MORGANTOWN Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Morgantown averaged
6.72%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.92% and
one month ago for the week of 2025-05-29, the
average rate was 7.14%.
Morgantown's average rate one year ago was 6.81%.
For refis of the same type during the week of 2025-07-03, the average rate
was 7.45%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Morgantown 30 Year Fixed Rate | 2025-07-03 | 6.72% |
| Morgantown 30 Year Fixed Rate Refi | 2025-07-03 | 7.45% |
| Morgantown 15 Year Fixed Rate | 2025-07-03 | 5.6% |
| Morgantown 15 Year Fixed Rate Refi | 2025-07-03 | 6.1% |
| Morgantown 30 Year FHA | 2025-07-03 | 0.09% |
| Morgantown 30 Year FHA Refi | 2025-07-03 | 0% |
| Morgantown 30 Year USDA | 2025-07-03 | 0.2% |
| Morgantown 30 Year USDA Refi | 2025-07-03 | -0.1% |
| Morgantown 30 Year VA | 2025-07-03 | 0.03% |
| Morgantown 30 Year VA Refi | 2025-07-03 | -0.1% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within MORGANTOWN, WV.
MORGANTOWN 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 MORGANTOWN, 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.).
MORGANTOWN Average Closing Costs & Other Stats
MORGANTOWN, WV's 95 lenders originated 1,944
loans during 2024. The total origination value was $485,690,000, with an average loan value of
$249,841.
MORGANTOWN's average closing costs are $4,708.
The top MORGANTOWN lender as defined by loan originations is Clear Mountain Bank, with
123 loans originated. Their average total fees are
$3,895, which is $920
lower than the next largest lender,
The Huntington National Bank.
The lowest fee MORGANTOWN lenders (with over 10 loans originated) are
City National Bank of West Virginia ($2,152), JPMorgan Chase Bank ($2,555), FAIRMONT ($2,973), Clear Mountain Bank ($3,895) and Truist ($4,225).
The lowest rate MORGANTOWN lenders (with over 10 loans originated) are
FAIRMONT (6.06%), United Bank (6.38%), LOANDEPOT.COM, LLC (6.40%), WesBanco (6.44%) and JPMorgan Chase Bank (6.59%).
MORGANTOWN, 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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Clear Mountain Bank | $50,680,000 | $55,470,000 | 9.5% | 11.4% |
| The Huntington National Bank | $45,830,000 | $49,420,000 | 7.8% | 10.2% |
| WesBanco | $18,910,000 | $24,210,000 | 28.0% | 5.0% |
| INTERCOASTAL MORTGAGE COMPANY | $15,685,000 | $20,490,000 | 30.6% | 4.2% |
| PNC Bank | $18,775,000 | $20,030,000 | 6.7% | 4.1% |
| UNITED WHOLESALE MORTGAGE, LLC | $20,675,000 | $17,810,000 | -13.9% | 3.7% |
| United Bank | $18,940,000 | $17,455,000 | -7.8% | 3.6% |
| QUICKEN LOANS, LLC | $19,675,000 | $17,135,000 | -12.9% | 3.5% |
| First National Bank of Pennsylvania | $18,360,000 | $16,810,000 | -8.4% | 3.5% |
| City National Bank of West Virginia | $8,800,000 | $15,805,000 | 79.6% | 3.3% |
| LOANDEPOT.COM, LLC | $7,105,000 | $14,295,000 | 101.2% | 2.9% |
| Truist | $12,950,000 | $14,005,000 | 8.1% | 2.9% |
| NVR Mortgage Finance, Inc. | $16,645,000 | $13,465,000 | -19.1% | 2.8% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,135,000 | $12,570,000 | 1,007.5% | 2.6% |
| Mortgage Research Center, LLC | $7,375,000 | $12,435,000 | 68.6% | 2.6% |
| Burke & Herbert Bank & Trust Company | $905,000 | $10,780,000 | 1,091.2% | 2.2% |
| First Federal Savings and Loan Association of Greene Co | $9,930,000 | $8,475,000 | -14.7% | 1.7% |
