City National Bank Of West Virginia
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
City National Bank Of West Virginia 2023 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 | 5,199 |
| Total Mortgage Loan Application Amount | $599,945,000 |
| Average Mortgage Loan Application Amount | $115,250 |
| Highest Mortgage Loan Application Amount | $2,595,000 |
| Average Applicant Income | $116,000 |
| Highest Applicant Income | $8,164,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 669 | $ 67,635,000 | $ 101,000 | $ 97,000 |
| Berkeley County West Virginia | 428 | $ 50,210,000 | $ 117,000 | $ 110,000 |
| Raleigh County West Virginia | 387 | $ 33,975,000 | $ 87,000 | $ 110,000 |
| Putnam County West Virginia | 300 | $ 38,420,000 | $ 128,000 | $ 134,000 |
| Cabell County West Virginia | 240 | $ 24,440,000 | $ 101,000 | $ 103,000 |
| Greenbrier County West Virginia | 227 | $ 21,465,000 | $ 94,000 | $ 135,000 |
| Lawrence County Ohio | 200 | $ 22,730,000 | $ 113,000 | $ 102,000 |
| Greenup County Kentucky | 187 | $ 15,725,000 | $ 84,000 | $ 102,000 |
| Boyd County Kentucky | 160 | $ 14,760,000 | $ 92,000 | $ 95,000 |
| Jefferson County West Virginia | 159 | $ 21,055,000 | $ 132,000 | $ 123,000 |
| Augusta County Virginia | 147 | $ 19,055,000 | $ 129,000 | $ 113,000 |
| Fayette County Kentucky | 110 | $ 17,550,000 | $ 159,000 | $ 117,000 |
| Harrison County West Virginia | 99 | $ 12,375,000 | $ 125,000 | $ 98,000 |
| Shenandoah County Virginia | 93 | $ 9,855,000 | $ 105,000 | $ 93,000 |
| Fayette County West Virginia | 92 | $ 6,610,000 | $ 71,000 | $ 82,000 |
| Mason County West Virginia | 90 | $ 5,570,000 | $ 61,000 | $ 70,000 |
| Wayne County West Virginia | 82 | $ 4,850,000 | $ 59,000 | $ 64,000 |
| Jackson County West Virginia | 76 | $ 6,150,000 | $ 80,000 | $ 91,000 |
| Frederick County Virginia | 75 | $ 9,725,000 | $ 129,000 | $ 144,000 |
| Staunton County Virginia | 75 | $ 10,955,000 | $ 146,000 | $ 150,000 |
| Jessamine County Kentucky | 74 | $ 16,000,000 | $ 216,000 | $ 295,000 |
| Woodford County Kentucky | 71 | $ 14,295,000 | $ 201,000 | $ 175,000 |
| Monongalia County West Virginia | 64 | $ 14,090,000 | $ 220,000 | $ 136,000 |
| Warren County Virginia | 62 | $ 5,880,000 | $ 94,000 | $ 102,000 |
| Johnson County Kentucky | 58 | $ 5,530,000 | $ 95,000 | $ 86,000 |
| Summers County West Virginia | 58 | $ 3,140,000 | $ 54,000 | $ 69,000 |
| Mercer County West Virginia | 49 | $ 4,965,000 | $ 101,000 | $ 93,000 |
| Waynesboro County Virginia | 46 | $ 7,200,000 | $ 156,000 | $ 109,000 |
| Braxton County West Virginia | 46 | $ 4,370,000 | $ 95,000 | $ 86,000 |
| Marion County West Virginia | 46 | $ 8,110,000 | $ 176,000 | $ 112,000 |
| Lincoln County West Virginia | 38 | $ 2,920,000 | $ 76,000 | $ 91,000 |
| Boone County West Virginia | 33 | $ 1,725,000 | $ 52,000 | $ 79,000 |
| Carter County Kentucky | 32 | $ 3,150,000 | $ 98,000 | $ 82,000 |
| Nicholas County Kentucky | 31 | $ 3,425,000 | $ 110,000 | $ 207,000 |
| Morgan County West Virginia | 31 | $ 3,365,000 | $ 108,000 | $ 101,000 |
| Lawrence County Kentucky | 27 | $ 2,965,000 | $ 109,000 | $ 87,000 |
| Franklin County Kentucky | 25 | $ 4,835,000 | $ 193,000 | $ 416,000 |
| Harrison County Kentucky | 25 | $ 2,365,000 | $ 94,000 | $ 101,000 |
| Scioto County Ohio | 25 | $ 2,535,000 | $ 101,000 | $ 100,000 |
