HUNTINGTON - ASHLAND Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Huntington - Ashland averaged 6.75% for the week of 2025-06-18, compared to the national average of 6.81% for the same period.

The average rate for the prior week (2025-06-12) was 6.88% and one month ago for the week of 2025-05-15, the average rate was 6.65%.

Huntington - Ashland's average rate one year ago was 6.89%.

For refis of the same type during the week of 2025-06-18, the average rate was 7.1%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-06-18 6.81%
Huntington - Ashland 30 Year Fixed Rate 2025-06-18 6.75%
Huntington - Ashland 30 Year Fixed Rate Refi 2025-06-18 7.1%
Huntington - Ashland 15 Year Fixed Rate 2025-06-18 6.75%
Huntington - Ashland 15 Year Fixed Rate Refi 2025-06-18 6.16%
Huntington - Ashland 30 Year FHA 2025-06-18 0.24%
Huntington - Ashland 30 Year FHA Refi 2025-06-18 -0.2%
Huntington - Ashland 30 Year USDA 2025-06-18 0.16%
Huntington - Ashland 30 Year USDA Refi 2025-06-18 0.1%
Huntington - Ashland 30 Year VA 2025-06-18 0.26%
Huntington - Ashland 30 Year VA Refi 2025-06-18 -0.74%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within HUNTINGTON-ASHLAND, WV-KY-OH.

HUNTINGTON - ASHLAND 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 HUNTINGTON-ASHLAND, WV-KY-OH 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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
City National Bank of West Virginia 266 6.57% $1,525
QUICKEN LOANS, LLC 115 6.84% $5,851
UNITED WHOLESALE MORTGAGE, LLC 89 7.06% $5,285
The Ohio Valley Bank Company 77 6.29% $3,566
MOVEMENT MORTGAGE, LLC 73 6.72% $5,713
PRIMELENDING, A PLAINSCAPITAL COMPANY 62 6.89% $5,183
Huntington Federal Savings Bank 59 6.54% $2,552
DESCO 57 6.66% $2,598
United Bank 52 6.56% $3,424
The Huntington National Bank 48 6.72% $4,241
LOANDEPOT.COM, LLC 47 6.60% $4,989
Fifth Third Bank 39 7.07% $3,601
WesBanco 39 6.42% $3,890
JPMorgan Chase Bank 39 6.73% $3,425
STOCKTON MORTGAGE CORPORATION 39 6.99% $4,810
U.S. Bank 30 6.69% $3,766
GUARANTEED RATE, INC. 28 6.80% $5,090
Truist 23 6.81% $4,022
Victorian Finance, LLC 22 6.41% $3,783
Peoples Bank 22 7.09% $3,109
MEMBERS CHOICE 22 7.36% $1,332
Community Trust Bank, Inc. 19 6.64% $2,077
Gateway First Bank 18 6.86% $5,417
VANDERBILT MORTGAGE AND FINANCE, INC. 17 8.04% $7,221
CALCON MUTUAL MORTGAGE LLC 16 7.02% $4,762
NEWREZ LLC 12 6.93% $4,433
ASHLAND Credit Union 11 6.85% $4,428
CROSSCOUNTRY MORTGAGE, LLC 9 7.17% $5,804
Burke & Herbert Bank & Trust Company 8 6.71% $3,847
PENNYMAC LOAN SERVICES, LLC 7 6.96% $6,603
Mr. Cooper ( Nationstar Mortgage ) 6 7.06% $6,260
First National Bank of Pennsylvania 6 6.73% $4,789
BROKER SOLUTIONS, INC. 6 7.46% $6,304
ZILLOW HOME LOANS, LLC 6 6.69% $4,656
Equity Prime Mortgage LLC 5 6.73% $5,558
PNC Bank 5 6.58% $4,287
NAVY FEDERAL CREDIT UNION 5 6.78% $2,299
UNION HOME MORTGAGE CORP. 5 6.80% $6,489
Mortgage Research Center, LLC 5 6.97% $4,127
SIRVA MORTGAGE, INC. 5 6.75% $148
AMERISAVE MORTGAGE CORPORATION 4 6.94% $6,208
Farm Credit Mid-America, ACA 4 7.53% $6,225
MID AMERICA MORTGAGE, INC. 4 7.25% $5,289
ROYAL UNITED MORTGAGE LLC 3 7.50% $5,287
BMO Harris Bank 3 7.25% $4,568
Discover Bank 3 7.00% $0
SUCCESS MORTGAGE PARTNERS, INC. 3 7.42% $5,783
Summit Community Bank, Inc. 3 7.53% $3,915
The Farmers Bank & Savings Company 3 7.00% $2,788
GENERAL ELECTRIC CREDIT UNION 2 6.19% $3,683
21ST MORTGAGE CORPORATION 2 8.46% $5,591
Carrington Mortgage Services, LLC 2 7.13% $3,760
HOMESPIRE MORTGAGE CORPORATION 2 6.50% $11,436
USAA Federal Savings Bank 2 6.56% $3,990
SOUTHWEST STAGE FUNDING, LLC 2 9.33% $7,334
The Park National Bank 2 6.94% $3,801
STAR USA FEDERAL CREDIT UNION 2 6.41% $3,915
Wells Fargo Bank 2 6.69% $3,851
FirstBank 2 8.41% $4,858
ENDEAVOR CAPITAL, LLC. 2 6.63% $5,702
First State Bank 2 7.25% $2,024
PHH Mortgage Corporation 2 6.93% $5,844
MORIA DEVELOPMENT, INC. 1 6.38% $4,222
MORTGAGE ACCESS CORP. 1 7.49% $6,035
ENVOY MORTGAGE, LTD 1 6.63% $4,175
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 7.00% $3,975
DEEPHAVEN MORTGAGE LLC 1 9.99% $5,201
MUTUAL OF OMAHA MORTGAGE, INC. 1 7.13% $5,188
MYCUMORTGAGE, LLC 1 7.63% $5,077
DAS Acquisition Company, LLC 1 6.25% $7,655
NBKC BANK 1 6.63% $3,089
Cornerstone First Mortgage, Inc 1 6.49% $5,880
NFM, INC. 1 7.50% $4,170
Northpointe Bank 1 6.88% $8,316
Northwest Federal Credit Union 1 7.00% $3,456
CMG MORTGAGE, INC. 1 6.88% $6,133
Clear Mountain Bank 1 5.99% $3,486
Peoples Exchange Bank 1 6.25% $2,699
Citizens Bank 1 7.13% $3,801
POLARIS HOME FUNDING CORP. 1 6.63% $6,768
Presidential Bank, FSB 1 6.50% $4,429
Citibank 1 6.00% $4,817
Prosperity Home Mortgage, LLC 1 7.13% $3,773
Charles Schwab Bank, SSB 1 6.68% $4,080
SOUTHWEST FUNDING, LP 1 6.88% $3,211
CARDINAL FINANCIAL 1 6.63% $6,134
Stock Yards Bank & Trust Company 1 7.13% $3,289
Whitaker Bank 1 7.13% $3,208
WRIGHT-PATT CREDIT UNION, INC. 1 6.75% $2,873
T2 FINANCIAL LLC 1 5.50% $2,394
AFFORDABLE MORTGAGE ADVISORS, LLC. 1 6.63% $6,466
BETTER MORTGAGE CORPORATION 1 6.99% $3,136
BAYSHORE MORTGAGE FUNDING, LLC 1 6.63% $4,073
Third Federal Savings and Loan Association of Cleveland 1 7.59% $0
TOP FLITE FINANCIAL, INC. 1 7.62% $9,690
Toyota Financial Savings Bank 1 5.88% $4,860
Bank of America 1 5.75% $1,013
AmRes Corporation 1 6.63% $4,691
Union Savings Bank 1 6.50% $4,193
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 7.62% $7,283
AMERICAN FINANCING CORPORATION 1 6.99% $8,079
AMERICAN FINANCIAL RESOURCES, INC. 1 6.63% $6,768
Ally Bank 1 5.25% $25,480
ALLIED MORTGAGE GROUP, INC. 1 6.63% $6,519
ALLIANT CREDIT UNION 1 5.63% $3,156
First Option Mortgage, LLC 1 7.00% $3,987
First Merchants Bank 1 6.00% $3,319
FREEDOM MORTGAGE CORPORATION 1 5.88% $8,003
GENEVA FINANCIAL, LLC 1 7.00% $4,400
GSF Mortgage Corporation 1 9.99% $5,201
FIRST HOME MORTGAGE CORPORATION 1 7.49% $4,468
GUIDANCE RESIDENTIAL, LLC 1 7.13% $6,233
First Home Bank 1 5.88% $5,614
Integrity Home Mortgage Corp 1 6.63% $4,544
Ixonia Bank 1 6.99% $7,675
First-Citizens Bank & Trust Company 1 6.85% $4,179
JUSTICE Federal Credit Union 1 7.38% $6,060
LAND HOME FINANCIAL SERVICES, INC. 1 7.63% $5,338
Farmers Bank & Trust 1 6.63% $3,813
Farm Credit of the Virginias, ACA 1 9.75% $5,617