| First United Corporation | $13,025,000 | $8,425,000 | -35.3% | 1.7% |
| NAVY FEDERAL CREDIT UNION | $4,185,000 | $7,245,000 | 73.1% | 1.5% |
| EagleBank | $7,205,000 | n/a | 1.5% | |
| First Exchange Bank | $18,145,000 | $7,045,000 | -61.2% | 1.5% |
| USAA Federal Savings Bank | $2,440,000 | $4,860,000 | 99.2% | 1.0% |
| FAIRMONT | $5,395,000 | $4,770,000 | -11.6% | 1.0% |
| JPMorgan Chase Bank | $3,990,000 | $4,110,000 | 3.0% | 0.8% |
| PENNYMAC LOAN SERVICES, LLC | $480,000 | $3,760,000 | 683.3% | 0.8% |
| FREEDOM MORTGAGE CORPORATION | $995,000 | $3,400,000 | 241.7% | 0.7% |
| Brentwood Bank | $2,955,000 | n/a | 0.6% | |
| Presidential Bank, FSB | $2,480,000 | n/a | 0.5% | |
| Flagstar Bank, FSB | $2,540,000 | $2,465,000 | -3.0% | 0.5% |
| Integrity Home Mortgage Corp | $175,000 | $2,370,000 | 1,254.3% | 0.5% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $2,785,000 | $2,210,000 | -20.6% | 0.5% |
| Pinnacle Bank | $2,195,000 | n/a | 0.5% | |
| SOMERSET TRUST COMPANY | $1,115,000 | $2,145,000 | 92.4% | 0.4% |
| BROKER SOLUTIONS, INC. | $1,765,000 | $2,070,000 | 17.3% | 0.4% |
| DAS Acquisition Company, LLC | $2,440,000 | $2,045,000 | -16.2% | 0.4% |
| MY MORTGAGE, INC. | $2,045,000 | n/a | 0.4% | |
| U.S. Bank | $1,310,000 | $1,960,000 | 49.6% | 0.4% |
| UNION HOME MORTGAGE CORP. | $315,000 | $1,815,000 | 476.2% | 0.4% |
| Bank of America | $1,755,000 | $1,805,000 | 2.8% | 0.4% |
| MILLENNIUM FINANCIAL GROUP, INC. | $285,000 | $1,750,000 | 514.0% | 0.4% |
| GUARANTEED RATE, INC. | $165,000 | $1,745,000 | 957.6% | 0.4% |
| Atlantic Coast Mortgage, LLC | $1,500,000 | n/a | 0.3% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $115,000 | $1,495,000 | 1,200.0% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,435,000 | $1,495,000 | 4.2% | 0.3% |
| Fifth Third Bank | $110,000 | $1,395,000 | 1,168.2% | 0.3% |
| BAYER HERITAGE | $325,000 | $1,235,000 | 280.0% | 0.3% |
| CNB Bank Inc. | $1,185,000 | n/a | 0.2% | |
| DHI MORTGAGE COMPANY, LTD. | $1,185,000 | n/a | 0.2% | |
| BETTER MORTGAGE CORPORATION | $910,000 | $1,140,000 | 25.3% | 0.2% |
| First Federal Bank of the Midwest | $19,025,000 | $1,095,000 | -94.2% | 0.2% |
| 21ST MORTGAGE CORPORATION | $920,000 | $1,080,000 | 17.4% | 0.2% |
| NEWREZ LLC | $995,000 | $1,055,000 | 6.0% | 0.2% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $420,000 | $1,040,000 | 147.6% | 0.2% |
| JUSTICE Federal Credit Union | $405,000 | $1,035,000 | 155.6% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $1,305,000 | $960,000 | -26.4% | 0.2% |
| Discover Bank | $355,000 | $955,000 | 169.0% | 0.2% |
| CMG MORTGAGE, INC. | $890,000 | n/a | 0.2% | |
| Wells Fargo Bank | $955,000 | $855,000 | -10.5% | 0.2% |
| BAYSHORE MORTGAGE FUNDING, LLC | $785,000 | n/a | 0.2% | |
| Equity Prime Mortgage LLC | $660,000 | $780,000 | 18.2% | 0.2% |
| First Guaranty Bank | $775,000 | n/a | 0.2% | |
| AMERISAVE MORTGAGE CORPORATION | $740,000 | $730,000 | -1.4% | 0.2% |
| EASTMAN | $705,000 | n/a | 0.1% | |
| Summit Community Bank, Inc. | $4,260,000 | $700,000 | -83.6% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $685,000 | n/a | 0.1% | |
| HOMESPIRE MORTGAGE CORPORATION | $285,000 | $680,000 | 138.6% | 0.1% |
| NBKC BANK | $520,000 | $670,000 | 28.8% | 0.1% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $660,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL NETWORK, INC. | $285,000 | $650,000 | 128.1% | 0.1% |
