City National Bank of West Virginia in Kentucky vs the state
25.3%Denial rate+6.51 pts vs state
27.2%Decision denial rate+3.71 pts vs state
63.4%Origination rate+5.31 pts vs state
6.29%Median rate-0.46 pts vs state
0.22Rate spread (pts)-0.09 pts vs state
$86kMedian applicant income
643Loans originated
257Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 887 | 565 | 23.3% | 6.20% | #46 |
| 2024 | 916 | 572 | 22.8% | 6.61% | #46 |
| 2025 | 1,015 | 643 | 25.3% | 6.29% | #41 |
What City National Bank of West Virginia lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most City National Bank of West Virginia applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Greenup County | 195 | 126 | 49 | 25.1% |
| Boyd County | 144 | 92 | 32 | 22.2% |
| Fayette County | 112 | 80 | 20 | 17.9% |
| Woodford County | 103 | 68 | 21 | 20.4% |
| Jessamine County | 89 | 68 | 15 | 16.9% |
| Franklin County | 51 | 34 | 13 | 25.5% |
| Johnson County | 48 | 25 | 18 | 37.5% |
| Carter County | 42 | 26 | 11 | 26.2% |
| Nicholas County | 36 | 15 | 17 | 47.2% |
| Harrison County | 25 | 13 | 9 | 36.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 1,015 applications in 2025, of which 643 were originated and 257 denied.
25.3% of all applications, or 27.2% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans City National Bank of West Virginia originated in Kentucky in 2025 was 6.29%, against a statewide median of 6.75%.
About this data. Figures are City National Bank of West Virginia's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology