Community Trust Bank in West Virginia vs the state
15.2%Denial rate-6.04 pts vs state
16.9%Decision denial rate-9.77 pts vs state
74.6%Origination rate+19.76 pts vs state
6.50%Median rate-0.12 pts vs state
0.19Rate spread (pts)-0.21 pts vs state
$86kMedian applicant income
123Loans originated
25Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 119 | 86 | 18.5% | 8.25% | #77 |
| 2024 | 114 | 87 | 10.5% | 7.75% | #81 |
| 2025 | 165 | 123 | 15.2% | 6.50% | #71 |
What Community Trust 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 Community Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mingo County | 39 | 25 | 9 | 23.1% |
| Cabell County | 31 | 29 | 1 | 3.2% |
| Nicholas County | 19 | 16 | 2 | 10.5% |
| Wayne County | 19 | 12 | 4 | 21.1% |
| Lincoln County | 12 | 9 | 2 | 16.7% |
| Kanawha County | 10 | 6 | 1 | 10.0% |
| Logan County | 9 | 6 | 2 | 22.2% |
| Boone County | 3 | 1 | 1 | 33.3% |
| Putnam County | 3 | 2 | 0 | 0.0% |
| Fayette County | 3 | 2 | 1 | 33.3% |
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: 165 applications in 2025, of which 123 were originated and 25 denied.
15.2% of all applications, or 16.9% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Community Trust Bank originated in West Virginia in 2025 was 6.50%, against a statewide median of 6.62%.
About this data. Figures are Community Trust 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