City National Bank of West Virginia in Virginia vs the state
26.4%Denial rate+10.43 pts vs state
28.2%Decision denial rate+7.93 pts vs state
64.1%Origination rate+4.54 pts vs state
6.29%Median rate-0.33 pts vs state
0.26Rate spread (pts)+0.04 pts vs state
$98kMedian applicant income
328Loans originated
135Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 587 | 331 | 31.9% | 6.25% | #90 |
| 2024 | 577 | 334 | 31.0% | 6.55% | #96 |
| 2025 | 512 | 328 | 26.4% | 6.29% | #113 |
What City National Bank of West Virginia lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most City National Bank of West Virginia applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Augusta County | 141 | 98 | 32 | 22.7% |
| Shenandoah County | 81 | 44 | 27 | 33.3% |
| Warren County | 55 | 30 | 22 | 40.0% |
| Frederick County | 54 | 34 | 14 | 25.9% |
| Staunton city | 51 | 35 | 7 | 13.7% |
| Rockbridge County | 28 | 17 | 9 | 32.1% |
| Waynesboro city | 26 | 20 | 4 | 15.4% |
| Buena Vista city | 15 | 9 | 6 | 40.0% |
| Winchester city | 11 | 8 | 2 | 18.2% |
| Rockingham County | 10 | 8 | 1 | 10.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 512 applications in 2025, of which 328 were originated and 135 denied.
26.4% of all applications, or 28.2% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans City National Bank of West Virginia originated in Virginia in 2025 was 6.29%, against a statewide median of 6.63%.
About this data. Figures are City National Bank of West Virginia's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology