CHARLESTON Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Charleston averaged 6.76% for the week of 2022-11-23, compared to the national average of 6.58% for the same period.

The average rate for the prior week (2022-11-17) was 7.09% and one month ago for the week of 2022-10-20, the average rate was 7.02%.

Charleston's average rate one year ago was 3.53%.

For refis of the same type during the week of 2022-11-23, the average rate was 6.86%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-11-23 6.58%
Charleston 30 Year Fixed Rate 2022-11-23 6.76%
Charleston 30 Year Fixed Rate Refi 2022-11-23 6.86%
Charleston 15 Year Fixed Rate 2022-11-23 6.43%
Charleston 15 Year Fixed Rate Refi 2022-11-23 6.16%
Charleston 30 Year FHA 2022-11-23 0.39%
Charleston 30 Year FHA Refi 2022-11-23 0.2%
Charleston 30 Year USDA 2022-11-23 0.22%
Charleston 30 Year USDA Refi 2022-11-23 -0.21%
Charleston 30 Year VA 2022-11-23 0.39%
Charleston 30 Year VA Refi 2022-11-23 0.19%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within CHARLESTON, WV.

CHARLESTON Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the CHARLESTON, WV market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
QUICKEN LOANS, LLC 208 3.18% $4,879
City National Bank of West Virginia 188 3.41% $1,246
PRIMELENDING, A PLAINSCAPITAL COMPANY 164 3.29% $3,529
Victorian Finance, LLC 156 2.89% $3,124
Gateway First Bank 155 3.23% $3,047
JPMorgan Chase Bank 86 3.13% $2,877
Truist 83 3.11% $3,272
LOANDEPOT.COM, LLC 79 3.26% $3,764
The Huntington National Bank 72 3.15% $3,587
United Bank 58 3.05% $3,347
WesBanco Bank, Inc. 45 3.16% $3,430
Summit Community Bank, Inc. 43 3.28% $3,208
MOVEMENT MORTGAGE, LLC 37 3.40% $3,549
Fifth Third Bank 34 3.08% $3,709
AMERISAVE MORTGAGE CORPORATION 28 3.00% $3,541
Wells Fargo Bank 28 3.15% $3,310
CROSSCOUNTRY MORTGAGE, LLC 22 3.24% $5,225
BROKER SOLUTIONS, INC. 16 3.35% $4,106
UNION HOME MORTGAGE CORP. 14 3.42% $2,399
Ally Bank 12 2.95% $3,982
BETTER MORTGAGE CORPORATION 12 3.05% $3,305
HOMESPIRE MORTGAGE CORPORATION 12 3.22% $5,062
FREEDOM MORTGAGE CORPORATION 11 3.25% $1,813
INTERCOASTAL MORTGAGE COMPANY 9 3.01% $2,857
STAR USA FEDERAL CREDIT UNION 9 3.01% $2,475
Peoples Bank 8 3.42% $2,994
CALIBER HOME LOANS, INC. 8 3.26% $3,875
Farm Credit of the Virginias, ACA 7 4.22% $3,344
Bank of America 7 2.86% $3,885
Renasant Bank 7 2.87% $3,133
First Guaranty Mortgage Corporation 6 3.04% $2,790
PNC Bank 6 3.06% $3,572
Nations Lending Corporation 6 3.08% $6,911
NAVY FEDERAL CREDIT UNION 6 3.35% $3,733
The Ohio Valley Bank Company 5 3.53% $2,608
Clear Mountain Bank 4 2.78% $3,450
U.S. Bank 4 3.25% $2,893
AMERICAN FINANCING CORPORATION 4 3.25% $3,404
ROYAL UNITED MORTGAGE LLC 4 3.34% $7,245
Wyndham Capital Mortgage, Inc. 4 3.16% $2,183
First Federal Bank of the Midwest 4 3.03% $3,546
MYCUMORTGAGE, LLC 4 3.28% $4,153
PENTAGON FEDERAL CREDIT UNION 4 3.03% $2,295
HOME POINT FINANCIAL CORPORATION 4 2.84% $4,106
Community Trust Bank, Inc. 4 3.00% $2,470
UNITED WHOLESALE MORTGAGE, LLC 3 2.99% $3,769
NEWREZ LLC 3 2.92% $3,630
CHURCHILL MORTGAGE CORPORATION 3 3.16% $3,980
VANDERBILT MORTGAGE AND FINANCE, INC. 3 4.88% $5,499
SIWELL, INC. 3 3.00% $4,765
LIBERTY HOME MORTGAGE CORPORATION 3 3.33% $5,548
Mr. Cooper ( Nationstar Mortgage ) 3 3.08% $5,229
AgFirst Farm Credit Bank 2 2.94% $4,833
Bank of England 2 3.25% $4,146
BNC National Bank 2 3.31% $4,094
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 2 3.93% $5,443
Chicago Mortgage Solutions LLC 2 3.50% $2,046
Citizens Bank 2 2.94% $3,221
DAS Acquisition Company, LLC 2 2.94% $2,937
First Community Bank 2 3.13% $4,995
First Federal Bank 2 3.44% $5,487
Flagstar Bank, FSB 2 3.56% $4,219
GUARANTEED RATE, INC. 2 2.99% $2,132
Plains Commerce Bank 2 3.31% $3,523
PLANET HOME LENDING, LLC 2 3.06% $1,237
MORIA DEVELOPMENT, INC. 1 3.50% $3,912
Northpointe Bank 1 2.88% $8,318
PENNYMAC LOAN SERVICES, LLC 1 3.38% $4,997
Meridian Bank Corporation 1 3.50% $3,226
Hometown Lenders, Inc. 1 3.63% $3,614
PHH Mortgage Corporation 1 4.50% $5,664
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 3.13% $4,031
Alcova Mortgage LLC 1 3.25% $998
GUARANTEED RATE AFFINITY, LLC 1 2.99% $0
First National Bank of Pennsylvania 1 2.38% $4,881
First Internet Bank of Indiana 1 2.99% $4,955
First Federal Savings and Loan Association of Lakewood 1 2.88% $3,529
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 3.25% $637
FirstBank 1 3.13% $3,279
SIRVA MORTGAGE, INC. 1 2.75% $2,431
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 2.99% $3,896
Evolve Bank & Trust 1 2.75% $2,300
STEARNS LENDING, LLC 1 2.75% $3,483
Stifel Bank and Trust 1 3.25% $2,671
EMBRACE HOME LOANS, INC. 1 3.25% $5,694
SWBC MORTGAGE CORPORATION 1 2.75% $1,693
TCF National Bank 1 3.38% $4,280
Dollar Bank, Federal Savings Bank 1 2.88% $5,753
Discover Bank 1 3.99% $0
TIAA, FSB 1 2.99% $5,963
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 3.25% $3,725
Colonial Savings, F.A. 1 3.25% $5,587
CNB Bank Inc. 1 4.00% $2,433
CBM Mortgage, Inc. 1 3.25% $3,540
USAA Federal Savings Bank 1 3.25% $2,590
Carrington Mortgage Services, LLC 1 3.50% $5,578
Uwharrie Bank 1 3.75% $1,855
CALCON MUTUAL MORTGAGE LLC 1 3.25% $5,855
Bank of Tennessee 1 3.50% $14,228
Ameris Bank 1 3.00% $3,266
Mortgage Research Center, LLC 1 2.88% $395
NBKC BANK 1 3.00% $2,795