| Franklin County Ohio | 22 | $ 4,160,000 | $ 189,000 | $ 128,000 |
| Rockbridge County Virginia | 22 | $ 2,640,000 | $ 120,000 | $ 80,000 |
| Montgomery County Kentucky | 21 | $ 2,625,000 | $ 125,000 | $ 82,000 |
| Garrard County Kentucky | 20 | $ 3,040,000 | $ 152,000 | $ 66,000 |
| Pocahontas County West Virginia | 19 | $ 2,295,000 | $ 120,000 | $ 192,000 |
| Winchester County Virginia | 17 | $ 1,695,000 | $ 99,000 | $ 76,000 |
| Buena Vista County Virginia | 16 | $ 850,000 | $ 53,000 | $ 83,000 |
| Monroe County West Virginia | 16 | $ 1,560,000 | $ 97,000 | $ 76,000 |
| Scott County Kentucky | 14 | $ 2,980,000 | $ 212,000 | $ 203,000 |
| Meigs County Ohio | 14 | $ 830,000 | $ 59,000 | $ 71,000 |
| Wyoming County West Virginia | 13 | $ 675,000 | $ 51,000 | $ 71,000 |
| Hamilton County Ohio | 12 | $ 3,890,000 | $ 324,000 | $ 0 |
| Taylor County West Virginia | 12 | $ 2,780,000 | $ 231,000 | $ 233,000 |
| Clark County Kentucky | 11 | $ 1,505,000 | $ 136,000 | $ 105,000 |
| Wood County West Virginia | 11 | $ 1,395,000 | $ 126,000 | $ 85,000 |
| Gallia County Ohio | 9 | $ 585,000 | $ 65,000 | $ 79,000 |
| Rockingham County Virginia | 9 | $ 2,525,000 | $ 280,000 | $ 89,000 |
| Anderson County Kentucky | 8 | $ 990,000 | $ 123,000 | $ 238,000 |
| Mercer County Kentucky | 8 | $ 1,350,000 | $ 168,000 | $ 1,783,000 |
| Delaware County Ohio | 8 | $ 2,630,000 | $ 328,000 | $ 170,000 |
| Hampshire County West Virginia | 8 | $ 990,000 | $ 123,000 | $ 94,000 |
| Nicholas County West Virginia | 8 | $ 790,000 | $ 98,000 | $ 87,000 |
| Bourbon County Kentucky | 7 | $ 3,625,000 | $ 517,000 | $ 292,000 |
| Washington County Maryland | 7 | $ 2,485,000 | $ 355,000 | $ 133,000 |
| Floyd County Kentucky | 6 | $ 850,000 | $ 141,000 | $ 93,000 |
| Madison County Kentucky | 5 | $ 1,135,000 | $ 227,000 | $ 109,000 |
| Nelson County Virginia | 5 | $ 955,000 | $ 191,000 | $ 38,000 |
| Clay County West Virginia | 5 | $ 325,000 | $ 65,000 | $ 89,000 |
| Logan County West Virginia | 5 | $ 255,000 | $ 51,000 | $ 74,000 |
| Upshur County West Virginia | 5 | $ 705,000 | $ 141,000 | $ 156,000 |
| Pike County Kentucky | 4 | $ 1,260,000 | $ 315,000 | $ 356,000 |
| Tazewell County Virginia | 4 | $ 510,000 | $ 127,000 | $ 94,000 |
| Hardy County West Virginia | 4 | $ 710,000 | $ 177,000 | $ 90,000 |
| Elliott County Kentucky | 3 | $ 145,000 | $ 48,000 | $ 51,000 |
| Kenton County Kentucky | 3 | $ 1,075,000 | $ 358,000 | $ 205,000 |
| Jackson County Ohio | 3 | $ 275,000 | $ 91,000 | $ 159,000 |
| Montgomery County Ohio | 3 | $ 2,445,000 | $ 815,000 | $ 0 |
| Albemarle County Virginia | 3 | $ 1,015,000 | $ 338,000 | $ 163,000 |
| Alleghany County Virginia | 3 | $ 125,000 | $ 41,000 | $ 63,000 |
| Barbour County West Virginia | 3 | $ 325,000 | $ 108,000 | $ 50,000 |
| Randolph County West Virginia | 3 | $ 495,000 | $ 165,000 | $ 133,000 |
| Roane County West Virginia | 3 | $ 125,000 | $ 41,000 | $ 38,000 |
| Bath County Kentucky | 2 | $ 210,000 | $ 105,000 | $ 100,000 |
| Magoffin County Kentucky | 2 | $ 120,000 | $ 60,000 | $ 58,000 |
| Perry County Kentucky | 2 | $ 600,000 | $ 300,000 | $ 241,000 |
| Union County Ohio | 2 | $ 910,000 | $ 455,000 | $ 155,000 |
| Franklin County Pennsylvania | 2 | $ 470,000 | $ 235,000 | $ 839,000 |
| Clarke County Virginia | 2 | $ 290,000 | $ 145,000 | $ 172,000 |
| Fairfax County Virginia | 2 | $ 180,000 | $ 90,000 | $ 328,000 |