| POLARIS HOME FUNDING CORP. | $205,000 | $645,000 | 214.6% | 0.1% |
| Carrington Mortgage Services, LLC | $205,000 | $640,000 | 212.2% | 0.1% |
| Citizens Bank | $1,075,000 | $640,000 | -40.5% | 0.1% |
| Citadel Servicing Corporation | $630,000 | n/a | 0.1% | |
| NFM, INC. | $195,000 | $615,000 | 215.4% | 0.1% |
| WEPCO Federal Credit Union | $710,000 | $605,000 | -14.8% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $705,000 | $595,000 | -15.6% | 0.1% |
| City Bank | $575,000 | n/a | 0.1% | |
| STOCKTON MORTGAGE CORPORATION | $565,000 | n/a | 0.1% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $465,000 | $560,000 | 20.4% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $440,000 | $560,000 | 27.3% | 0.1% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | $520,000 | n/a | 0.1% | |
| NexBank | $515,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $505,000 | n/a | 0.1% | |
| Putnam County Bank | $850,000 | $505,000 | -40.6% | 0.1% |
| The Dart Bank | $495,000 | n/a | 0.1% | |
| The Grant County Bank | $2,445,000 | $495,000 | -79.8% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $7,080,000 | $490,000 | -93.1% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $175,000 | $475,000 | 171.4% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $475,000 | n/a | 0.1% | |
| HOMEXPRESS MORTGAGE CORP. | $460,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $940,000 | $450,000 | -52.1% | 0.1% |
| C & F Mortgage Corporation | $155,000 | $450,000 | 190.3% | 0.1% |
| Towne Bank | $450,000 | n/a | 0.1% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $270,000 | $445,000 | 64.8% | 0.1% |
| MidFirst Bank | $445,000 | n/a | 0.1% | |
| MLD MORTGAGE INC. | $445,000 | n/a | 0.1% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $435,000 | n/a | 0.1% | |
| First Federal Bank | $215,000 | $425,000 | 97.7% | 0.1% |
| Magnolia Bank | $550,000 | $425,000 | -22.7% | 0.1% |
| Waterstone Mortgage Corporation | $420,000 | n/a | 0.1% | |
| Northpointe Bank | $155,000 | $390,000 | 151.6% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $865,000 | $375,000 | -56.6% | 0.1% |
| ALLIED MORTGAGE GROUP, INC. | $365,000 | n/a | 0.1% | |
| PREMIA MORTGAGE, LLC | $365,000 | n/a | 0.1% | |
| Ally Bank | $355,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $210,000 | $350,000 | 66.7% | 0.1% |
| Pendleton Community Bank, Inc. | $185,000 | $350,000 | 89.2% | 0.1% |
| The Ohio Valley Bank Company | $345,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $340,000 | n/a | 0.1% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,655,000 | $340,000 | -79.5% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $470,000 | $340,000 | -27.7% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $335,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $135,000 | $325,000 | 140.7% | 0.1% |
| First Community Bank | $625,000 | $315,000 | -49.6% | 0.1% |
| Plains Commerce Bank | $315,000 | n/a | 0.1% | |
| AMERICAN HERITAGE LENDING, INC. | $310,000 | n/a | 0.1% | |
| Atlantic Union Bank | $135,000 | $305,000 | 125.9% | 0.1% |
| United Nations Federal Credit Union | $305,000 | n/a | 0.1% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $175,000 | $290,000 | 65.7% | 0.1% |
| The Poca Valley Bank, Inc. | $290,000 | n/a | 0.1% | |