CHARLESTON Average Closing Costs & Other Stats

CHARLESTON, WV's 102 lenders originated 5,667 loans during 2021. The total origination value was $869,175,000, with an average loan value of $153,375.

CHARLESTON's average closing costs are $3,909.

The top CHARLESTON lender as defined by loan originations is QUICKEN LOANS, LLC, with 208 loans originated. Their average total fees are $4,879, which is $3,633 higher than the next largest lender, City National Bank of West Virginia.

The lowest fee CHARLESTON lenders (with over 10 loans originated) are City National Bank of West Virginia ($1,246), FREEDOM MORTGAGE CORPORATION ($1,813), UNION HOME MORTGAGE CORP. ($2,399), JPMorgan Chase Bank ($2,877) and Gateway First Bank ($3,047).

The lowest rate CHARLESTON lenders (with over 10 loans originated) are Victorian Finance, LLC (2.89%), Ally Bank (2.95%), AMERISAVE MORTGAGE CORPORATION (3.00%), BETTER MORTGAGE CORPORATION (3.05%) and United Bank (3.05%).

CHARLESTON, WV Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
QUICKEN LOANS, LLC $70,280,000 $88,065,000 25.3% 10.1%
Gateway First Bank $62,325,000 $65,090,000 4.4% 7.5%
Victorian Finance, LLC $53,225,000 $60,605,000 13.9% 7.0%
PRIMELENDING, A PLAINSCAPITAL COMPANY $38,350,000 $54,370,000 41.8% 6.3%
City National Bank of West Virginia $60,740,000 $51,390,000 -15.4% 5.9%
The Huntington National Bank $30,610,000 $42,975,000 40.4% 4.9%
LOANDEPOT.COM, LLC $37,365,000 $41,285,000 10.5% 4.7%
The Poca Valley Bank, Inc. $32,185,000 $32,900,000 2.2% 3.8%
Summit Community Bank, Inc. $25,195,000 $31,545,000 25.2% 3.6%
Truist Bank $36,980,000 $31,230,000 -15.5% 3.6%
JPMorgan Chase Bank $21,675,000 $23,525,000 8.5% 2.7%
United Bank $31,410,000 $22,530,000 -28.3% 2.6%
FREEDOM MORTGAGE CORPORATION $22,645,000 $22,145,000 -2.2% 2.5%
WesBanco Bank, Inc. $44,865,000 $18,575,000 -58.6% 2.1%
MOVEMENT MORTGAGE, LLC $18,635,000 $17,715,000 -4.9% 2.0%
Fifth Third Bank $11,315,000 $17,485,000 54.5% 2.0%
Mortgage Research Center, LLC $14,000,000 $16,365,000 16.9% 1.9%
CROSSCOUNTRY MORTGAGE, LLC $18,435,000 $15,740,000 -14.6% 1.8%
AMERISAVE MORTGAGE CORPORATION $6,640,000 $10,385,000 56.4% 1.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $7,455,000 $9,640,000 29.3% 1.1%
Wells Fargo Bank $4,135,000 $9,245,000 123.6% 1.1%
Putnam County Bank $4,270,000 $8,450,000 97.9% 1.0%
Clay County Bank, Inc. $5,450,000 $6,125,000 12.4% 0.7%
HOMESPIRE MORTGAGE CORPORATION $240,000 $5,885,000 2,352.1% 0.7%
Logan Bank & Trust Company $3,895,000 $5,635,000 44.7% 0.6%
Premier Bank, Inc. $5,755,000 $5,585,000 -3.0% 0.6%
BETTER MORTGAGE CORPORATION $3,385,000 $5,355,000 58.2% 0.6%
Northwest Bank $5,075,000 n/a 0.6%
UNION HOME MORTGAGE CORP. $5,965,000 $4,895,000 -17.9% 0.6%
NAVY FEDERAL CREDIT UNION $2,485,000 $4,810,000 93.6% 0.6%
PENNYMAC LOAN SERVICES, LLC $875,000 $4,690,000 436.0% 0.5%
LAKEVIEW LOAN SERVICING, LLC $3,115,000 $4,650,000 49.3% 0.5%
STAR USA FEDERAL CREDIT UNION $5,600,000 $4,620,000 -17.5% 0.5%
Bank of America $965,000 $4,060,000 320.7% 0.5%
Ally Bank $1,055,000 $4,055,000 284.4% 0.5%
BROKER SOLUTIONS, INC. $2,155,000 $3,780,000 75.4% 0.4%
USAA Federal Savings Bank $5,800,000 $3,690,000 -36.4% 0.4%
CALIBER HOME LOANS, INC. $1,900,000 $3,630,000 91.1% 0.4%
Renasant Bank $795,000 $3,545,000 345.9% 0.4%
Carrington Mortgage Services, LLC $3,020,000 $3,365,000 11.4% 0.4%
INTERCOASTAL MORTGAGE COMPANY $1,645,000 $3,055,000 85.7% 0.4%
Mr. Cooper ( Nationstar Mortgage ) $2,445,000 $2,955,000 20.9% 0.3%
