Citibank in West Virginia vs the state
37.5%Denial rate+16.31 pts vs state
81.8%Decision denial rate+55.16 pts vs state
4.2%Origination rate-50.62 pts vs state
6.00%Median rate-0.62 pts vs state
-0.61Rate spread (pts)-1.01 pts vs state
$110kMedian applicant income
1Loans originated
9Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 20 | 2 | 5.0% | 6.31% | #186 |
| 2024 | 20 | 5 | 20.0% | 6.38% | #198 |
| 2025 | 24 | 1 | 37.5% | 6.00% | #189 |
What Citibank lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Citibank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fayette County | 4 | 0 | 2 | 50.0% |
| Berkeley County | 3 | 0 | 1 | 33.3% |
| Jefferson County | 3 | 0 | 2 | 66.7% |
| Upshur County | 3 | 0 | 0 | 0.0% |
| Putnam County | 2 | 0 | 2 | 100.0% |
| Marion County | 2 | 0 | 0 | 0.0% |
| Mineral County | 1 | 0 | 1 | 100.0% |
| Cabell County | 1 | 0 | 0 | 0.0% |
| Tucker County | 1 | 1 | 0 | 0.0% |
| Morgan County | 1 | 0 | 0 | 0.0% |
Other large lenders in West Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 3,615 | 23.0% | 6.88% |
| Vanderbilt Mortgage and Finance | F | 3,214 | 38.5% | 9.99% |
| City National Bank of West Virginia | C | 2,870 | 25.0% | 6.29% |
| The Huntington National Bank | D | 2,194 | 28.1% | 7.00% |
| Truist Bank | C | 1,776 | 31.1% | 6.63% |
| Loandepot.Com | D | 1,624 | 18.7% | 6.58% |
| Mortgage Research Center | C | 1,592 | 17.4% | 6.25% |
| WesBanco Bank | B | 1,475 | 16.7% | 6.01% |
| Movement Mortgage | A | 1,167 | 5.4% | 6.63% |
| Crosscountry Mortgage | B | 1,140 | 4.0% | 6.58% |
Frequently asked questions
West Virginia: 24 applications in 2025, of which 1 were originated and 9 denied.
37.5% of all applications, or 81.8% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Citibank originated in West Virginia in 2025 was 6.00%, against a statewide median of 6.62%.
About this data. Figures are Citibank's own HMDA filing for properties located in West Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology