# City National Bank of West Virginia

> **Canonical URL:** https://saferate.com/lenders/city-national-bank-of-west-virginia

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

City National Bank of West Virginia is a bank, headquartered in Charleston, WV, serving borrowers across 6 states, with 974 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 39% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 30% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300KJZ82173UB3I21
- **Headquarters:** Charleston, WV
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** FL, KY, MD, OH, VA, WV
- **Markets (MSAs):** 9
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.7%
- **Brokered/Wholesale:** 0.3%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.121%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-49
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 974
- **Dollar Volume:** $206 million
- **Applications Received:** 1,485
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $211,099
- **Average Borrower Income:** $117,506

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 81/100 | 969 | -0.120% | $-51 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 672 loans, Score: 78/100 (Strong)
- Refinance: 297 loans, Score: 81/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 74/100 | 675 | $166M | -0.300% | Strong 😀 |
| Refinance | 79/100 | 299 | $40M | +0.264% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WV | 635 | 4.11% | 100/100 |
| KY | 191 | 0.41% | 75/100 |
| VA | 77 | 0.07% | 61/100 |
| OH | 67 | 0.05% | 56/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Huntington |  | 294 | 100/100 |
| Non |  | 212 | 63/100 |
| Charleston, WV | WV | 132 | 100/100 |
| Beckley, WV | WV | 102 | 100/100 |
| Hagerstown | MD-WV | 69 | 74/100 |
| Lexington | KY | 45 | 65/100 |
| Staunton | VA | 41 | 71/100 |
| Morgantown, WV | WV | 40 | 70/100 |
| Arlington | VA-WV | 16 | 44/100 |

## Frequently Asked Questions

### What loan types does City National Bank of West Virginia offer?

City National Bank of West Virginia offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does City National Bank of West Virginia offer mortgages?

City National Bank of West Virginia offers mortgages in 6 states: FL, KY, MD, OH, VA, WV.

### How competitive are City National Bank of West Virginia's mortgage rates?

City National Bank of West Virginia has a pricing score of 61/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.121% below market average.

### What type of lender is City National Bank of West Virginia?

City National Bank of West Virginia is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Charleston, WV.

### What is City National Bank of West Virginia's loan approval success rate?

City National Bank of West Virginia has a pull-through score of 70/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/city-national-bank-of-west-virginia

### How to Cite

> "City National Bank of West Virginia Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/city-national-bank-of-west-virginia

---

**[View Interactive Profile →](https://saferate.com/lenders/city-national-bank-of-west-virginia)**