PENTAGON FEDERAL CREDIT UNION $580,000 $2,655,000 357.8% 0.3%
First Federal Bank of the Midwest $3,035,000 $2,555,000 -15.8% 0.3%
Peoples Bank $3,920,000 $2,515,000 -35.8% 0.3%
U.S. Bank $1,415,000 $2,515,000 77.7% 0.3%
NEWREZ LLC $790,000 $2,430,000 207.6% 0.3%
LIBERTY HOME MORTGAGE CORPORATION $2,105,000 $2,410,000 14.5% 0.3%
PLANET HOME LENDING, LLC $2,015,000 $2,310,000 14.6% 0.3%
The Ohio Valley Bank Company $1,560,000 $2,270,000 45.5% 0.3%
The Farmers Bank & Savings Company $1,470,000 $2,220,000 51.0% 0.3%
AMERICAN FINANCING CORPORATION $2,080,000 n/a 0.2%
VILLAGE CAPITAL & INVESTMENT LLC $2,135,000 $2,055,000 -3.7% 0.2%
Barrington Bank & Trust Company, N.A. $2,320,000 $2,030,000 -12.5% 0.2%
First Community Bank $555,000 $2,015,000 263.1% 0.2%
HOME POINT FINANCIAL CORPORATION $1,165,000 $1,950,000 67.4% 0.2%
CHURCHILL MORTGAGE CORPORATION $1,080,000 $1,910,000 76.9% 0.2%
Wyndham Capital Mortgage, Inc. $750,000 $1,900,000 153.3% 0.2%
Citizens Bank $2,200,000 $1,785,000 -18.9% 0.2%
First Guaranty Mortgage Corporation $1,060,000 $1,785,000 68.4% 0.2%
PNC Bank $750,000 $1,605,000 114.0% 0.2%
Nations Lending Corporation $1,390,000 $1,535,000 10.4% 0.2%
Clear Mountain Bank $785,000 $1,445,000 84.1% 0.2%
SIWELL, INC. $2,365,000 $1,350,000 -42.9% 0.2%
CALCON MUTUAL MORTGAGE LLC $145,000 $1,215,000 737.9% 0.1%
Community Trust Bank, Inc. $2,505,000 $1,135,000 -54.7% 0.1%
Farm Credit of the Virginias, ACA $3,005,000 $1,055,000 -64.9% 0.1%
MYCUMORTGAGE, LLC $770,000 $1,050,000 36.4% 0.1%
TCF National Bank $1,050,000 n/a 0.1%
UNITED WHOLESALE MORTGAGE, LLC $720,000 $1,040,000 44.4% 0.1%
Bank of England $495,000 $995,000 101.0% 0.1%
Huntington Federal Savings Bank $135,000 $975,000 622.2% 0.1%
Bank of Tennessee $905,000 n/a 0.1%
Community Bank of Parkersburg $880,000 n/a 0.1%
First Internet Bank of Indiana $380,000 $880,000 131.6% 0.1%
First National Bank of Pennsylvania $175,000 $880,000 402.9% 0.1%
Flagstar Bank, FSB $410,000 $865,000 111.0% 0.1%
First Federal Bank $350,000 $855,000 144.3% 0.1%
GUARANTEED RATE, INC. $270,000 $800,000 196.3% 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $815,000 $780,000 -4.3% 0.1%
POLARIS HOME FUNDING CORP. $1,190,000 $770,000 -35.3% 0.1%
Hometown Lenders, Inc. $1,490,000 $760,000 -49.0% 0.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $340,000 $745,000 119.1% 0.1%
ROYAL UNITED MORTGAGE LLC $740,000 n/a 0.1%
PREMIA MORTGAGE, LLC $735,000 n/a 0.1%
The Federal Savings Bank $2,245,000 $725,000 -67.7% 0.1%
Chicago Mortgage Solutions LLC $675,000 n/a 0.1%
NBKC BANK $395,000 $640,000 62.0% 0.1%
FINANCE OF AMERICA MORTGAGE LLC $625,000 n/a 0.1%
21ST MORTGAGE CORPORATION $1,255,000 $620,000 -50.6% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $520,000 $580,000 11.5% 0.1%
TIAA, FSB $260,000 $570,000 119.2% 0.1%
AgFirst Farm Credit Bank $930,000 $565,000 -39.2% 0.1%
Equity Prime Mortgage LLC $555,000 n/a 0.1%
Bank of Whittier $545,000 n/a 0.1%
DAS Acquisition Company, LLC $175,000 $545,000 211.4% 0.1%
Manufacturers and Traders Trust Company $535,000 n/a 0.1%
Discover Bank $365,000 $520,000 42.5% 0.1%
MCNB Bank and Trust Co. $1,715,000 $480,000 -72.0% 0.1%
CONTOUR MORTGAGE CORPORATION $460,000 n/a 0.1%
BNC National Bank $135,000 $430,000 218.5% 0.0%
Stifel Bank and Trust $430,000 n/a 0.0%
Paramount Residential Mortgage Group, Inc. $420,000 n/a 0.0%
LENDERFI, INC. $405,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $155,000 $400,000 158.1% 0.0%
Alcova Mortgage LLC $345,000 $390,000 13.0% 0.0%