HUNTINGTON - ASHLAND Average Closing Costs & Other Stats

HUNTINGTON-ASHLAND, WV-KY-OH's 120 lenders originated 5,539 loans during 2024. The total origination value was $914,085,000, with an average loan value of $165,027.

HUNTINGTON - ASHLAND's average closing costs are $4,315.

The top HUNTINGTON - ASHLAND lender as defined by loan originations is City National Bank of West Virginia, with 266 loans originated. Their average total fees are $1,525, which is $4,327 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee HUNTINGTON - ASHLAND lenders (with over 10 loans originated) are MEMBERS CHOICE ($1,332), City National Bank of West Virginia ($1,525), Community Trust Bank, Inc. ($2,077), Huntington Federal Savings Bank ($2,552) and DESCO ($2,598).

The lowest rate HUNTINGTON - ASHLAND lenders (with over 10 loans originated) are The Ohio Valley Bank Company (6.29%), Victorian Finance, LLC (6.41%), WesBanco (6.42%), Huntington Federal Savings Bank (6.54%) and United Bank (6.56%).

HUNTINGTON-ASHLAND, WV-KY-OH 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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
City National Bank of West Virginia $80,660,000 $91,095,000 12.9% 10.0%
QUICKEN LOANS, LLC $38,530,000 $50,300,000 30.5% 5.5%
MOVEMENT MORTGAGE, LLC $43,325,000 $46,005,000 6.2% 5.0%
WesBanco $20,140,000 $39,805,000 97.6% 4.4%
Mortgage Research Center, LLC $23,330,000 $33,235,000 42.5% 3.6%
UNITED WHOLESALE MORTGAGE, LLC $27,285,000 $31,775,000 16.5% 3.5%
The Ohio Valley Bank Company $21,650,000 $27,045,000 24.9% 3.0%
Huntington Federal Savings Bank $36,625,000 $26,330,000 -28.1% 2.9%
PRIMELENDING, A PLAINSCAPITAL COMPANY $33,315,000 $26,065,000 -21.8% 2.9%
LOANDEPOT.COM, LLC $20,270,000 $25,820,000 27.4% 2.8%
Putnam County Bank $22,290,000 $24,235,000 8.7% 2.7%
The Huntington National Bank $21,200,000 $24,125,000 13.8% 2.6%
STOCKTON MORTGAGE CORPORATION $9,465,000 $21,460,000 126.7% 2.3%
MEMBERS CHOICE $17,625,000 $19,600,000 11.2% 2.1%
VANDERBILT MORTGAGE AND FINANCE, INC. $13,080,000 $19,390,000 48.2% 2.1%
DESCO $13,920,000 $18,015,000 29.4% 2.0%
United Bank $19,830,000 $17,435,000 -12.1% 1.9%
Fifth Third Bank $16,225,000 $17,085,000 5.3% 1.9%
Community Trust Bank, Inc. $13,165,000 $16,995,000 29.1% 1.9%
The Commercial Bank of Grayson $16,530,000 $14,995,000 -9.3% 1.6%
Equity Prime Mortgage LLC $5,230,000 $14,800,000 183.0% 1.6%
COREVEST AMERICAN FINANCE LENDER LLC $12,505,000 n/a 1.4%
Gateway First Bank $6,515,000 $12,205,000 87.3% 1.3%
GUARANTEED RATE, INC. $3,285,000 $12,035,000 266.4% 1.3%
Bremer Bank $12,025,000 n/a 1.3%
Truist $14,360,000 $10,490,000 -26.9% 1.1%
