City National Bank of Wv Mortgage Lending & HMDA Data, 2021

In 2021, City National Bank of Wv of Cross Lanes, WV reported 5,186 mortgage applications totaling $698.8 million, down 4% from 2020. The average application was for $134,751, and applicants reported an average income of $95,316. 62% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Huntington-Ashland, WV-KY-OH (1,313), Charleston, WV (890) and Beckley, WV (529) (applications in parentheses).

Mortgage Company & Address City National Bank of Wv
25 Gatewater Road
Cross Lanes, WV 25313
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  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 5,186
Total Mortgage Loan Application Amount $698,820,000
Average Mortgage Loan Application Amount $134,751
Highest Mortgage Loan Application Amount $3,605,000
Average Applicant Income $95,316
Highest Applicant Income $7,075,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records City National Bank of Wv filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for City National Bank of Wv by County in 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Kanawha, West Virginia 730 $ 74,640,000 $ 102,246 $ 87,000
Raleigh, West Virginia 422 $ 40,430,000 $ 95,805 $ 77,000
Berkeley, West Virginia 362 $ 53,060,000 $ 146,574 $ 115,000
Putnam, West Virginia 295 $ 41,425,000 $ 140,423 $ 111,000
Greenbrier, West Virginia 279 $ 36,395,000 $ 130,448 $ 91,000
Cabell, West Virginia 257 $ 31,015,000 $ 120,680 $ 103,000
Lawrence, Ohio 221 $ 25,645,000 $ 116,040 $ 90,000
Boyd, Kentucky 210 $ 25,350,000 $ 120,714 $ 98,000
Greenup, Kentucky 204 $ 20,990,000 $ 102,892 $ 79,000
Jefferson, West Virginia 145 $ 21,505,000 $ 148,310 $ 129,000
Augusta, Virginia 119 $ 19,445,000 $ 163,403 $ 141,000
Fayette, West Virginia 107 $ 8,705,000 $ 81,355 $ 68,000
Harrison, West Virginia 104 $ 15,900,000 $ 152,884 $ 87,000
Fayette, Kentucky 84 $ 16,070,000 $ 191,309 $ 153,000
Shenandoah, Virginia 81 $ 11,235,000 $ 138,703 $ 90,000
Wayne, West Virginia 78 $ 6,100,000 $ 78,205 $ 71,000
Mason, West Virginia 74 $ 5,200,000 $ 70,270 $ 67,000
Jackson, West Virginia 72 $ 7,110,000 $ 98,750 $ 68,000
Summers, West Virginia 63 $ 5,535,000 $ 87,857 $ 63,000
Frederick, Virginia 62 $ 8,240,000 $ 132,903 $ 113,000
Monongalia, West Virginia 61 $ 13,915,000 $ 228,114 $ 115,000
Staunton, Virginia 60 $ 11,150,000 $ 185,833 $ 81,000
Jessamine, Kentucky 58 $ 12,700,000 $ 218,965 $ 168,000
Lincoln, West Virginia 57 $ 3,695,000 $ 64,824 $ 65,000
Johnson, Kentucky 53 $ 5,465,000 $ 103,113 $ 83,000
Warren, Virginia 52 $ 6,350,000 $ 122,115 $ 113,000
Carter, Kentucky 48 $ 6,550,000 $ 136,458 $ 81,000
Marion, West Virginia 43 $ 6,735,000 $ 156,627 $ 79,000
Braxton, West Virginia 42 $ 3,300,000 $ 78,571 $ 76,000
Mercer, West Virginia 41 $ 4,245,000 $ 103,536 $ 79,000
Lawrence, Kentucky 35 $ 3,145,000 $ 89,857 $ 81,000
Waynesboro, Virginia 35 $ 6,025,000 $ 172,142 $ 71,000
Harrison, Kentucky 32 $ 2,540,000 $ 79,375 $ 71,000
Pocahontas, West Virginia 31 $ 2,885,000 $ 93,064 $ 73,000
Morgan, West Virginia 30 $ 2,940,000 $ 98,000 $ 96,000
