Get & compare mortgage quotes anonymously Start in My Home
CNBW
Unclaimed

City National Bank of West Virginia

Bank•Charleston, WVHQ•Direct•Reviews near you on Google

We analyzed every closed loan from City National Bank of West Virginia — 974 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
Conventional
Place
Strong
4/5
Multi-Region · 8 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 12.10 basis points below market average
  • Lower than average lender fees
  • Strong pull through performance

Explore another lender or local market

Report Card

City National Bank of West Virginia performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 12.1 bps below market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
969 loans · 0.12% below market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
675 loans · 0.30% below market
Strong
Top 40% of lenders
4/5
Refinance
299 loans · 0.26% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Exceptional
Pricing
Strong
Pull Through
Strong
Volume969
Mix99.5%
Spread
-0.120%Below
Fees
$51Credit

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume675
Mix69.3%
Spread
-0.300%Below
Fees
$136Credit
Refinance
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Strong
Volume299
Mix30.7%
Spread
+0.264%Above
Fees
$137Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
974
Applications
1,485
Volume
$205 million
Pricing & Closing
Avg Rate Spread
-0.121%
vs. market APOR
Avg Net Fees
$-49
Origination − Credits
Pullthrough Rate
65.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$211,099
Avg Borrower Income
$117,506
Avg Property Value
$281,150

Geographic Coverage

Geographic Performance

Metro Areas
8
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

6Full-year 2024 · HMDA
6 states with loan originations
Loans originated
< 5050–100100–200200+None
Midwest1
OH
South5
FLKYMDVAWV

Top Metro Areas by Place Specialization Score

1© DelanoPatterson · CC0
HuntingtonMetro
Volume 294Mix 30.18% of portfolio
100/100
Exceptional
2© WeaponizingArchitecture · CC BY-SA 4.0
Charleston, WVMetro
Volume 132Mix 13.55% of portfolio
100/100
Exceptional
3© JerryWeston · CC BY-SA 4.0
Beckley, WVMetro
Volume 102Mix 10.47% of portfolio
100/100
Exceptional
4© Vpuliva · Public domain
Hagerstown, MD-WVMetro
Volume 69Mix 7.08% of portfolio
74/100
Strong
5© ~delta · CC BY-SA 4.0
Staunton, VAMetro
Volume 41Mix 4.21% of portfolio
71/100
Strong
6© Andre Carrotflower · CC BY-SA 4.0
Morgantown, WVMetro
Volume 40Mix 4.11% of portfolio
70/100
Strong
7© J654567 · CC BY-SA 3.0
Lexington, KYMetro
Volume 45Mix 4.62% of portfolio
65/100
Strong
8© Billy Hathorn · CC BY-SA 3.0
Arlington, VA-WVMetro
Volume 16Mix 1.64% of portfolio
44/100
Sound

Top States by Place Specialization Score

West Virginia
West Virginia
1
West VirginiaState
Volume 635Mix 65.20% of portfolio
100/100
Exceptional
Kentucky
Kentucky
2
KentuckyState
Volume 191Mix 19.61% of portfolio
75/100
Strong
Virginia
Virginia
3
VirginiaState
Volume 77Mix 7.91% of portfolio
61/100
Strong
Ohio
Ohio
4
OhioState
Volume 67Mix 6.88% of portfolio
56/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

Are you the owner of City National Bank of West Virginia?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.