U.S. Bank $10,210,000 $9,970,000 -2.4% 1.1%
JPMorgan Chase Bank $9,940,000 $9,075,000 -8.7% 1.0%
Kentucky Farmers Bank Corporation $7,525,000 $8,975,000 19.3% 1.0%
First Grayson Bank $4,875,000 $8,635,000 77.1% 0.9%
FREEDOM MORTGAGE CORPORATION $1,550,000 $8,560,000 452.3% 0.9%
Peoples Bank $14,450,000 $8,095,000 -44.0% 0.9%
ASHLAND Credit Union $8,880,000 $7,705,000 -13.2% 0.8%
PENNYMAC LOAN SERVICES, LLC $4,910,000 $7,565,000 54.1% 0.8%
NEWREZ LLC $4,930,000 $7,265,000 47.4% 0.8%
NAVY FEDERAL CREDIT UNION $4,725,000 $6,735,000 42.5% 0.7%
Burke & Herbert Bank & Trust Company $6,380,000 n/a 0.7%
CALCON MUTUAL MORTGAGE LLC $5,710,000 n/a 0.6%
The Poca Valley Bank, Inc. $12,010,000 $5,605,000 -53.3% 0.6%
Victorian Finance, LLC $9,410,000 $5,560,000 -40.9% 0.6%
MID AMERICA MORTGAGE, INC. $1,535,000 $4,365,000 184.4% 0.5%
CROSSCOUNTRY MORTGAGE, LLC $3,910,000 $4,275,000 9.3% 0.5%
Mr. Cooper ( Nationstar Mortgage ) $2,845,000 $3,905,000 37.3% 0.4%
BROKER SOLUTIONS, INC. $2,205,000 $3,885,000 76.2% 0.4%
VILLAGE CAPITAL MORTGAGE $1,610,000 $3,855,000 139.4% 0.4%
Citizens Bank of Kentucky, Inc. $3,065,000 $3,810,000 24.3% 0.4%
Liberty Bank $2,295,000 $3,640,000 58.6% 0.4%
PNC Bank $6,990,000 $3,550,000 -49.2% 0.4%
USAA Federal Savings Bank $5,620,000 $3,460,000 -38.4% 0.4%
SIRVA MORTGAGE, INC. $3,150,000 n/a 0.3%
SUCCESS MORTGAGE PARTNERS, INC. $2,185,000 $3,150,000 44.2% 0.3%
LAKEVIEW LOAN SERVICING, LLC $875,000 $3,085,000 252.6% 0.3%
First National Bank of Pennsylvania $2,340,000 $3,050,000 30.3% 0.3%
AMERISAVE MORTGAGE CORPORATION $4,730,000 $2,910,000 -38.5% 0.3%
MYCUMORTGAGE, LLC $2,065,000 $2,385,000 15.5% 0.3%
Summit Community Bank, Inc. $21,165,000 $2,320,000 -89.0% 0.3%
Carrington Mortgage Services, LLC $2,825,000 $2,070,000 -26.7% 0.2%
BMO Harris Bank $880,000 $1,965,000 123.3% 0.2%
SOUTHWEST STAGE FUNDING, LLC $1,105,000 $1,880,000 70.1% 0.2%
Farm Credit Mid-America, ACA $1,835,000 n/a 0.2%
Arbor Realty Trust, Inc. $1,815,000 n/a 0.2%
BAYSHORE MORTGAGE FUNDING, LLC $2,235,000 $1,765,000 -21.0% 0.2%
SouthEast Bank $1,685,000 n/a 0.2%
Citizens Bank $1,145,000 $1,655,000 44.5% 0.2%
UNION HOME MORTGAGE CORP. $1,975,000 $1,655,000 -16.2% 0.2%
HOMESIDE FINANCIAL, LLC $260,000 $1,580,000 507.7% 0.2%
Discover Bank $1,575,000 $1,540,000 -2.2% 0.2%
POLARIS HOME FUNDING CORP. $910,000 $1,505,000 65.4% 0.2%
21ST MORTGAGE CORPORATION $1,715,000 $1,420,000 -17.2% 0.2%
ATOMIC CREDIT UNION, INC. $455,000 $1,385,000 204.4% 0.2%
1ST SIGNATURE LENDING, LLC $645,000 $1,330,000 106.2% 0.1%
First Federal Bank $1,315,000 n/a 0.1%
UNIVERSAL Federal Credit Union $600,000 $1,195,000 99.2% 0.1%