Scioto, Ohio 28 $ 3,160,000 $ 112,857 $ 81,000
Montgomery, Kentucky 25 $ 3,015,000 $ 120,600 $ 121,000
Nicholas, Kentucky 25 $ 1,825,000 $ 73,000 $ 60,000
Boone, West Virginia 25 $ 2,655,000 $ 106,200 $ 79,000
Rockbridge, Virginia 22 $ 3,000,000 $ 136,363 $ 73,000
Monroe, West Virginia 19 $ 1,485,000 $ 78,157 $ 80,000
Nicholas, West Virginia 19 $ 1,615,000 $ 85,000 $ 69,000
Gallia, Ohio 18 $ 3,970,000 $ 220,555 $ 79,000
Hamilton, Ohio 18 $ 4,350,000 $ 241,666 $ 369,000
Winchester, Virginia 12 $ 1,650,000 $ 137,500 $ 116,000
Buena Vista, Virginia 10 $ 520,000 $ 52,000 $ 68,000
Scott, Kentucky 9 $ 2,915,000 $ 323,888 $ 110,000
Dallas, Texas 9 $ 7,335,000 $ 815,000 $ 0
Wyoming, West Virginia 9 $ 365,000 $ 40,555 $ 53,000
Magoffin, Kentucky 8 $ 690,000 $ 86,250 $ 106,000
Franklin, Ohio 8 $ 4,140,000 $ 517,500 $ 95,000
Meigs, Ohio 8 $ 390,000 $ 48,750 $ 69,000
Wood, West Virginia 8 $ 1,070,000 $ 133,750 $ 103,000
Floyd, Kentucky 7 $ 1,115,000 $ 159,285 $ 84,000
Montgomery, Ohio 7 $ 8,465,000 $ 1,209,285 $ 0
Nelson, Virginia 7 $ 1,835,000 $ 262,142 $ 132,000
Lewis, West Virginia 7 $ 925,000 $ 132,142 $ 86,000
Taylor, West Virginia 7 $ 1,385,000 $ 197,857 $ 112,000
Franklin, Kentucky 6 $ 640,000 $ 106,666 $ 68,000
Garrard, Kentucky 6 $ 940,000 $ 156,666 $ 52,000
Clay, West Virginia 6 $ 410,000 $ 68,333 $ 73,000
Logan, West Virginia 6 $ 490,000 $ 81,666 $ 75,000
Bourbon, Kentucky 5 $ 555,000 $ 111,000 $ 119,000
Clark, Kentucky 5 $ 885,000 $ 177,000 $ 96,000
Hampshire, West Virginia 5 $ 745,000 $ 149,000 $ 120,000
Fulton, Georgia 4 $ 2,740,000 $ 685,000 $ 0
Bath, Kentucky 4 $ 520,000 $ 130,000 $ 77,000
Fleming, Kentucky 4 $ 400,000 $ 100,000 $ 94,000
Lewis, Kentucky 4 $ 120,000 $ 30,000 $ 89,000
Washington, Maryland 4 $ 510,000 $ 127,500 $ 52,000
Williamson, Tennessee 4 $ 2,750,000 $ 687,500 $ 0
Harris, Texas 4 $ 2,670,000 $ 667,500 $ 0
Clarke, Virginia 4 $ 270,000 $ 67,500 $ 215,000
Fairfax, Virginia 4 $ 2,330,000 $ 582,500 $ 219,000
Calhoun, West Virginia 4 $ 520,000 $ 130,000 $ 57,000
Hardy, West Virginia 4 $ 1,190,000 $ 297,500 $ 150,000
Mercer, Kentucky 3 $ 405,000 $ 135,000 $ 260,000
Howard, Maryland 3 $ 1,875,000 $ 625,000 $ 0
Delaware, Ohio 3 $ 4,175,000 $ 1,391,666 $ 125,000
Collin, Texas 3 $ 2,215,000 $ 738,333 $ 0
Tarrant, Texas 3 $ 2,175,000 $ 725,000 $ 0
Travis, Texas 3 $ 2,525,000 $ 841,666 $ 0
Albemarle, Virginia 3 $ 395,000 $ 131,666 $ 69,000
Loudoun, Virginia 3 $ 1,145,000 $ 381,666 $ 278,000
Rockingham, Virginia 3 $ 125,000 $ 41,666 $ 77,000
Tazewell, Virginia 3 $ 145,000 $ 48,333 $ 213,000
Preston, West Virginia 3 $ 505,000 $ 168,333 $ 78,000
Webster, West Virginia 3 $ 145,000 $ 48,333 $ 54,000
Boone, Kentucky 2 $ 250,000 $ 125,000 $ 0
Elliott, Kentucky 2 $ 150,000 $ 75,000 $ 63,000
Kenton, Kentucky 2 $ 270,000 $ 135,000 $ 0
Madison, Kentucky 2 $ 250,000 $ 125,000 $ 64,000
Morgan, Kentucky 2 $ 250,000 $ 125,000 $ 86,000
Woodford, Kentucky 2 $ 630,000 $ 315,000 $ 113,000
Anne Arundel, Maryland 2 $ 1,400,000 $ 700,000 $ 0
Montgomery, Maryland 2 $ 2,050,000 $ 1,025,000 $ 0
Wake, North Carolina 2 $ 1,910,000 $ 955,000 $ 0
