherst County Virginia | 4 | $ 686,000 | $ 171,000 | $ 18,000 |
| Barbour County West Virginia | 4 | $ 293,000 | $ 73,000 | $ 32,000 |
| Anderson County Kentucky | 3 | $ 621,000 | $ 207,000 | $ 79,000 |
| Jefferson County Kentucky | 3 | $ 992,000 | $ 330,000 | $ 97,000 |
| Scott County Kentucky | 3 | $ 695,000 | $ 231,000 | $ 84,000 |
| Fulton County Pennsylvania | 3 | $ 194,000 | $ 64,000 | $ 169,000 |
| Clarke County Virginia | 3 | $ 621,000 | $ 207,000 | $ 121,000 |
| Nelson County Virginia | 3 | $ 726,000 | $ 242,000 | $ 99,000 |
| Virginia Beach County Virginia | 3 | $ 589,000 | $ 196,000 | $ 87,000 |
| Bourbon County Kentucky | 2 | $ 99,000 | $ 49,000 | $ 57,000 |
| Clark County Kentucky | 2 | $ 4,782,000 | $ 2,391,000 | $ 0 |
| Washington County Maryland | 2 | $ 703,000 | $ 351,000 | $ 93,000 |
| New Hanover County North Carolina | 2 | $ 7,400,000 | $ 3,700,000 | $ 0 |
| Bedford County Virginia | 2 | $ 358,000 | $ 179,000 | $ 84,000 |
| Harrisonburg County Virginia | 2 | $ 470,000 | $ 235,000 | $ 106,000 |
| James City County Virginia | 2 | $ 251,000 | $ 125,000 | $ 95,000 |
| Lexington County Virginia | 2 | $ 438,000 | $ 219,000 | $ 131,000 |
| Loudoun County Virginia | 2 | $ 667,000 | $ 333,000 | $ 196,000 |
| Rappahannock County Virginia | 2 | $ 71,000 | $ 35,000 | $ 95,000 |
| Tazewell County Virginia | 2 | $ 43,000 | $ 21,000 | $ 80,000 |
| Gilmer County West Virginia | 2 | $ 35,000 | $ 17,000 | $ 54,000 |
| Hampshire County West Virginia | 2 | $ 224,000 | $ 112,000 | $ 74,000 |
| Mingo County West Virginia | 2 | $ 189,000 | $ 94,000 | $ 87,000 |
| Randolph County West Virginia | 2 | $ 331,000 | $ 165,000 | $ 57,000 |
| Upshur County West Virginia | 2 | $ 284,000 | $ 142,000 | $ 52,000 |
| Webster County West Virginia | 2 | $ 76,000 | $ 38,000 | $ 35,000 |
| Daviess County Kentucky | 1 | $ 150,000 | $ 150,000 | $ 130,000 |
| Elliott County Kentucky | 1 | $ 5,000 | $ 5,000 | $ 27,000 |
| Franklin County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 257,000 |
| Pike County Kentucky | 1 | $ 103,000 | $ 103,000 | $ 82,000 |
| Rowan County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 67,000 |
| Warren County Kentucky | 1 | $ 2,754,000 | $ 2,754,000 | $ 0 |
| Frederick County Maryland | 1 | $ 625,000 | $ 625,000 | $ 171,000 |
| Washington County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 205,000 |
| Delaware County Ohio | 1 | $ 4,420,000 | $ 4,420,000 | $ 0 |
| Fairfield County Ohio | 1 | $ 3,250,000 | $ 3,250,000 | $ 0 |
| Hamilton County Ohio | 1 | $ 1,725,000 | $ 1,725,000 | $ 0 |
| Licking County Ohio | 1 | $ 1,740,000 | $ 1,740,000 | $ 0 |
| Marion County Ohio | 1 | $ 4,280,000 | $ 4,280,000 | $ 0 |
| Ross County Ohio | 1 | $ 5,000,000 | $ 5,000,000 | $ 0 |
| Warren County Ohio | 1 | $ 5,500,000 | $ 5,500,000 | $ 0 |
| Washington County Ohio | 1 | $ 56,000 | $ 56,000 | $ 242,000 |
| Berkeley County South Carolina | 1 | $ 600,000 | $ 600,000 | $ 135,000 |
| Horry County South Carolina | 1 | $ 2,398,000 | $ 2,398,000 | $ 0 |
| Alleghany County Virginia | 1 | $ 44,000 | $ 44,000 | $ 30,000 |
| Arlington County Virginia | 1 | $ 78,000 | $ 78,000 | $ 65,000 |
| Charlottesville County Virginia | 1 | $ 400,000 | $ 400,000 | $ 110,000 |
| Covington County Virginia | 1 | $ 50,000 | $ 50,000 | $ 122,000 |
| Fluvanna County Virginia | 1 | $ 165,000 | $ 165,000 | $ 88,000 |
