First-Citizens Bank & Trust in West Virginia vs the state
17.1%Denial rate-4.05 pts vs state
18.8%Decision denial rate-7.91 pts vs state
71.4%Origination rate+16.64 pts vs state
6.00%Median rate-0.62 pts vs state
0.01Rate spread (pts)-0.39 pts vs state
$85kMedian applicant income
50Loans originated
12Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 68 | 37 | 26.5% | 6.50% | #104 |
| 2024 | 60 | 39 | 26.7% | 5.99% | #120 |
| 2025 | 70 | 50 | 17.1% | 6.00% | #110 |
What First-Citizens Bank & Trust lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most First-Citizens Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Greenbrier County | 25 | 16 | 7 | 28.0% |
| Pocahontas County | 22 | 16 | 2 | 9.1% |
| Monroe County | 5 | 5 | 0 | 0.0% |
| Berkeley County | 4 | 3 | 0 | 0.0% |
| Raleigh County | 2 | 1 | 1 | 50.0% |
| Kanawha County | 2 | 1 | 1 | 50.0% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
| Mineral County | 1 | 1 | 0 | 0.0% |
| Tucker County | 1 | 1 | 0 | 0.0% |
| Randolph County | 1 | 0 | 1 | 100.0% |
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: 70 applications in 2025, of which 50 were originated and 12 denied.
17.1% of all applications, or 18.8% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans First-Citizens Bank & Trust originated in West Virginia in 2025 was 6.00%, against a statewide median of 6.62%.
About this data. Figures are First-Citizens Bank & Trust'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