Washington, Ohio 2 $ 2,310,000 $ 1,155,000 $ 100,000
Franklin, Pennsylvania 2 $ 430,000 $ 215,000 $ 71,000
Charleston, South Carolina 2 $ 960,000 $ 480,000 $ 0
Horry, South Carolina 2 $ 740,000 $ 370,000 $ 1,449,000
Alleghany, Virginia 2 $ 290,000 $ 145,000 $ 76,000
Arlington, Virginia 2 $ 1,940,000 $ 970,000 $ 0
Bath, Virginia 2 $ 210,000 $ 105,000 $ 31,000
Lexington, Virginia 2 $ 560,000 $ 280,000 $ 204,000
Virginia Beach, Virginia 2 $ 260,000 $ 130,000 $ 909,000
Doddridge, West Virginia 2 $ 290,000 $ 145,000 $ 34,000
Gilmer, West Virginia 2 $ 670,000 $ 335,000 $ 120,000
Grant, West Virginia 2 $ 160,000 $ 80,000 $ 57,000
Roane, West Virginia 2 $ 90,000 $ 45,000 $ 37,000
Tucker, West Virginia 2 $ 530,000 $ 265,000 $ 133,000
Baldwin, Alabama 1 $ 675,000 $ 675,000 $ 0
Jefferson, Alabama 1 $ 865,000 $ 865,000 $ 0
Douglas, Colorado 1 $ 655,000 $ 655,000 $ 1,781,000
District of Columbia, District Of Columbia 1 $ 1,055,000 $ 1,055,000 $ 0
Cobb, Georgia 1 $ 575,000 $ 575,000 $ 0
Fayette, Georgia 1 $ 995,000 $ 995,000 $ 0
Bracken, Kentucky 1 $ 65,000 $ 65,000 $ 83,000
Campbell, Kentucky 1 $ 105,000 $ 105,000 $ 0
Daviess, Kentucky 1 $ 105,000 $ 105,000 $ 2,025,000
Grayson, Kentucky 1 $ 45,000 $ 45,000 $ 47,000
Laurel, Kentucky 1 $ 155,000 $ 155,000 $ 52,000
Martin, Kentucky 1 $ 55,000 $ 55,000 $ 70,000
Menifee, Kentucky 1 $ 105,000 $ 105,000 $ 77,000
Oldham, Kentucky 1 $ 45,000 $ 45,000 $ 66,000
Owen, Kentucky 1 $ 95,000 $ 95,000 $ 189,000
Pendleton, Kentucky 1 $ 285,000 $ 285,000 $ 71,000
Wolfe, Kentucky 1 $ 35,000 $ 35,000 $ 125,000
Garrett, Maryland 1 $ 135,000 $ 135,000 $ 270,000
Worcester, Maryland 1 $ 735,000 $ 735,000 $ 0
Clark, Nevada 1 $ 615,000 $ 615,000 $ 256,000
Iredell, North Carolina 1 $ 275,000 $ 275,000 $ 62,000
Mecklenburg, North Carolina 1 $ 805,000 $ 805,000 $ 0
New Hanover, North Carolina 1 $ 905,000 $ 905,000 $ 0
Butler, Ohio 1 $ 45,000 $ 45,000 $ 0
Clark, Ohio 1 $ 945,000 $ 945,000 $ 0
Columbiana, Ohio 1 $ 295,000 $ 295,000 $ 179,000
Fairfield, Ohio 1 $ 385,000 $ 385,000 $ 112,000
Greene, Ohio 1 $ 2,305,000 $ 2,305,000 $ 0
Morrow, Ohio 1 $ 95,000 $ 95,000 $ 38,000
Bucks, Pennsylvania 1 $ 705,000 $ 705,000 $ 0
Fayette, Pennsylvania 1 $ 235,000 $ 235,000 $ 122,000
Fulton, Pennsylvania 1 $ 25,000 $ 25,000 $ 91,000
Davidson, Tennessee 1 $ 915,000 $ 915,000 $ 0
Sevier, Tennessee 1 $ 455,000 $ 455,000 $ 0
Shelby, Tennessee 1 $ 655,000 $ 655,000 $ 0
Comal, Texas 1 $ 635,000 $ 635,000 $ 0
Denton, Texas 1 $ 775,000 $ 775,000 $ 0
Lampasas, Texas 1 $ 585,000 $ 585,000 $ 0
Lubbock, Texas 1 $ 615,000 $ 615,000 $ 0
Midland, Texas 1 $ 605,000 $ 605,000 $ 0
Rockwall, Texas 1 $ 715,000 $ 715,000 $ 0
Bedford, Virginia 1 $ 185,000 $ 185,000 $ 67,000
Campbell, Virginia 1 $ 225,000 $ 225,000 $ 93,000
Fauquier, Virginia 1 $ 55,000 $ 55,000 $ 150,000
Hanover, Virginia 1 $ 215,000 $ 215,000 $ 0
Harrisonburg, Virginia 1 $ 125,000 $ 125,000 $ 300,000
Highland, Virginia 1 $ 115,000 $ 115,000 $ 60,000
Norfolk, Virginia 1 $ 615,000 $ 615,000 $ 0
Page, Virginia 1 $ 65,000 $ 65,000 $ 75,000
Portsmouth, Virginia 1 $ 285,000 $ 285,000 $ 92,000