CITIZENS EQUITY FIRST $385,000 n/a 0.0%
RCB Bank $385,000 n/a 0.0%
WEST VIRGINIA CENTRAL FEDERAL CREDIT UNION $625,000 $375,000 -40.0% 0.0%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $410,000 $365,000 -11.0% 0.0%
Blue Ridge Bank $205,000 $365,000 78.0% 0.0%
SIRVA MORTGAGE, INC. $930,000 $345,000 -62.9% 0.0%
First Federal Savings and Loan Association of Lakewood $335,000 n/a 0.0%
Colonial Savings, F.A. $290,000 $300,000 3.4% 0.0%
ALLEGACY FEDERAL CREDIT UNION $215,000 $295,000 37.2% 0.0%
CRESCENT MORTGAGE COMPANY $1,275,000 $295,000 -76.9% 0.0%
GUARANTEED RATE AFFINITY, LLC $125,000 $295,000 136.0% 0.0%
SOUTHWEST STAGE FUNDING, LLC $685,000 $295,000 -56.9% 0.0%
AMERICAN INTERNET MORTGAGE, INC. $115,000 $290,000 152.2% 0.0%
EMBRACE HOME LOANS, INC. $165,000 $290,000 75.8% 0.0%
PHH Mortgage Corporation $400,000 $290,000 -27.5% 0.0%
Dollar Bank, Federal Savings Bank $275,000 n/a 0.0%
Plains Commerce Bank $155,000 $270,000 74.2% 0.0%
Citibank $240,000 $260,000 8.3% 0.0%
FirstBank $340,000 $245,000 -27.9% 0.0%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $235,000 n/a 0.0%
Northpointe Bank $625,000 $235,000 -62.4% 0.0%
FINANCE OF AMERICA COMMERCIAL LLC $230,000 n/a 0.0%
GENEVA FINANCIAL, LLC $230,000 n/a 0.0%
Low VA Rates, LLC $545,000 $220,000 -59.6% 0.0%
First United Corporation $215,000 n/a 0.0%
Meridian Bank Corporation $215,000 n/a 0.0%
Magnolia Bank $225,000 $205,000 -8.9% 0.0%
STOCKTON MORTGAGE CORPORATION $175,000 $200,000 14.3% 0.0%
AMERICAN ADVISORS GROUP $705,000 $195,000 -72.3% 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $195,000 n/a 0.0%
MICHIGAN MUTUAL, INC. $195,000 n/a 0.0%
STEARNS LENDING, LLC $195,000 n/a 0.0%
TRIAD FINANCIAL SERVICES, INC. $185,000 n/a 0.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. $995,000 $175,000 -82.4% 0.0%
Goldwater Bank, N.A. $320,000 $165,000 -48.4% 0.0%
Integrity Home Mortgage Corp $165,000 n/a 0.0%
MORTGAGE ACCESS CORP. $165,000 n/a 0.0%
LENDINGHOME FUNDING CORPORATION $105,000 $150,000 42.9% 0.0%
BP Federal Credit Union $145,000 n/a 0.0%
First Federal Bank, A FSB $145,000 n/a 0.0%
Northwest Federal Credit Union $145,000 n/a 0.0%
CBM Mortgage, Inc. $135,000 n/a 0.0%
FIRST COMMUNITY MORTGAGE, INC. $135,000 n/a 0.0%
MID AMERICA MORTGAGE, INC. $135,000 n/a 0.0%
OCEANSIDE MORTGAGE COMPANY $115,000 $135,000 17.4% 0.0%
HOMESTEAD FUNDING CORP. $125,000 n/a 0.0%
Ameris Bank $115,000 n/a 0.0%
ARC HOME LLC $115,000 n/a 0.0%
Evolve Bank & Trust $125,000 $115,000 -8.0% 0.0%
First Option Mortgage, LLC $115,000 n/a 0.0%
MORIA DEVELOPMENT, INC. $115,000 n/a 0.0%
NASA Federal Credit Union $115,000 n/a 0.0%
US MORTGAGE CORPORATION $115,000 n/a 0.0%
FEDEX EMPLOYEES CREDIT ASSOCIATION $105,000 n/a 0.0%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $1,675,000 $105,000 -93.7% 0.0%
UNIVERSAL Federal Credit Union $105,000 n/a 0.0%
American Airlines Federal Credit Union $95,000 n/a 0.0%
CNB Bank Inc. $95,000 n/a 0.0%
FAY SERVICING, LLC $95,000 n/a 0.0%
Connexus Credit Union $85,000 n/a 0.0%
LENDINGONE, LLC $85,000 n/a 0.0%
Pendleton Community Bank, Inc. $75,000 $85,000 13.3% 0.0%
Uwharrie Bank $85,000 n/a 0.0%
HANSCOM $75,000 n/a 0.0%
SWBC MORTGAGE CORPORATION $75,000 n/a 0.0%
Arvest Bank $65,000 n/a 0.0%
ATOMIC CREDIT UNION, INC. $35,000 n/a 0.0%
Baxter Credit Union $25,000 $25,000 0.0% 0.0%
First Commonwealth Bank $25,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $25,000 n/a 0.0%
Home Loan Investment Bank, F.S.B. $15,000 n/a 0.0%