ZILLOW HOME LOANS, LLC $700,000 $1,155,000 65.0% 0.1%
The Farmers Bank & Savings Company $1,125,000 $1,150,000 2.2% 0.1%
GENERAL ELECTRIC CREDIT UNION $405,000 $1,090,000 169.1% 0.1%
AMERICAN FINANCING CORPORATION $450,000 $1,070,000 137.8% 0.1%
Barrington Bank & Trust Company, N.A. $1,110,000 $1,015,000 -8.6% 0.1%
DAS Acquisition Company, LLC $1,095,000 $1,005,000 -8.2% 0.1%
The Federal Savings Bank $550,000 $990,000 80.0% 0.1%
ROYAL UNITED MORTGAGE LLC $1,765,000 $980,000 -44.5% 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $1,060,000 $960,000 -9.4% 0.1%
WEST VIRGINIA FEDERAL CREDIT UNION $1,130,000 $940,000 -16.8% 0.1%
BETTER MORTGAGE CORPORATION $875,000 n/a 0.1%
HOMESPIRE MORTGAGE CORPORATION $205,000 $870,000 324.4% 0.1%
PLANET HOME LENDING, LLC $1,005,000 $860,000 -14.4% 0.1%
First State Bank $470,000 $815,000 73.4% 0.1%
PHH Mortgage Corporation $145,000 $740,000 410.3% 0.1%
Citizens Bank $1,145,000 $735,000 -35.8% 0.1%
Bank of America $365,000 $730,000 100.0% 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $255,000 $715,000 180.4% 0.1%
Northpointe Bank $605,000 $710,000 17.4% 0.1%
CARDINAL FINANCIAL $1,355,000 $700,000 -48.3% 0.1%
Nations Lending Corporation $700,000 n/a 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $385,000 $680,000 76.6% 0.1%
MCNB Bank and Trust Co. $3,615,000 $670,000 -81.5% 0.1%
Wells Fargo Bank $3,675,000 $665,000 -81.9% 0.1%
FIRST COLONY MORTGAGE CORPORATION $655,000 n/a 0.1%
Whitaker Bank $230,000 $640,000 178.3% 0.1%
Ally Bank $270,000 $635,000 135.2% 0.1%
NBKC BANK $1,520,000 $600,000 -60.5% 0.1%
T2 FINANCIAL LLC $1,795,000 $595,000 -66.9% 0.1%
Chambers Bank $585,000 n/a 0.1%
ENDEAVOR CAPITAL, LLC. $125,000 $580,000 364.0% 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $95,000 $570,000 500.0% 0.1%
COMMONWEALTH $295,000 $555,000 88.1% 0.1%
Stock Yards Bank & Trust Company $515,000 $555,000 7.8% 0.1%
Cornerstone First Mortgage, Inc $520,000 n/a 0.1%
Assurance Financial Group, L.L.C. $505,000 n/a 0.1%
Prosperity Home Mortgage, LLC $775,000 $500,000 -35.5% 0.1%
Sandy Spring Bank $485,000 n/a 0.1%
Toyota Financial Savings Bank $485,000 n/a 0.1%
First-Citizens Bank & Trust Company $475,000 n/a 0.1%
Magnolia Bank $360,000 $475,000 31.9% 0.1%
Paramount Residential Mortgage Group, Inc. $145,000 $470,000 224.1% 0.1%
Peoples Exchange Bank $725,000 $465,000 -35.9% 0.1%
EQUITY RESOURCES, INC. $300,000 $460,000 53.3% 0.1%
FirstBank $395,000 $460,000 16.5% 0.1%
TOP FLITE FINANCIAL, INC. $115,000 $460,000 300.0% 0.1%
NEW DAY FINANCIAL, LLC $975,000 $450,000 -53.8% 0.0%
Charles Schwab Bank, SSB $445,000 n/a 0.0%
M&T Bank $265,000 $445,000 67.9% 0.0%