| Hanover County Virginia | 2 | $ 400,000 | $ 200,000 | $ 0 |
| Lexington County Virginia | 2 | $ 310,000 | $ 155,000 | $ 128,000 |
| Loudoun County Virginia | 2 | $ 240,000 | $ 120,000 | $ 159,000 |
| Rappahannock County Virginia | 2 | $ 100,000 | $ 50,000 | $ 66,000 |
| Spotsylvania County Virginia | 2 | $ 310,000 | $ 155,000 | $ 150,000 |
| Virginia Beach County Virginia | 2 | $ 460,000 | $ 230,000 | $ 2,266,000 |
| Calhoun County West Virginia | 2 | $ 410,000 | $ 205,000 | $ 99,000 |
| Doddridge County West Virginia | 2 | $ 260,000 | $ 130,000 | $ 58,000 |
| McDowell County West Virginia | 2 | $ 80,000 | $ 40,000 | $ 47,000 |
| Preston County West Virginia | 2 | $ 760,000 | $ 380,000 | $ 133,000 |
| Tucker County West Virginia | 2 | $ 320,000 | $ 160,000 | $ 107,000 |
| Brevard County Florida | 1 | $ 125,000 | $ 125,000 | $ 322,000 |
| Okaloosa County Florida | 1 | $ 445,000 | $ 445,000 | $ 2,131,000 |
| Boone County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 144,000 |
| Daviess County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 606,000 |
| Jefferson County Kentucky | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Lee County Kentucky | 1 | $ 35,000 | $ 35,000 | $ 19,000 |
| Lewis County Kentucky | 1 | $ 15,000 | $ 15,000 | $ 65,000 |
| Lincoln County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Martin County Kentucky | 1 | $ 25,000 | $ 25,000 | $ 93,000 |
| Mason County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 91,000 |
| Menifee County Kentucky | 1 | $ 35,000 | $ 35,000 | $ 38,000 |
| Powell County Kentucky | 1 | $ 15,000 | $ 15,000 | $ 23,000 |
| Pulaski County Kentucky | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Rowan County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 56,000 |
| Shelby County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Frederick County Maryland | 1 | $ 305,000 | $ 305,000 | $ 85,000 |
| Worcester County Maryland | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Brunswick County North Carolina | 1 | $ 525,000 | $ 525,000 | $ 268,000 |
| Forsyth County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Athens County Ohio | 1 | $ 75,000 | $ 75,000 | $ 140,000 |
| Clermont County Ohio | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Greene County Ohio | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Lorain County Ohio | 1 | $ 15,000 | $ 15,000 | $ 25,000 |
| Ross County Ohio | 1 | $ 245,000 | $ 245,000 | $ 118,000 |
| Vinton County Ohio | 1 | $ 105,000 | $ 105,000 | $ 53,000 |
| Hamilton County Tennessee | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Alexandria County Virginia | 1 | $ 155,000 | $ 155,000 | $ 80,000 |
| Bland County Virginia | 1 | $ 575,000 | $ 575,000 | $ 339,000 |
| Covington County Virginia | 1 | $ 75,000 | $ 75,000 | $ 140,000 |
| Fauquier County Virginia | 1 | $ 105,000 | $ 105,000 | $ 119,000 |
| Franklin County Virginia | 1 | $ 765,000 | $ 765,000 | $ 530,000 |
| Hampton County Virginia | 1 | $ 215,000 | $ 215,000 | $ 1,032,000 |
| Harrisonburg County Virginia | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Highland County Virginia | 1 | $ 185,000 | $ 185,000 | $ 198,000 |
| Lancaster County Virginia | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Lynchburg County Virginia | 1 | $ 215,000 | $ 215,000 | $ 304,000 |
