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City National Bank of West Virginia
Bank|Charleston, WV|Multi-Region
Loans Originated
974
Applications
1,485
Volume
$205 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Strong
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.121%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
-$49
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
65.6%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 12.10 basis points below market average
- Lower than average lender fees
- Strong pull through performance
Report Card
City National Bank of West Virginia performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 9 metro areas · 6 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$211,099
Average Borrower Income
$117,506
Average Property Value
$281,150
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Exceptional | Strong | Strong | 969 | 99.5% | -0.120% | -$51 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Exceptional | Sound | 675 | 69.3% | -0.300% | -$136 |
Refinance | Sound | Strong | Mediocre | Strong | 299 | 30.7% | +0.264% | $137 |
Geographic Coverage
Metro Areas
8
States Served
6
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
FLKYMDOHVAWV
Top Metro Areas by Place Specialization Score
1
HuntingtonMSA
Volume: 294Mix: 30.18%
Place Specialization
Exceptional
2
Charleston, WV, WVMSA
Volume: 132Mix: 13.55%
Place Specialization
Exceptional
3
Beckley, WV, WVMSA
Volume: 102Mix: 10.47%
Place Specialization
Exceptional
4
Hagerstown, MD-WVMSA
Volume: 69Mix: 7.08%
Place Specialization
Strong
5
Staunton, VAMSA
Volume: 41Mix: 4.21%
Place Specialization
Strong
6
Morgantown, WV, WVMSA
Volume: 40Mix: 4.11%
Place Specialization
Strong
7
Lexington, KYMSA
Volume: 45Mix: 4.62%
Place Specialization
Strong
8
Arlington, VA-WVMSA
Volume: 16Mix: 1.64%
Place Specialization
Sound
Top States by Place Specialization Score
1
WVState
Volume: 635Mix: 65.20%
Place Specialization
Exceptional
2
KYState
Volume: 191Mix: 19.61%
Place Specialization
Strong
3
VAState
Volume: 77Mix: 7.91%
Place Specialization
Strong
4
OHState
Volume: 67Mix: 6.88%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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