MCNB Bank and Trust in West Virginia vs the state
5.3%Denial rate-15.93 pts vs state
5.4%Decision denial rate-21.25 pts vs state
79.0%Origination rate+24.16 pts vs state
—Median rate
—Rate spread (pts)
$82kMedian applicant income
30Loans originated
2Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 55 | 37 | 20.0% | — | #119 |
| 2024 | 35 | 28 | 11.4% | — | #156 |
| 2025 | 38 | 30 | 5.3% | — | #154 |
What MCNB Bank and Trust lends in West Virginia
By loan purpose
By loan type
Where in West Virginia
Counties with the most MCNB Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Raleigh County | 21 | 18 | 1 | 4.8% |
| Mercer County | 9 | 6 | 1 | 11.1% |
| McDowell County | 3 | 2 | 0 | 0.0% |
| Cabell County | 3 | 3 | 0 | 0.0% |
| Fayette County | 1 | 0 | 0 | 0.0% |
| Boone County | 1 | 1 | 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: 38 applications in 2025, of which 30 were originated and 2 denied.
5.3% of all applications, or 5.4% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are MCNB Bank and 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