| MICHIGAN MUTUAL, INC. | $275,000 | $285,000 | 3.6% | 0.1% |
| South State Bank | $285,000 | n/a | 0.1% | |
| M&T Bank | $200,000 | $275,000 | 37.5% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $660,000 | $275,000 | -58.3% | 0.1% |
| CHESSIE | $270,000 | n/a | 0.1% | |
| Community Bank of Parkersburg | $85,000 | $270,000 | 217.6% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $265,000 | n/a | 0.1% | |
| Citibank | $55,000 | $265,000 | 381.8% | 0.1% |
| Cache Valley Bank | $255,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $245,000 | n/a | 0.1% | |
| Bank of Whittier | $245,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $2,215,000 | $245,000 | -88.9% | 0.1% |
| Dollar Bank, Federal Savings Bank | $225,000 | n/a | 0.0% | |
| Paramount Residential Mortgage Group, Inc. | $365,000 | $225,000 | -38.4% | 0.0% |
| Community First National Bank | $215,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $205,000 | n/a | 0.0% | |
| BAY CAPITAL MORTGAGE CORPORATION | $205,000 | n/a | 0.0% | |
| Belmont Savings Bank | $1,570,000 | $205,000 | -86.9% | 0.0% |
| PHH Mortgage Corporation | $205,000 | n/a | 0.0% | |
| Univest Bank and Trust Co. | $455,000 | $205,000 | -54.9% | 0.0% |
| Victorian Finance, LLC | $925,000 | $205,000 | -77.8% | 0.0% |
| Bank of Clarke County | $195,000 | n/a | 0.0% | |
| TEMPLE VIEW CAPITAL FUNDING, LP | $195,000 | n/a | 0.0% | |
| Old National Bank | $175,000 | n/a | 0.0% | |
| The Loan Store, Inc. | $175,000 | n/a | 0.0% | |
| Capon Valley Bank | $165,000 | n/a | 0.0% | |
| EQUITY RESOURCES, INC. | $165,000 | n/a | 0.0% | |
| Signature Federal Credit Union | $165,000 | n/a | 0.0% | |
| York Traditions Bank | $165,000 | n/a | 0.0% | |
| GUIDANCE RESIDENTIAL, LLC | $1,530,000 | $155,000 | -89.9% | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | $155,000 | n/a | 0.0% | |
| ADVANCIAL | $145,000 | n/a | 0.0% | |
| AMERITRUST MORTGAGE CORPORATION | $135,000 | n/a | 0.0% | |
| Gateway First Bank | $230,000 | $135,000 | -41.3% | 0.0% |
| The United Federal Credit Union | $1,510,000 | $135,000 | -91.1% | 0.0% |
| FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION | $130,000 | n/a | 0.0% | |
| AMWEST FUNDING CORP. | $125,000 | n/a | 0.0% | |
| Barrington Bank & Trust Company, N.A. | $105,000 | $115,000 | 9.5% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $105,000 | n/a | 0.0% | |
| Clearview Federal Credit Union | $555,000 | $95,000 | -82.9% | 0.0% |
| Bank of England | $1,005,000 | $85,000 | -91.5% | 0.0% |
| DIGITAL Federal Credit Union | $475,000 | $85,000 | -82.1% | 0.0% |
| S&T Bank | $760,000 | $85,000 | -88.8% | 0.0% |
| Community Bank | $710,000 | $75,000 | -89.4% | 0.0% |
| Peoples Bank | $8,285,000 | $65,000 | -99.2% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $65,000 | n/a | 0.0% | |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | $65,000 | n/a | 0.0% | |
| NASA Federal Credit Union | $45,000 | n/a | 0.0% |
MORGANTOWN's top lender by overall market share is Clear Mountain Bank, with 11.4% market share. In second place, with 10.2%, is The Huntington National Bank, having originated $49,420,000 in loans. In third place, with 5.0%, is WesBanco, having originated $24,210,000 in loans. In fourth place, with 4.2%, is INTERCOASTAL MORTGAGE COMPANY, having originated $20,490,000 in loans. In fifth place, with 4.1%, is PNC Bank, having originated $20,030,000 in loans.