SUN WEST MORTGAGE COMPANY, INC. $450,000 $445,000 -1.1% 0.0%
MUTUAL OF OMAHA MORTGAGE, INC. $1,035,000 $435,000 -58.0% 0.0%
GUILD MORTGAGE COMPANY $395,000 $430,000 8.9% 0.0%
TRIAD FINANCIAL SERVICES, INC. $295,000 $415,000 40.7% 0.0%
GUARANTEED RATE AFFINITY, LLC $415,000 $395,000 -4.8% 0.0%
EUSTIS AND AMERICAN MORTGAGE COMPANY $265,000 $385,000 45.3% 0.0%
CLEARPATH LENDING $380,000 $380,000 0.0% 0.0%
PENTAGON FEDERAL CREDIT UNION $480,000 $380,000 -20.8% 0.0%
LENDINGHOME FUNDING CORPORATION $85,000 $375,000 341.2% 0.0%
Clear Mountain Bank $225,000 $365,000 62.2% 0.0%
Ixonia Bank $360,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $505,000 $345,000 -31.7% 0.0%
AmeriHome Mortgage Company, LLC $195,000 $345,000 76.9% 0.0%
HOMESTEAD FUNDING CORP. $345,000 n/a 0.0%
ALLIED MORTGAGE GROUP, INC. $340,000 n/a 0.0%
FINANCE OF AMERICA REVERSE LLC $185,000 $340,000 83.8% 0.0%
OCEANSIDE MORTGAGE COMPANY $340,000 n/a 0.0%
Waterstone Mortgage Corporation $335,000 n/a 0.0%
Coastal Community Bank $75,000 $330,000 340.0% 0.0%
AMERICAN HERITAGE LENDING, INC. $475,000 $325,000 -31.6% 0.0%
Colonial Savings, F.A. $325,000 n/a 0.0%
JUSTICE Federal Credit Union $325,000 n/a 0.0%
LIBERTY HOME MORTGAGE CORPORATION $670,000 $325,000 -51.5% 0.0%
Northwest Federal Credit Union $95,000 $325,000 242.1% 0.0%
RELIANCE FIRST CAPITAL, LLC $320,000 n/a 0.0%
STAR USA FEDERAL CREDIT UNION $320,000 n/a 0.0%
The Park National Bank $320,000 n/a 0.0%
WRIGHT-PATT CREDIT UNION, INC. $265,000 $310,000 17.0% 0.0%
NFM, INC. $655,000 $305,000 -53.4% 0.0%
Armed Forces Bank $295,000 n/a 0.0%
First Home Bank $290,000 n/a 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $290,000 n/a 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $170,000 $285,000 67.6% 0.0%
GUIDANCE RESIDENTIAL, LLC $655,000 $285,000 -56.5% 0.0%
CAMC Federal Credit Union $230,000 $280,000 21.7% 0.0%
AFFORDABLE MORTGAGE ADVISORS, LLC. $275,000 n/a 0.0%
CONSTRUCTIVE LOANS, LLC $270,000 n/a 0.0%
ENVOY MORTGAGE, LTD $260,000 n/a 0.0%
FIRST BANCORP $255,000 n/a 0.0%
Integrity Home Mortgage Corp $255,000 n/a 0.0%
ALLIANT CREDIT UNION $245,000 n/a 0.0%
Citibank $245,000 n/a 0.0%
AMERICAN FINANCIAL NETWORK, INC. $230,000 $235,000 2.2% 0.0%
Bank of England $190,000 $225,000 18.4% 0.0%
CMG MORTGAGE, INC. $285,000 $225,000 -21.1% 0.0%
FOUNDATION MORTGAGE CORPORATION $225,000 n/a 0.0%
GENEVA FINANCIAL, LLC $195,000 $225,000 15.4% 0.0%
PROVIDENT FUNDING ASSOCIATES, L.P. $370,000 $225,000 -39.2% 0.0%
EVANSVILLE TEACHERS $210,000 $215,000 2.4% 0.0%
Farm Credit of the Virginias, ACA $215,000 n/a 0.0%
Farmers Bank & Trust $395,000 $215,000 -45.6% 0.0%
MORTGAGE ACCESS CORP. $215,000 n/a 0.0%