Prince William, Virginia 1 $ 55,000 $ 55,000 $ 21,000
Rappahannock, Virginia 1 $ 555,000 $ 555,000 $ 151,000
Barbour, West Virginia 1 $ 275,000 $ 275,000 $ 53,000
McDowell, West Virginia 1 $ 25,000 $ 25,000 $ 54,000
Mineral, West Virginia 1 $ 275,000 $ 275,000 $ 104,000
Ohio, West Virginia 1 $ 245,000 $ 245,000 $ 80,000
Pendleton, West Virginia 1 $ 255,000 $ 255,000 $ 104,000
Randolph, West Virginia 1 $ 135,000 $ 135,000 $ 69,000
Upshur, West Virginia 1 $ 115,000 $ 115,000 $ 62,000

Mortgage Loan Application Detail Totals for City National Bank of Wv in 2021

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
Refinancing 1,765 $261,825,000 $148,000 $3,605,000 $91,000 $2,500,000
Home Purchase 1,412 $297,620,000 $210,000 $3,505,000 $105,000 $7,075,000
Home Improvement 1,117 $66,775,000 $59,000 $945,000 $94,000 $2,025,000
Other Purpose 890 $71,930,000 $80,000 $755,000 $90,000 $638,000
Cash-out Refinancing 1 $665,000 $665,000 $665,000 $242,000 $242,000
Not Applicable 1 $5,000 $5,000 $5,000 $0 $0

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 4,490 $530,210,000 $118,000 $1,075,000 $93,000 $7,075,000
Not Provided 285 $32,725,000 $114,000 $635,000 $122,000 $5,675,000
Not applicable 262 $116,340,000 $444,000 $3,605,000 $0 $0
Black or African American 67 $6,145,000 $91,000 $325,000 $81,000 $550,000
Hispanic 33 $5,705,000 $172,000 $705,000 $118,000 $600,000
Asian 28 $4,770,000 $170,000 $595,000 $167,000 $651,000
American Indian or Alaskan Native 9 $1,235,000 $137,000 $265,000 $82,000 $134,000
Native Hawaiian or Other Pacific Islander 1 $65,000 $65,000 $65,000 $57,000 $57,000

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) 5,186 $698,820,000 $134,000 $3,605,000 $95,000 $7,075,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
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 3,238 $458,570,000 $141,000 $3,605,000 $108,000 $7,075,000
Application Denied By Financial Institution 1,091 $90,315,000 $82,000 $1,075,000 $69,000 $700,000
Application Approved But Not Accepted 470 $49,870,000 $106,000 $705,000 $89,000 $1,279,000
Application Withdrawn By Applicant 324 $51,810,000 $159,000 $705,000 $78,000 $500,000
Loan Purchased By The Institution 63 $48,255,000 $765,000 $1,095,000 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0
File Closed For Incompleteness 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
Not applicable 4,095 $608,505,000 $148,000 $3,605,000 $103,000 $7,075,000
Credit History 538 $36,590,000 $68,000 $805,000 $71,000 $282,000
Debt-To-Income Ratio 265 $25,655,000 $96,000 $1,075,000 $57,000 $230,000
Collateral 171 $14,765,000 $86,000 $645,000 $85,000 $700,000
Other 98 $10,960,000 $111,000 $635,000 $55,000 $192,000
Employment History 16 $1,580,000 $98,000 $385,000 $74,000 $146,000
Insufficient Cash (Downpayment, Closing Cost) 3 $765,000 $255,000 $505,000 $66,000 $89,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into City National Bank of Wv's 2021 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 Wv'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.
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