| Hanover County Virginia | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Norfolk County Virginia | 1 | $ 755,000 | $ 755,000 | $ 314,000 |
| Orange County Virginia | 1 | $ 234,000 | $ 234,000 | $ 68,000 |
| Westmoreland County Virginia | 1 | $ 221,000 | $ 221,000 | $ 0 |
| Grant County West Virginia | 1 | $ 175,000 | $ 175,000 | $ 611,000 |
| Hardy County West Virginia | 1 | $ 50,000 | $ 50,000 | $ 103,000 |
| Marshall County West Virginia | 1 | $ 142,000 | $ 142,000 | $ 67,000 |
| Mineral County West Virginia | 1 | $ 22,000 | $ 22,000 | $ 86,000 |
| Pendleton County West Virginia | 1 | $ 50,000 | $ 50,000 | $ 143,000 |
| Wirt County West Virginia | 1 | $ 172,000 | $ 172,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for City National Bank Of West Virginia in 2016
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 | 1,829 | $81,385,000 | $44,000 | $4,420,000 | $68,000 | $611,000 |
| Home Purchase | 1,516 | $255,914,000 | $168,000 | $3,250,000 | $94,000 | $2,485,000 |
| Refinancing | 1,232 | $237,818,000 | $193,000 | $13,290,000 | $76,000 | $1,643,000 |
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 | 4,184 | $416,538,000 | $99,000 | $2,000,000 | $80,000 | $2,485,000 |
| Not Provided | 148 | $11,076,000 | $74,000 | $673,000 | $82,000 | $440,000 |
| Not applicable | 120 | $131,555,000 | $1,096,000 | $13,290,000 | $0 | $0 |
| Black or African American | 60 | $4,675,000 | $77,000 | $393,000 | $90,000 | $1,178,000 |
| Asian | 35 | $7,910,000 | $226,000 | $936,000 | $147,000 | $883,000 |
| Hispanic | 23 | $2,712,000 | $117,000 | $508,000 | $72,000 | $277,000 |
| American Indian or Alaskan Native | 5 | $550,000 | $110,000 | $205,000 | $64,000 | $121,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $101,000 | $50,000 | $95,000 | $66,000 | $95,000 |
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) | 4,553 | $572,503,000 | $125,000 | $13,290,000 | $79,000 | $2,485,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 24 | $2,614,000 | $108,000 | $225,000 | $39,000 | $79,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 2,727 | $406,886,000 | $149,000 | $13,290,000 | $87,000 | $2,485,000 |
| Application Denied By Financial Institution | 1,290 | $73,747,000 | $57,000 | $763,000 | $60,000 | $611,000 |
| Application Approved But Not Accepted | 298 | $29,384,000 | $98,000 | $1,725,000 | $80,000 | $674,000 |
| Application Withdrawn By Applicant | 226 | $60,114,000 | $265,000 | $5,500,000 | $87,000 | $1,643,000 |
| Preapproval Denied by Financial Institution | 36 | $4,986,000 | $138,000 | $415,000 | $49,000 | $117,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 796 | $35,474,000 | $44,000 | $450,000 | $57,000 | $428,000 |
| Debt-To-Income Ratio | 321 | $28,917,000 | $90,000 | $763,000 | $54,000 | $480,000 |
| Collateral | 164 | $10,945,000 | $66,000 | $536,000 | $78,000 | $611,000 |
| Employment History | 25 | $1,277,000 | $51,000 | $178,000 | $68,000 | $234,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,065,000 | $133,000 | $353,000 | $44,000 | $144,000 |
| Other | 7 | $600,000 | $85,000 | $180,000 | $129,000 | $344,000 |
| Unverifiable Information | 4 | $404,000 | $101,000 | $240,000 | $70,000 | $120,000 |
| Mortgage Insurance Denied | 1 | $51,000 | $51,000 | $51,000 | $40,000 | $40,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into City National Bank Of West Virginia's 2016 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.