PLAZA HOME MORTGAGE, INC. $135,000 $215,000 59.3% 0.0%
Union Savings Bank $215,000 n/a 0.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. $205,000 n/a 0.0%
HARTFORD FUNDING, LTD. $185,000 n/a 0.0%
THE STATE CREDIT UNION $65,000 $185,000 184.6% 0.0%
NEXERA HOLDING LLC $175,000 n/a 0.0%
East Coast Capital Corp. $165,000 n/a 0.0%
Guardian Savings Bank, A Federal Savings Bank $165,000 n/a 0.0%
MORIA DEVELOPMENT, INC. $130,000 $165,000 26.9% 0.0%
Presidential Bank, FSB $165,000 n/a 0.0%
Community Bank of Parkersburg $155,000 n/a 0.0%
First Merchants Bank $315,000 $155,000 -50.8% 0.0%
LAND HOME FINANCIAL SERVICES, INC. $155,000 n/a 0.0%
Quontic Bank $95,000 $155,000 63.2% 0.0%
Figure Lending LLC $170,000 $150,000 -11.8% 0.0%
DEEPHAVEN MORTGAGE LLC $145,000 n/a 0.0%
First Bank $145,000 n/a 0.0%
FIRST OHIO HOME FINANCE, INC. $145,000 n/a 0.0%
GSF Mortgage Corporation $65,000 $145,000 123.1% 0.0%
First Option Mortgage, LLC $140,000 n/a 0.0%
AmRes Corporation $135,000 n/a 0.0%
Members Choice WV Federal Credit Union $1,125,000 $135,000 -88.0% 0.0%
Peoples Bank $14,450,000 $135,000 -99.1% 0.0%
UNIVERSITY OF KENTUCKY $155,000 $130,000 -16.1% 0.0%
FIRST HOME MORTGAGE CORPORATION $185,000 $125,000 -32.4% 0.0%
GERSHMAN INVESTMENT CORP. $120,000 n/a 0.0%
Flagstar Bank, FSB $560,000 $115,000 -79.5% 0.0%
LENDINGONE, LLC $115,000 n/a 0.0%
Meade County Bank $120,000 $110,000 -8.3% 0.0%
GoPrime Mortgage, Inc. $1,345,000 $105,000 -92.2% 0.0%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $105,000 n/a 0.0%
Third Federal Savings and Loan Association of Cleveland $25,000 $105,000 320.0% 0.0%
TOWNE MORTGAGE COMPANY $115,000 $105,000 -8.7% 0.0%
Century Mortgage Company DBA Century Lending Company $300,000 $95,000 -68.3% 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $95,000 n/a 0.0%
Regions Bank $180,000 $95,000 -47.2% 0.0%
DOMINION FINANCIAL SERVICES, LLC $125,000 $75,000 -40.0% 0.0%
SOUTHWEST FUNDING, LP $75,000 n/a 0.0%
RUOFF MORTGAGE COMPANY, INC. $740,000 $65,000 -91.2% 0.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,270,000 $55,000 -95.7% 0.0%
Bethpage Federal Credit Union $25,000 $50,000 100.0% 0.0%
First Commonwealth Bank $50,000 n/a 0.0%
CHURCHILL MORTGAGE CORPORATION $440,000 $45,000 -89.8% 0.0%
EASTMAN $275,000 $45,000 -83.6% 0.0%
QUORUM FEDERAL CREDIT UNION $45,000 $45,000 0.0% 0.0%
NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION $35,000 n/a 0.0%
SPRING EQ, LLC $55,000 $35,000 -36.4% 0.0%
Bank-Fund Staff Federal Credit Union $25,000 n/a 0.0%
L & N Federal Credit Union $25,000 n/a 0.0%
UNIFY FINANCIAL Credit Union $180,000 $25,000 -86.1% 0.0%
UNITED $25,000 n/a 0.0%

