Citizens Bank in West Virginia vs the state
11.5%Denial rate-9.65 pts vs state
15.0%Decision denial rate-11.66 pts vs state
65.4%Origination rate+10.59 pts vs state
6.38%Median rate-0.25 pts vs state
0.28Rate spread (pts)-0.13 pts vs state
$120kMedian applicant income
17Loans originated
3Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 31 | 20 | 6.5% | 6.50% | #161 |
| 2024 | 38 | 17 | 18.4% | 6.88% | #152 |
| 2025 | 26 | 17 | 11.5% | 6.38% | #183 |
What Citizens Bank lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monongalia County | 5 | 2 | 0 | 0.0% |
| Berkeley County | 4 | 3 | 1 | 25.0% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
| Hancock County | 2 | 2 | 0 | 0.0% |
| Raleigh County | 1 | 1 | 0 | 0.0% |
| Kanawha County | 1 | 1 | 0 | 0.0% |
| Putnam County | 1 | 1 | 0 | 0.0% |
| Lewis County | 1 | 0 | 1 | 100.0% |
| Morgan County | 1 | 0 | 1 | 100.0% |
| Greenbrier 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: 26 applications in 2025, of which 17 were originated and 3 denied.
11.5% of all applications, or 15.0% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Citizens Bank originated in West Virginia in 2025 was 6.38%, against a statewide median of 6.62%.
About this data. Figures are Citizens Bank'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