Purchase Originations
643
Ranked #537 nationally
Median Total Costs
$2,165
−67.6% vs national ($6,680)
↑ $31 vs prior year
Median Rate
6.290%
−3.1% vs national (6.490%)
↓ 0.210% vs prior year
Median Origination
$600
Median Lender Credits
$750
Cost Rank (500+ vol.)
#15
among lenders with 500+ originations
Denial Rate
9.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 643 | 6.290% | $2,165 | $600 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| West Virginia | 415 | 6.290% | $2,231 | #9 |
| Kentucky | 150 | 6.290% | $1,923 | #67 |
| Ohio | 41 | 6.290% | $2,040 | — |
| Virginia | 36 | 6.290% | $2,946 | — |
| North Carolina | 1 | 6.350% | $3,243 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,831 | 6.290% | — | 10 | −$334 | |
| 2 | $1,876 | 6.290% | — | 35 | −$289 | |
| 3 | $1,896 | 6.290% | — | 8 | −$269 | |
| 4 | $1,960 | 6.290% | — | 21 | −$205 | |
| 5 | $1,991 | 6.290% | — | 27 | −$174 | |
| 6 | $1,992 | 6.290% | — | 24 | −$173 | |
| 7 | $2,026 | 6.290% | — | 36 | −$139 | |
| 8 | $2,126 | 6.290% | — | 19 | −$39 | |
| 9 | $2,133 | 6.150% | — | 39 | −$32 | |
| 10 | $2,134 | 6.290% | — | 29 | −$31 | |
| 11 | $2,141 | 6.095% | — | 8 | −$24 | |
| 12 | $2,243 | 6.290% | — | 12 | +$78 | |
| 13 | $2,251 | 6.250% | — | 91 | +$86 | |
| 14 | $2,256 | 6.150% | — | 34 | +$91 | |
| 15 | $2,270 | 6.290% | — | 37 | +$105 | |
| 16 | $2,361 | 6.290% | — | 12 | +$196 | |
| 17 | $2,412 | 6.150% | — | 22 | +$247 | |
| 18 | $2,432 | 6.290% | — | 41 | +$267 | |
| 19 | $2,505 | 6.290% | — | 10 | +$340 | |
| 20 | $2,809 | 6.290% | — | 14 | +$644 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | City National Bank of West Virginia | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $2,165 | $7,127 | −$4,962 (−69.6%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.