CHARLESTON's top lender by overall market share is QUICKEN LOANS, LLC, with 10.1% market share. In second place, with 7.5%, is Gateway First Bank, having originated $65,090,000 in loans. In third place, with 7.0%, is Victorian Finance, LLC, having originated $60,605,000 in loans. In fourth place, with 6.3%, is PRIMELENDING, A PLAINSCAPITAL COMPANY, having originated $54,370,000 in loans. In fifth place, with 5.9%, is City National Bank of West Virginia, having originated $51,390,000 in loans.


CHARLESTON Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - CHARLESTON (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $137,375 (-1.2%) $214,622 (1.5%) 0.51 1,173
2018-02-01 $139,450 (-0.3%) $217,369 (-0.3%) 0.51 1,160
2018-03-01 $139,900 (0.3%) $221,137 (0.8%) 0.49 1,165
2018-04-01 $145,000 (2.1%) $229,170 (1.8%) 0.49 1,190
2018-05-01 $142,450 (-1.6%) $225,630 (1.1%) 0.48 1,249
2018-06-01 $144,900 (-1.1%) $225,787 (1.8%) 0.48 1,289
2018-07-01 $145,000 (-2.7%) $228,029 (2.9%) 0.48 1,329
2018-08-01 $145,000 (-3.0%) $228,685 (3.5%) 0.49 1,345
2018-09-01 $147,250 (-1.1%) $231,233 (5.3%) 0.49 1,367
2018-10-01 $149,800 (3.3%) $232,017 (6.8%) 0.51 1,308
2018-11-01 $149,450 (4.7%) $235,903 (9.6%) 0.51 1,267
2018-12-01 $145,000 (0.7%) $234,197 (7.9%) 0.50 1,201
2019-01-01 $147,000 (7.0%) $234,623 (9.3%) 0.51 1,127
2019-02-01 $149,125 (6.9%) $238,803 (9.9%) 0.50 1,123
2019-03-01 $149,529 (6.9%) $238,716 (8.0%) 0.49 1,117
2019-04-01 $149,854 (3.4%) $239,482 (4.5%) 0.48 1,111
2019-05-01 $149,900 (5.2%) $242,702 (7.6%) 0.47 1,153
2019-06-01 $149,900 (3.5%) $240,995 (6.7%) 0.47 1,217
2019-07-01 $149,313 (3.0%) $231,684 (1.6%) 0.47 1,248
2019-08-01 $147,791 (1.9%) $224,929 (-1.6%) 0.47 1,253
2019-09-01 $148,977 (1.2%) $224,637 (-2.9%) 0.48 1,238
2019-10-01 $149,900 (0.1%) $224,636 (-3.2%) 0.48 1,228
2019-11-01 $149,000 (-0.3%) $221,760 (-6.0%) 0.49 1,198
2019-12-01 $148,000 (2.1%) $224,609 (-4.1%) 0.49 1,148
2020-01-01 $145,000 (-1.4%) $228,758 (-2.5%) 0.48 1,089
2020-02-01 $145,000 (-2.8%) $228,107 (-4.5%) 0.47 1,043
2020-03-01 $149,950 (0.3%) $236,827 (-0.8%) 0.47 1,008
2020-04-01 $156,350 (4.3%) $240,959 (0.6%) 0.49 935
2020-05-01 $160,000 (6.7%) $252,557 (4.1%) 0.49 831
2020-06-01 $161,325 (7.6%) $252,406 (4.7%) 0.47 818
2020-07-01 $159,900 (7.1%) $255,984 (10.5%) 0.46 805
2020-08-01 $160,695 (8.7%) $260,226 (15.7%) 0.46 770
2020-09-01 $159,900 (7.3%) $257,820 (14.8%) 0.46 762
2020-10-01 $160,348 (7.0%) $259,469 (15.5%) 0.46 750
2020-11-01 $154,950 (4.0%) $248,460 (12.0%) 0.45 605
2020-12-01 $149,800 (1.2%) $234,088 (4.2%) 0.45 566
2021-01-01 $145,000 (0.0%) $233,530 (2.1%) 0.43 509
2021-02-01 $139,000 (-4.1%) $229,357 (0.6%) 0.40 463
2021-03-01 $137,450 (-8.3%) $230,616 (-2.6%) 0.39 417
2021-04-01 $137,225 (-12.2%) $248,684 (3.2%) 0.37 370
2021-05-01 $139,900 (-12.6%) $249,356 (-1.3%) 0.37 389
2021-06-01 $145,000 (-10.1%) $225,463 (-10.7%) 0.38 395
2021-07-01 $149,900 (-6.3%) $219,146 (-14.4%) 0.39 395
2021-08-01 $139,950 (-12.9%) $208,480 (-19.9%) 0.37 420
2021-09-01 $149,900 (-6.3%) $207,069 (-19.7%) 0.40 441
2021-10-01 $144,700 (-9.8%) $199,114 (-23.3%) 0.39 482
2021-11-01 $143,975 (-7.1%) $203,386 (-18.1%) 0.38 437
2021-12-01 $149,975 (0.1%) $201,329 (-14.0%) 0.41 420
2022-01-01 $144,500 (-0.3%) $200,303 (-14.2%) 0.39 384
2022-02-01 $149,075 (7.3%) $222,912 (-2.8%) 0.39 333
2022-03-01 $144,250 (5.0%) $225,744 (-2.1%) 0.36 297
2022-04-01 $148,250 (8.0%) $229,727 (-7.6%) 0.35 287
2022-05-01 $153,215 (9.5%) $230,561 (-7.5%) 0.35 307
2022-06-01 $150,000 (3.5%) $214,978 (-4.7%) 0.33 349
2022-07-01 $149,950 (0.0%) $218,707 (-0.2%) 0.34 387
2022-08-01 $144,875 (3.5%) $203,907 (-2.2%) 0.33 396
2022-09-01 $149,900 (0.0%) $206,351 (-0.4%) 0.35 388
2022-10-01 $149,900 (3.6%) $206,294 (3.6%) 0.35 399
CHARLESTON's median listing price for 2022-10-01 was $149,900, a difference of $5,200 (3.6%) versus the prior year and $0 versus the prior month.