| Roanoke County Virginia | 1 | $ 25,000 | $ 25,000 | $ 57,000 |
| Roanoke City County Virginia | 1 | $ 175,000 | $ 175,000 | $ 61,000 |
| Gilmer County West Virginia | 1 | $ 175,000 | $ 175,000 | $ 42,000 |
| Lewis County West Virginia | 1 | $ 75,000 | $ 75,000 | $ 9,000 |
| Marshall County West Virginia | 1 | $ 85,000 | $ 85,000 | $ 75,000 |
| Mineral County West Virginia | 1 | $ 75,000 | $ 75,000 | $ 133,000 |
| Mingo County West Virginia | 1 | $ 65,000 | $ 65,000 | $ 51,000 |
| Pleasants County West Virginia | 1 | $ 35,000 | $ 35,000 | $ 63,000 |
Mortgage Loan Application Detail Totals for City National Bank Of West Virginia in 2023
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 | 1,474 | $86,460,000 | $58,000 | $1,005,000 | $98,000 | $1,228,000 |
| Home Purchase | 1,360 | $305,010,000 | $224,000 | $2,595,000 | $155,000 | $8,164,000 |
| Other Purpose | 1,286 | $93,970,000 | $73,000 | $1,085,000 | $97,000 | $2,884,000 |
| Refinancing | 1,079 | $114,505,000 | $106,000 | $2,365,000 | $114,000 | $6,013,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $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 | 4,348 | $460,980,000 | $106,000 | $2,595,000 | $110,000 | $8,164,000 |
| Not Provided | 384 | $46,000,000 | $119,000 | $725,000 | $165,000 | $7,600,000 |
| Not applicable | 229 | $58,715,000 | $256,000 | $2,365,000 | $0 | $0 |
| Black or African American | 114 | $10,820,000 | $94,000 | $375,000 | $78,000 | $407,000 |
| Hispanic | 60 | $8,460,000 | $141,000 | $505,000 | $93,000 | $338,000 |
| Asian | 29 | $6,595,000 | $227,000 | $1,045,000 | $178,000 | $575,000 |
| American Indian or Alaskan Native | 12 | $1,810,000 | $150,000 | $755,000 | $123,000 | $489,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $170,000 | $85,000 | $115,000 | $66,000 | $73,000 |
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) | 5,199 | $599,945,000 | $115,000 | $2,595,000 | $115,000 | $8,164,000 |
| 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 | 3,118 | $396,400,000 | $127,000 | $2,365,000 | $132,000 | $8,164,000 |
| Application Denied By Financial Institution | 1,365 | $106,775,000 | $78,000 | $2,595,000 | $82,000 | $2,266,000 |
| Application Approved But Not Accepted | 407 | $40,385,000 | $99,000 | $1,045,000 | $104,000 | $859,000 |
| Application Withdrawn By Applicant | 309 | $56,385,000 | $182,000 | $1,065,000 | $124,000 | $2,884,000 |
| 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 |
| Preapproval Denied by Financial Institution | 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 | 3,834 | $493,170,000 | $128,000 | $2,365,000 | $128,000 | $8,164,000 |
| Credit History | 761 | $46,165,000 | $60,000 | $575,000 | $81,000 | $768,000 |
| Debt-To-Income Ratio | 181 | $19,575,000 | $108,000 | $1,305,000 | $72,000 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 175 | $17,125,000 | $97,000 | $545,000 | $62,000 | $282,000 |
| Collateral | 168 | $15,490,000 | $92,000 | $2,595,000 | $97,000 | $1,425,000 |
| Other | 53 | $5,885,000 | $111,000 | $575,000 | $137,000 | $2,266,000 |
| Employment History | 19 | $1,885,000 | $99,000 | $405,000 | $84,000 | $400,000 |
| Unverifiable Information | 8 | $650,000 | $81,000 | $325,000 | $87,000 | $167,000 |
| Mortgage Insurance Denied | 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 West Virginia's 2023 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.