MORGANTOWN Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - MORGANTOWN (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 | $215,000 (0.0%) | $289,171 (3.6%) | 0.80 | 582 |
| 2018-02-01 | $222,450 (4.2%) | $299,553 (8.4%) | 0.81 | 540 |
| 2018-03-01 | $240,000 (11.8%) | $315,622 (13.4%) | 0.84 | 496 |
| 2018-04-01 | $244,725 (8.8%) | $317,418 (9.4%) | 0.83 | 527 |
| 2018-05-01 | $246,500 (7.2%) | $314,328 (5.8%) | 0.82 | 567 |
| 2018-06-01 | $239,900 (4.5%) | $305,747 (1.6%) | 0.80 | 591 |
| 2018-07-01 | $239,700 (4.3%) | $298,521 (-2.6%) | 0.80 | 614 |
| 2018-08-01 | $237,000 (3.5%) | $304,234 (0.6%) | 0.79 | 616 |
| 2018-09-01 | $241,500 (9.8%) | $305,047 (1.0%) | 0.81 | 634 |
| 2018-10-01 | $241,825 (10.2%) | $305,567 (4.3%) | 0.82 | 627 |
| 2018-11-01 | $241,250 (12.2%) | $303,246 (4.9%) | 0.82 | 596 |
| 2018-12-01 | $239,900 (11.4%) | $298,427 (3.0%) | 0.83 | 549 |
| 2019-01-01 | $244,425 (13.7%) | $308,918 (6.8%) | 0.84 | 497 |
| 2019-02-01 | $240,450 (8.1%) | $313,040 (4.5%) | 0.81 | 493 |
| 2019-03-01 | $251,285 (4.7%) | $321,396 (1.8%) | 0.82 | 490 |
| 2019-04-01 | $263,236 (7.6%) | $326,900 (3.0%) | 0.84 | 496 |
| 2019-05-01 | $266,700 (8.2%) | $327,026 (4.0%) | 0.83 | 546 |
| 2019-06-01 | $259,900 (8.3%) | $321,956 (5.3%) | 0.81 | 571 |
| 2019-07-01 | $259,999 (8.5%) | $323,144 (8.3%) | 0.81 | 592 |
| 2019-08-01 | $265,355 (12.0%) | $322,333 (6.0%) | 0.84 | 601 |
| 2019-09-01 | $262,286 (8.6%) | $320,270 (5.0%) | 0.84 | 615 |
| 2019-10-01 | $259,950 (7.5%) | $318,763 (4.3%) | 0.84 | 623 |
| 2019-11-01 | $255,000 (5.7%) | $306,472 (1.1%) | 0.84 | 589 |
| 2019-12-01 | $252,350 (5.2%) | $300,286 (0.6%) | 0.84 | 557 |
| 2020-01-01 | $257,000 (5.1%) | $307,763 (-0.4%) | 0.86 | 479 |
| 2020-02-01 | $267,200 (11.1%) | $321,663 (2.8%) | 0.87 | 468 |
| 2020-03-01 | $274,950 (9.4%) | $346,650 (7.9%) | 0.86 | 465 |
| 2020-04-01 | $275,250 (4.6%) | $346,196 (5.9%) | 0.86 | 465 |
| 2020-05-01 | $294,000 (10.2%) | $355,545 (8.7%) | 0.89 | 427 |
| 2020-06-01 | $291,475 (12.2%) | $363,625 (12.9%) | 0.86 | 395 |
| 2020-07-01 | $284,500 (9.4%) | $360,068 (11.4%) | 0.82 | 379 |
| 2020-08-01 | $279,000 (5.1%) | $364,541 (13.1%) | 0.80 | 376 |
| 2020-09-01 | $277,000 (5.6%) | $369,635 (15.4%) | 0.79 | 364 |
| 2020-10-01 | $273,950 (5.4%) | $364,458 (14.3%) | 0.79 | 359 |
| 2020-11-01 | $271,475 (6.5%) | $353,273 (15.3%) | 0.79 | 326 |
| 2020-12-01 | $272,500 (8.0%) | $354,430 (18.0%) | 0.81 | 296 |
| 2021-01-01 | $276,250 (7.5%) | $347,731 (13.0%) | 0.82 | 261 |
| 2021-02-01 | $276,970 (3.7%) | $337,124 (4.8%) | 0.81 | 234 |
| 2021-03-01 | $294,850 (7.2%) | $369,605 (6.6%) | 0.84 | 208 |
| 2021-04-01 | $304,900 (10.8%) | $385,071 (11.2%) | 0.83 | 201 |
| 2021-05-01 | $299,900 (2.0%) | $396,293 (11.5%) | 0.80 | 192 |
| 2021-06-01 | $307,948 (5.7%) | $407,556 (12.1%) | 0.81 | 205 |
| 2021-07-01 | $285,000 (0.2%) | $386,960 (7.5%) | 0.75 | 227 |
| 2021-08-01 | $275,000 (-1.4%) | $379,581 (4.1%) | 0.73 | 222 |
| 2021-09-01 | $259,900 (-6.2%) | $359,874 (-2.6%) | 0.69 | 236 |
