MCNB Bank and Trust Co.
MCNB Bank and Trust Co. received 45 applications in 2025 and made 35 mortgages, in 10 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $95,000. Of 44 decisions, 3 were denials — 6.8%.
| Legal Entity Identifier | 549300JRZJXS01TP9N73 |
|---|---|
| Applications received | 45 |
| Mortgages made | 35 |
| Denied | 3 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 1 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: MCNB Bank and Trust Co., 8 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 11 | Not published | $95,000 | 0.0% |
| Refinancing | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 10 | Not published | $105,000 | 14.3% |
| Other purposes | 9 | Under 10 loans | Under 10 loans | 10.0% |
Where MCNB Bank and Trust Co. lends most
The 10 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Raleigh County, WV | 18 | Not published | 4.8% |
| Mercer County, WV | 6 | Under 10 loans | 11.1% |
| Tazewell County, VA | 3 | Under 10 loans | 25.0% |
| Cabell County, WV | 3 | Under 10 loans | 0.0% |
| McDowell County, WV | 2 | Under 10 loans | 0.0% |
| Russell County, VA | 1 | Under 10 loans | 0.0% |
| Roanoke city, VA | 1 | Under 10 loans | 0.0% |
| Boone County, WV | 1 | Under 10 loans | 0.0% |
| Washington County, OH | 0 | Under 10 loans | 0.0% |
| Fayette County, WV | 0 | Under 10 loans | 0.0% |
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When MCNB Bank and Trust Co.’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.