Applications / Mortgage Analytics / Lenders / West Virginia / City National Bank of West Virginia
Charleston, WV · National bank · OCC · $6.7 billion assets · 2,944 loans in 2025
City National Bank of West Virginia's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
2,944
loans originated, 2025
4,655
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
City National Bank of West Virginia is the largest mortgage lender in Charleston, WV and Huntington-Ashland, making small, all-conventional loans, and its lending held steady in 2025 while similar banks grew.
It ranks 1 of 157 lenders in Charleston, WV, with its share up from 8.9% to 10.0%, and 1 of 237 in Huntington-Ashland, up from 9.8% to 10.4%. It has lent in both since before 1990; Rocket Mortgage is second in Charleston with $37.7M.
Among similar lenders (national banks making between half and twice as many loans), its typical loan of $105,000 was among the lowest tenth; the typical peer lent $225,000. Home improvement, 25.7% of its loans, and other purposes, 12.3%, may account for much of this. It made no FHA or VA loans.
It grew 1%, against 15% for the typical peer and 10% for the whole market. Its lending has been steady since 2018, at 3,474 loans in 2020 and 2,944 in 2025, so it had no large rise in 2020 and 2021 to fall back from.
Majority-minority areas took 0.7% of its loans, against 8.7% for the typical peer, which may reflect markets such as Charleston, Huntington-Ashland and non-metro West Virginia. Its typical rate, 6.29%, was lower than about three in four peers.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. City National Bank of West Virginia took 4,655 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 34.9% · Refinance 27.1% · Home improvement 25.7% · Other 12.3%
Conventional 100.0% · of 2,944 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| West Virginia | 1,808 | 61.4% |
| Kentucky | 643 | 21.8% |
| Virginia | 328 | 11.1% |
| Ohio | 161 | 5.5% |
| Florida | 2 | 0.1% |
| North Carolina | 1 | 0.0% |
| Pennsylvania | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Huntington-Ashland | 755 |
| Charleston | 375 |
| Beckley | 273 |
| Hagerstown-Martinsburg | 228 |
| Lexington-Fayette | 228 |
| Staunton-Stuarts Draft | 153 |
| Arlington-Alexandria-Reston | 136 |
| Winchester | 46 |
| Morgantown | 43 |
| Cincinnati | 20 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KJZ82173UB3I21 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1011526 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 114807 | 1991–2017 |
Established 1 April 1957. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: City National Bank of West Virginia's data.
City National Bank of West Virginia's data
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City National Bank of West Virginia and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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