CHARLESTON's median listing price comes in at 35% of the national average.

CHARLESTON's average listing price for 2022-10-01 was $206,294, a difference of $7,180 (3.6%) versus the prior year and $-57 versus the prior month.

For the 2022-10-01 period, CHARLESTON had 399 MLS listings, a difference of 11 listings (3%) versus the prior month and -83 listings (-17%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - CHARLESTON (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 106 days 1,800 sqft
2018-02-01 108 days 1,805 sqft
2018-03-01 103 days 1,831 sqft
2018-04-01 82 days 1,848 sqft
2018-05-01 78 days 1,834 sqft
2018-06-01 79 days 1,840 sqft
2018-07-01 86 days 1,853 sqft
2018-08-01 92 days 1,876 sqft
2018-09-01 93 days 1,838 sqft
2018-10-01 95 days 1,868 sqft
2018-11-01 96 days 1,894 sqft
2018-12-01 102 days 1,859 sqft
2019-01-01 109 days 1,862 sqft
2019-02-01 110 days 1,897 sqft
2019-03-01 100 days 1,892 sqft
2019-04-01 87 days 1,876 sqft
2019-05-01 81 days 1,841 sqft
2019-06-01 78 days 1,849 sqft
2019-07-01 82 days 1,854 sqft
2019-08-01 84 days 1,848 sqft
2019-09-01 88 days 1,854 sqft
2019-10-01 92 days 1,858 sqft
2019-11-01 95 days 1,837 sqft
2019-12-01 102 days 1,840 sqft
2020-01-01 109 days 1,836 sqft
2020-02-01 107 days 1,813 sqft
2020-03-01 95 days 1,888 sqft
2020-04-01 88 days 1,921 sqft
2020-05-01 98 days 1,950 sqft
2020-06-01 102 days 1,931 sqft
2020-07-01 92 days 1,905 sqft
2020-08-01 82 days 1,904 sqft
2020-09-01 82 days 1,871 sqft
2020-10-01 85 days 1,864 sqft
2020-11-01 83 days 1,829 sqft
2020-12-01 85 days 1,823 sqft
2021-01-01 88 days 1,805 sqft
2021-02-01 82 days 1,709 sqft
2021-03-01 67 days 1,708 sqft
2021-04-01 67 days 1,681 sqft
2021-05-01 49 days 1,680 sqft
2021-06-01 51 days 1,689 sqft
2021-07-01 56 days 1,740 sqft
2021-08-01 52 days 1,694 sqft
2021-09-01 52 days 1,730 sqft
2021-10-01 50 days 1,687 sqft
2021-11-01 60 days 1,662 sqft
2021-12-01 72 days 1,683 sqft
2022-01-01 75 days 1,658 sqft
2022-02-01 77 days 1,688 sqft
2022-03-01 65 days 1,666 sqft
2022-04-01 54 days 1,654 sqft
2022-05-01 49 days 1,704 sqft
2022-06-01 50 days 1,682 sqft
2022-07-01 51 days 1,712 sqft
2022-08-01 54 days 1,708 sqft
2022-09-01 54 days 1,648 sqft
2022-10-01 50 days 1,645 sqft
CHARLESTON's median listing age (time on market) for 2022-10-01 was 50 days. This is 0% longer than the same period one year ago.

CHARLESTON's median square footage for active listings during the 2022-10-01 period was 1,645 sqft. One year prior, the average listing was 1,687 sqft.

CHARLESTON, WV Average Rent (2022)

Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
25003 Charleston, WV $550 $660 $790 $1,000 $1,110
25015 Charleston, WV $510 $600 $730 $950 $1,030
25019 Charleston, WV $490 $600 $730 $920 $1,030
25025 Charleston, WV $590 $710 $860 $1,110 $1,200
25030 Charleston, WV $490 $600 $730 $920 $1,030
25035 Charleston, WV $490 $610 $730 $930 $1,030
25036 Charleston, WV $500 $600 $730 $970 $1,030
25039 Charleston, WV $520 $620 $750 $980 $1,050
25043 Charleston, WV $490 $600 $730 $920 $1,030
25045 Charleston, WV $530 $640 $770 $1,000 $1,080
25054 Charleston, WV $580 $700 $840 $1,090 $1,180
25059 Charleston, WV $500 $600 $730 $970 $1,030
25061 Charleston, WV $580 $700 $840 $1,090 $1,180
25063 Charleston, WV $490 $600 $730 $920 $1,030
25064 Charleston, WV $610 $730 $880 $1,140 $1,230
25067 Charleston, WV $590 $700 $850 $1,110 $1,190
25071 Charleston, WV $600 $710 $860 $1,120 $1,200
25075 Charleston, WV $580 $700 $840 $1,090 $1,180
25079 Charleston, WV $580 $700 $840 $1,090 $1,180