| 2021-10-01 | $264,900 (-3.3%) | $351,875 (-3.5%) | 0.71 | 229 |
| 2021-11-01 | $272,250 (0.3%) | $355,283 (0.6%) | 0.73 | 221 |
| 2021-12-01 | $285,725 (4.9%) | $356,760 (0.7%) | 0.77 | 188 |
| 2022-01-01 | $288,450 (4.4%) | $347,000 (-0.2%) | 0.78 | 137 |
| 2022-02-01 | $286,000 (3.3%) | $370,019 (9.8%) | 0.74 | 123 |
| 2022-03-01 | $299,900 (1.7%) | $397,908 (7.7%) | 0.75 | 136 |
| 2022-04-01 | $299,950 (-1.6%) | $406,376 (5.5%) | 0.72 | 130 |
| 2022-05-01 | $292,875 (-2.3%) | $395,725 (-0.1%) | 0.67 | 158 |
| 2022-06-01 | $280,375 (-9.0%) | $381,518 (-6.4%) | 0.62 | 176 |
| 2022-07-01 | $280,000 (-1.8%) | $383,635 (-0.9%) | 0.63 | 189 |
| 2022-08-01 | $277,225 (0.8%) | $355,441 (-6.4%) | 0.64 | 211 |
| 2022-09-01 | $274,725 (5.7%) | $353,700 (-1.7%) | 0.64 | 218 |
| 2022-10-01 | $280,000 (5.7%) | $380,759 (8.2%) | 0.66 | 217 |
| 2022-11-01 | $280,000 (2.9%) | $396,276 (11.5%) | 0.67 | 213 |
| 2022-12-01 | $294,000 (2.9%) | $411,661 (15.4%) | 0.73 | 194 |
| 2023-01-01 | $301,900 (4.7%) | $441,633 (27.3%) | 0.75 | 180 |
| 2023-02-01 | $299,215 (4.6%) | $450,322 (21.7%) | 0.72 | 165 |
| 2023-03-01 | $304,245 (1.5%) | $472,467 (18.7%) | 0.72 | 158 |
| 2023-04-01 | $315,000 (5.0%) | $504,089 (24.0%) | 0.73 | 172 |
| 2023-05-01 | $310,495 (6.0%) | $475,609 (20.2%) | 0.70 | 200 |
| 2023-06-01 | $322,998 (15.2%) | $474,564 (24.4%) | 0.73 | 209 |
| 2023-07-01 | $320,995 (14.6%) | $468,837 (22.2%) | 0.73 | 207 |
| 2023-08-01 | $304,718 (9.9%) | $450,058 (26.6%) | 0.70 | 228 |
| 2023-09-01 | $315,000 (14.7%) | $435,332 (23.1%) | 0.73 | 252 |
| 2023-10-01 | $303,495 (8.4%) | $413,832 (8.7%) | 0.71 | 257 |
| 2023-11-01 | $299,973 (7.1%) | $401,324 (1.3%) | 0.71 | 255 |
| 2023-12-01 | $317,000 (7.8%) | $410,177 (-0.4%) | 0.77 | 229 |
| 2024-01-01 | $325,000 (7.7%) | $423,813 (-4.0%) | 0.79 | 197 |
| 2024-02-01 | $329,500 (10.1%) | $422,913 (-6.1%) | 0.79 | 183 |
| 2024-03-01 | $330,000 (8.5%) | $435,823 (-7.8%) | 0.78 | 202 |
| 2024-04-01 | $326,975 (3.8%) | $439,049 (-12.9%) | 0.76 | 234 |
| 2024-05-01 | $362,000 (16.6%) | $458,202 (-3.7%) | 0.82 | 237 |
| 2024-06-01 | $355,000 (9.9%) | $451,939 (-4.8%) | 0.81 | 260 |
| 2024-07-01 | $339,250 (5.7%) | $444,387 (-5.2%) | 0.78 | 252 |
| 2024-08-01 | $325,000 (6.7%) | $427,157 (-5.1%) | 0.76 | 243 |
| 2024-09-01 | $311,738 (-1.0%) | $411,039 (-5.6%) | 0.73 | 253 |
| 2024-10-01 | $317,809 (4.7%) | $414,794 (0.2%) | 0.75 | 265 |
| 2024-11-01 | $325,000 (8.3%) | $401,126 (-0.1%) | 0.78 | 237 |
| 2024-12-01 | $327,500 (3.3%) | $399,572 (-2.6%) | 0.81 | 214 |
| 2025-01-01 | $330,500 (1.7%) | $406,256 (-4.1%) | 0.83 | 194 |
| 2025-02-01 | $332,750 (1.0%) | $404,526 (-4.4%) | 0.81 | 165 |
| 2025-03-01 | $349,950 (6.1%) | $412,003 (-5.5%) | 0.82 | 161 |
| 2025-04-01 | $353,200 (8.0%) | $423,122 (-3.6%) | 0.82 | 185 |
| 2025-05-01 | $350,000 (-3.3%) | $427,894 (-6.6%) | 0.80 | 193 |
MORGANTOWN's median listing price for 2025-05-01 was $350,000, a difference of
$-12,000
(-3.3%) versus the prior year and
$-3,200 versus the prior month.