HUNTINGTON - ASHLAND's top lender by overall market share is City National Bank of West Virginia, with 10.0% market share. In second place, with 5.5%, is QUICKEN LOANS, LLC, having originated $50,300,000 in loans. In third place, with 5.0%, is MOVEMENT MORTGAGE, LLC, having originated $46,005,000 in loans. In fourth place, with 4.4%, is WesBanco, having originated $39,805,000 in loans. In fifth place, with 3.6%, is Mortgage Research Center, LLC, having originated $33,235,000 in loans.

HUNTINGTON-ASHLAND, WV-KY-OH Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 3,172 $625,340,000 $197,144
Refi 734 $124,980,000 $170,272
Cash Out Refi 604 $87,990,000 $145,679
Home Improvement 519 $34,595,000 $66,657
Other 495 $37,315,000 $75,384
NA 15 $3,865,000 $257,667

Huntington - Ashland's most frequently cited loan purpose was Home Purchase, with 3,172 originations. The 2nd most popular reason was Refi, with 734 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 2,136 $403,370,000 $188,844
7-8% 1,090 $178,990,000 $164,211
Over 8% 960 $114,700,000 $119,479
5-6% 548 $111,800,000 $204,015
2.5-3% 168 $12,490,000 $74,345
3-4% 68 $5,830,000 $85,735
<2.5% 46 $850,000 $18,478
4-5% 32 $8,290,000 $259,063

During 2024, Huntington - Ashland's most frequently originated rate bucket was 6-7%, with 2,136 originations.

Loan Sizing (HUNTINGTON-ASHLAND, WV-KY-OH MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 2,078 $300,520,000 $144,620
$100,000 or less 2,056 $111,720,000 $54,339
$200k-400k 1,155 $311,615,000 $269,797
$400k-600k 186 $88,020,000 $473,226
$600k-1000k 48 $34,180,000 $712,083
$Over $1MM 16 $68,030,000 $4,251,875

HUNTINGTON - ASHLAND's loan sizing saw the bucket of loans from $100k-200k with 2,078 originations, totaling $300,520,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 2,415 $478,065,000 $197,957
60-80% 849 $164,745,000 $194,046
20-40% 638 $47,540,000 $74,514
Under 20% 586 $21,900,000 $37,372
40-60% 396 $70,790,000 $178,763
Over 100% 114 $41,570,000 $364,649

HUNTINGTON - ASHLAND's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,415 originations, totaling $478,065,000 in origination value.