25083 Charleston, WV $570 $670 $820 $1,070 $1,150
25086 Charleston, WV $530 $640 $770 $1,000 $1,080
25088 Charleston, WV $490 $600 $730 $920 $1,030
25102 Charleston, WV $580 $700 $840 $1,090 $1,180
25103 Charleston, WV $580 $700 $840 $1,090 $1,180
25107 Charleston, WV $570 $690 $810 $1,070 $1,200
25110 Charleston, WV $580 $700 $840 $1,090 $1,180
25111 Charleston, WV $490 $600 $730 $920 $1,030
25112 Charleston, WV $610 $730 $880 $1,140 $1,230
25113 Charleston, WV $490 $600 $730 $920 $1,030
25124 Charleston, WV $670 $700 $910 $1,190 $1,380
25125 Charleston, WV $490 $600 $730 $920 $1,030
25126 Charleston, WV $580 $700 $840 $1,090 $1,180
25132 Charleston, WV $520 $630 $760 $990 $1,060
25133 Charleston, WV $490 $600 $730 $920 $1,030
25134 Charleston, WV $580 $700 $840 $1,090 $1,180
25136 Charleston, WV $500 $600 $730 $940 $1,030
25141 Charleston, WV $490 $600 $730 $920 $1,030
25143 Charleston, WV $640 $740 $910 $1,190 $1,310
25156 Charleston, WV $580 $700 $840 $1,090 $1,180
25159 Charleston, WV $850 $870 $1,140 $1,500 $1,760
25160 Charleston, WV $530 $640 $770 $1,000 $1,070
25162 Charleston, WV $510 $600 $730 $950 $1,030
25164 Charleston, WV $490 $600 $730 $920 $1,030
25177 Charleston, WV $590 $670 $820 $1,060 $1,280
25201 Charleston, WV $620 $750 $900 $1,170 $1,260
25202 Charleston, WV $550 $660 $790 $1,020 $1,110
25211 Charleston, WV $490 $600 $730 $920 $1,030
25214 Charleston, WV $580 $700 $840 $1,090 $1,180
25235 Charleston, WV $490 $600 $730 $920 $1,030
25248 Charleston, WV $590 $630 $820 $1,060 $1,280
25285 Charleston, WV $490 $600 $730 $920 $1,030
25286 Charleston, WV $580 $700 $840 $1,090 $1,180
25301 Charleston, WV $560 $670 $810 $1,050 $1,130
25302 Charleston, WV $550 $660 $800 $1,040 $1,120
25303 Charleston, WV $550 $660 $800 $1,040 $1,120
25304 Charleston, WV $580 $700 $840 $1,090 $1,180
25305 Charleston, WV $580 $700 $840 $1,090 $1,180
25306 Charleston, WV $650 $780 $940 $1,220 $1,320
25309 Charleston, WV $510 $600 $730 $950 $1,030
25311 Charleston, WV $580 $700 $840 $1,090 $1,180
25312 Charleston, WV $600 $710 $860 $1,120 $1,280
25313 Charleston, WV $610 $730 $880 $1,140 $1,230
25314 Charleston, WV $660 $790 $950 $1,240 $1,330
25315 Charleston, WV $530 $630 $760 $990 $1,060
25320 Charleston, WV $530 $640 $770 $1,000 $1,080
25321 Charleston, WV $580 $700 $840 $1,090 $1,180
25322 Charleston, WV $580 $700 $840 $1,090 $1,180
25323 Charleston, WV $580 $700 $840 $1,090 $1,180
25324 Charleston, WV $580 $700 $840 $1,090 $1,180
25325 Charleston, WV $580 $700 $840 $1,090 $1,180
25326 Charleston, WV $580 $700 $840 $1,090 $1,180
25327 Charleston, WV $580 $700 $840 $1,090 $1,180
25328 Charleston, WV $580 $700 $840 $1,090 $1,180
25329 Charleston, WV $580 $700 $840 $1,090 $1,180
25330 Charleston, WV $580 $700 $840 $1,090 $1,180
25331 Charleston, WV $580 $700 $840 $1,090 $1,180
25332 Charleston, WV $580 $700 $840 $1,090 $1,180
25333 Charleston, WV $580 $700 $840 $1,090 $1,180
25334 Charleston, WV $580 $700 $840 $1,090 $1,180
25335 Charleston, WV $580 $700 $840 $1,090 $1,180
25336 Charleston, WV $580 $700 $840 $1,090 $1,180
25337 Charleston, WV $580 $700 $840 $1,090 $1,180
25338 Charleston, WV $580 $700 $840 $1,090 $1,180
25339 Charleston, WV $580 $700 $840 $1,090 $1,180
25361 Charleston, WV $580 $700 $840 $1,090 $1,180
25362 Charleston, WV $580 $700 $840 $1,090 $1,180
25364 Charleston, WV $580 $700 $840 $1,090 $1,180
25387 Charleston, WV $580 $700 $840 $1,090 $1,180
25389 Charleston, WV $580 $700 $840 $1,090 $1,180
26617 Charleston, WV $490 $600 $730 $920 $1,030