MORGANTOWN's median listing price comes in at 80% of the national average.
MORGANTOWN's average listing price for 2025-05-01 was $427,894, a difference of $-30,308 (-6.6%) versus the prior year and $4,772 versus the prior month.
For the 2025-05-01 period, MORGANTOWN had 193 MLS listings, a difference of 8 listings (4%) versus the prior month and -44 listings (-19%) versus the prior year.
MORGANTOWN's median listing price comes in at 80% of the national average.
MORGANTOWN's average listing price for 2025-05-01 was $427,894, a difference of $-30,308 (-6.6%) versus the prior year and $4,772 versus the prior month.
For the 2025-05-01 period, MORGANTOWN had 193 MLS listings, a difference of 8 listings (4%) versus the prior month and -44 listings (-19%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - MORGANTOWN (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 118 days | 1,965 sqft |
| 2018-02-01 | 121 days | 1,958 sqft |
| 2018-03-01 | 121 days | 2,059 sqft |
| 2018-04-01 | 80 days | 2,044 sqft |
| 2018-05-01 | 66 days | 1,999 sqft |
| 2018-06-01 | 67 days | 1,983 sqft |
| 2018-07-01 | 71 days | 1,974 sqft |
| 2018-08-01 | 78 days | 1,976 sqft |
| 2018-09-01 | 87 days | 1,976 sqft |
| 2018-10-01 | 86 days | 2,001 sqft |
| 2018-11-01 | 91 days | 1,945 sqft |
| 2018-12-01 | 103 days | 1,902 sqft |
| 2019-01-01 | 109 days | 1,899 sqft |
| 2019-02-01 | 114 days | 1,897 sqft |
| 2019-03-01 | 95 days | 1,963 sqft |
| 2019-04-01 | 68 days | 2,013 sqft |
| 2019-05-01 | 60 days | 2,049 sqft |
| 2019-06-01 | 71 days | 2,016 sqft |
| 2019-07-01 | 75 days | 2,032 sqft |
| 2019-08-01 | 81 days | 2,040 sqft |
| 2019-09-01 | 84 days | 2,017 sqft |
| 2019-10-01 | 87 days | 1,998 sqft |
| 2019-11-01 | 96 days | 1,985 sqft |
| 2019-12-01 | 111 days | 1,941 sqft |
| 2020-01-01 | 123 days | 2,005 sqft |
| 2020-02-01 | 117 days | 2,076 sqft |
| 2020-03-01 | 76 days | 2,216 sqft |
| 2020-04-01 | 74 days | 2,182 sqft |
| 2020-05-01 | 80 days | 2,211 sqft |
| 2020-06-01 | 84 days | 2,241 sqft |
| 2020-07-01 | 65 days | 2,165 sqft |
| 2020-08-01 | 58 days | 2,152 sqft |
| 2020-09-01 | 65 days | 2,158 sqft |
| 2020-10-01 | 74 days | 2,100 sqft |
| 2020-11-01 | 89 days | 2,075 sqft |
| 2020-12-01 | 87 days | 1,942 sqft |
| 2021-01-01 | 89 days | 2,005 sqft |
| 2021-02-01 | 84 days | 1,975 sqft |
| 2021-03-01 | 75 days | 2,126 sqft |
| 2021-04-01 | 60 days | 2,100 sqft |
| 2021-05-01 | 52 days | 2,205 sqft |
| 2021-06-01 | 52 days | 2,121 sqft |
| 2021-07-01 | 50 days | 1,982 sqft |
| 2021-08-01 | 52 days | 1,945 sqft |
| 2021-09-01 | 57 days | 1,863 sqft |
| 2021-10-01 | 57 days | 1,875 sqft |
| 2021-11-01 | 66 days | 1,875 sqft |
| 2021-12-01 | 73 days | 1,821 sqft |
| 2022-01-01 | 80 days | 1,821 sqft |
| 2022-02-01 | 78 days | 1,856 sqft |
| 2022-03-01 | 50 days | 1,932 sqft |
| 2022-04-01 | 45 days | 1,892 sqft |
| 2022-05-01 | 47 days | 1,921 sqft |
| 2022-06-01 | 46 days | 1,880 sqft |
| 2022-07-01 | 50 days | 1,825 sqft |
| 2022-08-01 | 52 days | 1,783 sqft |
| 2022-09-01 | 53 days | 1,818 sqft |
| 2022-10-01 | 65 days | 1,856 sqft |
| 2022-11-01 | 66 days | 1,874 sqft |
| 2022-12-01 | 78 days | 1,890 sqft |
| 2023-01-01 | 79 days | 1,888 sqft |
| 2023-02-01 | 87 days | 1,885 sqft |