2022 Average & Median Rent Data Statistics
CHARLESTON, WV average 1BR rent: $673, median: $700
CHARLESTON, WV average 2BR rent: $814, median: $840
CHARLESTON, WV average 3BR rent: $1,053, median: $1,090

CHARLESTON, WV Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 2,707 $457,625,000 $169,052
Refi 1,786 $278,140,000 $155,733
Cash Out Refi 726 $101,290,000 $139,518
Home Improvement 228 $15,030,000 $65,921
Other 220 $17,090,000 $77,682

Charleston's most frequently cited loan purpose was Home Purchase, with 2,707 originations. The 2nd most popular reason was Refi, with 1,786 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 2,006 $304,350,000 $151,720
2.5-3% 1,829 $300,875,000 $164,502
<2.5% 835 $141,885,000 $169,922
4-5% 344 $45,460,000 $132,151
Over 8% 64 $4,630,000 $72,344
5-6% 42 $3,230,000 $76,905
6-7% 34 $3,100,000 $91,176
7-8% 28 $2,380,000 $85,000

During 2021, Charleston's most frequently originated rate bucket was 3-4%, with 2,006 originations.

Loan Sizing (CHARLESTON, WV MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 2,612 $370,510,000 $141,849
$100,000 or less 1,876 $124,250,000 $66,231
$200k-400k 1,004 $265,850,000 $264,791
$400k-600k 132 $62,440,000 $473,030
$600k-1000k 30 $21,530,000 $717,667
$Over $1MM 13 $24,595,000 $1,891,923

CHARLESTON's loan sizing saw the bucket of loans from $100k-200k with 2,612 originations, totaling $370,510,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 2,529 $423,255,000 $167,361
60-80% 1,426 $237,550,000 $166,585
40-60% 503 $66,995,000 $133,191
20-40% 303 $23,085,000 $76,188
Under 20% 162 $5,900,000 $36,420
Over 100% 66 $18,520,000 $280,606

CHARLESTON's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,529 originations, totaling $423,255,000 in origination value.