| 2023-03-01 | 77 days | 1,860 sqft |
| 2023-04-01 | 50 days | 1,940 sqft |
| 2023-05-01 | 46 days | 1,919 sqft |
| 2023-06-01 | 50 days | 1,915 sqft |
| 2023-07-01 | 52 days | 1,940 sqft |
| 2023-08-01 | 55 days | 1,948 sqft |
| 2023-09-01 | 54 days | 1,940 sqft |
| 2023-10-01 | 60 days | 1,929 sqft |
| 2023-11-01 | 65 days | 1,940 sqft |
| 2023-12-01 | 73 days | 1,940 sqft |
| 2024-01-01 | 85 days | 1,957 sqft |
| 2024-02-01 | 85 days | 1,940 sqft |
| 2024-03-01 | 58 days | 1,951 sqft |
| 2024-04-01 | 45 days | 1,961 sqft |
| 2024-05-01 | 46 days | 2,134 sqft |
| 2024-06-01 | 49 days | 2,130 sqft |
| 2024-07-01 | 60 days | 2,048 sqft |
| 2024-08-01 | 66 days | 1,988 sqft |
| 2024-09-01 | 63 days | 1,827 sqft |
| 2024-10-01 | 61 days | 1,839 sqft |
| 2024-11-01 | 64 days | 1,848 sqft |
| 2024-12-01 | 77 days | 1,948 sqft |
| 2025-01-01 | 86 days | 2,001 sqft |
| 2025-02-01 | 78 days | 1,919 sqft |
| 2025-03-01 | 52 days | 1,947 sqft |
| 2025-04-01 | 38 days | 2,013 sqft |
| 2025-05-01 | 43 days | 1,987 sqft |
MORGANTOWN's median listing age (time on market) for 2025-05-01 was 43 days.
This
is -6%
shorter
than the same period one year ago.
MORGANTOWN's median square footage for active listings during the 2025-05-01 period was 1,987 sqft. One year prior, the average listing was 2,134 sqft.
MORGANTOWN's median square footage for active listings during the 2025-05-01 period was 1,987 sqft. One year prior, the average listing was 2,134 sqft.
MORGANTOWN, WV Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,266 | $370,030,000 | $292,283 |
| Refi | 188 | $57,760,000 | $307,234 |
| Cash Out Refi | 181 | $27,785,000 | $153,508 |
| Home Improvement | 168 | $15,750,000 | $93,750 |
| Other | 141 | $14,365,000 | $101,879 |
Morgantown's most frequently cited loan purpose was Home Purchase, with 1,266 originations. The 2nd most popular reason was Refi, with 188 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 797 | $235,615,000 | $295,627 |
| 7-8% | 383 | $107,065,000 | $279,543 |
| Over 8% | 362 | $38,810,000 | $107,210 |
| 5-6% | 251 | $69,365,000 | $276,355 |
| 3-4% | 45 | $4,635,000 | $103,000 |
| 4-5% | 16 | $4,760,000 | $297,500 |
| <2.5% | 7 | $255,000 | $36,429 |
| 2.5-3% | 6 | $1,150,000 | $191,667 |
During 2024, Morgantown's most frequently originated rate bucket was 6-7%, with 797 originations.
Loan Sizing (MORGANTOWN, WV MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 690 | $190,640,000 | $276,290 |
| $100k-200k | 574 | $85,600,000 | $149,129 |
| $100,000 or less | 414 | $24,920,000 | $60,193 |
| $400k-600k | 174 | $81,780,000 | $470,000 |
| $600k-1000k | 63 | $45,845,000 | $727,698 |
| $Over $1MM | 29 | $56,905,000 | $1,962,241 |
MORGANTOWN's loan sizing saw the bucket of loans from $200k-400k with 690 originations, totaling $190,640,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 858 | $256,550,000 | $299,009 |
| 60-80% | 405 | $110,135,000 | $271,938 |
| 20-40% | 210 | $30,130,000 | $143,476 |
| Under 20% | 178 | $8,840,000 | $49,663 |
| 40-60% | 173 | $42,735,000 | $247,023 |
| Over 100% | 26 | $9,170,000 | $352,692 |
MORGANTOWN's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 858 originations, totaling $256,550,000 in origination value.