WHEELING Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Wheeling averaged
6.82%
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
6.65% and
one month ago for the week of 2025-05-15, the
average rate was 6.62%.
Wheeling's average rate one year ago was 7.16%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.71%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Wheeling 30 Year Fixed Rate | 2025-06-18 | 6.82% |
| Wheeling 30 Year Fixed Rate Refi | 2025-06-18 | 6.71% |
| Wheeling 15 Year Fixed Rate | 2025-06-18 | 5.86% |
| Wheeling 15 Year Fixed Rate Refi | 2025-06-18 | 5.86% |
| Wheeling 30 Year FHA | 2025-06-18 | 0.16% |
| Wheeling 30 Year FHA Refi | 2025-06-18 | 0% |
| Wheeling 30 Year USDA | 2025-06-18 | 0.33% |
| Wheeling 30 Year USDA Refi | 2025-06-18 | -0.2% |
| Wheeling 30 Year VA | 2025-06-18 | 0.52% |
| Wheeling 30 Year VA Refi | 2025-06-18 | 0.2% |
WHEELING 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 WHEELING, WV-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.).
WHEELING Average Closing Costs & Other Stats
WHEELING, WV-OH's 63 lenders originated 2,062
loans during 2024. The total origination value was $313,120,000, with an average loan value of
$151,853.
WHEELING's average closing costs are $4,647.
The top WHEELING lender as defined by loan originations is WesBanco, with
113 loans originated. Their average total fees are
$4,038, which is $1,011
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee WHEELING lenders (with over 10 loans originated) are
BAYER HERITAGE ($3,933), WesBanco ($4,038), DEVELOPER'S MORTGAGE COMPANY ($4,229), U.S. Bank ($4,573) and The Huntington National Bank ($4,602).
The lowest rate WHEELING lenders (with over 10 loans originated) are
WesBanco (6.42%), Truist (6.51%), DEVELOPER'S MORTGAGE COMPANY (6.53%), BAYER HERITAGE (6.64%) and UNITED WHOLESALE MORTGAGE, LLC (6.75%).
WHEELING, WV-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 |
|---|---|---|---|---|
| WesBanco | $33,860,000 | $38,040,000 | 12.3% | 12.1% |
| Belmont Savings Bank | $29,925,000 | $27,230,000 | -9.0% | 8.7% |
| QUICKEN LOANS, LLC | $17,255,000 | $20,050,000 | 16.2% | 6.4% |
| BAYER HERITAGE | $13,800,000 | $15,545,000 | 12.6% | 5.0% |
| The Huntington National Bank | $12,050,000 | $14,980,000 | 24.3% | 4.8% |
| Truist | $16,165,000 | $13,900,000 | -14.0% | 4.4% |
| Unified Bank | $5,940,000 | $11,555,000 | 94.5% | 3.7% |
| Wayne Savings Community Bank | $11,370,000 | n/a | 3.6% | |
| ORIX REAL ESTATE CAPITAL, LLC | $10,005,000 | n/a | 3.2% | |
| Main Street Bank Corp. | $20,975,000 | $8,915,000 | -57.5% | 2.8% |
| GREYSTONE SERVICING COMPANY LLC | $8,845,000 | n/a | 2.8% | |
| UNION HOME MORTGAGE CORP. | $8,680,000 | $8,550,000 | -1.5% | 2.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $2,790,000 | $7,560,000 | 171.0% | 2.4% |
| MID AMERICA MORTGAGE, INC. | $7,150,000 | $7,435,000 | 4.0% | 2.4% |
| DEVELOPER'S MORTGAGE COMPANY | $4,240,000 | $6,975,000 | 64.5% | 2.2% |
| Mortgage Research Center, LLC | $6,480,000 | $6,600,000 | 1.9% | 2.1% |
| DAS Acquisition Company, LLC | $4,375,000 | $5,165,000 | 18.1% | 1.6% |
| U.S. Bank | $3,470,000 | $5,085,000 | 46.5% | 1.6% |
| Woodsfield Savings Bank | $1,940,000 | $4,685,000 | 141.5% | 1.5% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $4,075,000 | $4,365,000 | 7.1% | 1.4% |
| NAVY FEDERAL CREDIT UNION | $1,640,000 | $3,565,000 | 117.4% | 1.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $4,000,000 | $3,295,000 | -17.6% | 1.1% |
| JPMorgan Chase Bank | $2,615,000 | $2,525,000 | -3.4% | 0.8% |
| Community Bank | $8,755,000 | $2,255,000 | -74.2% | 0.7% |
| Farm Credit Mid-America, ACA | $1,725,000 | $2,165,000 | 25.5% | 0.7% |
| FIRST CHOICE AMERICA COMMUNITY FEDERAL CREDIT UNION | $1,235,000 | $1,980,000 | 60.3% | 0.6% |
| PNC Bank | $3,140,000 | $1,975,000 | -37.1% | 0.6% |
| First Federal Bank of the Midwest | $1,030,000 | $1,855,000 | 80.1% | 0.6% |
| POLARIS HOME FUNDING CORP. | $1,005,000 | $1,745,000 | 73.6% | 0.6% |
| Equity Prime Mortgage LLC | $535,000 | $1,670,000 | 212.1% | 0.5% |
| S1L, Inc. | $75,000 | $1,620,000 | 2,060.0% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,495,000 | $1,590,000 | 6.4% | 0.5% |
| LOANDEPOT.COM, LLC | $920,000 | $1,530,000 | 66.3% | 0.5% |
| Gateway First Bank | $605,000 | $1,505,000 | 148.8% | 0.5% |
| FIRST OHIO HOME FINANCE, INC. | $1,035,000 | $1,500,000 | 44.9% | 0.5% |
| PENNYMAC LOAN SERVICES, LLC | $675,000 | $1,490,000 | 120.7% | 0.5% |
| BROKER SOLUTIONS, INC. | $1,150,000 | $1,430,000 | 24.3% | 0.5% |
| OHIO VALLEY COMMUNITY FEDERAL CREDIT UNION | $2,490,000 | $1,335,000 | -46.4% | 0.4% |
| LIBERTY HOME MORTGAGE CORPORATION | $85,000 | $1,320,000 | 1,452.9% | 0.4% |
| FREEDOM MORTGAGE CORPORATION | $980,000 | $1,300,000 | 32.7% | 0.4% |
| The Farmers National Bank of Canfield | $135,000 | $1,250,000 | 825.9% | 0.4% |
| HOMESIDE FINANCIAL, LLC | $190,000 | $1,095,000 | 476.3% | 0.3% |
| Flagstar Bank, FSB | $190,000 | $1,040,000 | 447.4% | 0.3% |
| The Park National Bank | $235,000 | $875,000 | 272.3% | 0.3% |
| Carrington Mortgage Services, LLC | $945,000 | $860,000 | -9.0% | 0.3% |
| The Citizens National Bank | $2,240,000 | $850,000 | -62.1% | 0.3% |
| GUARANTEED RATE, INC. | $655,000 | $845,000 | 29.0% | 0.3% |
| NEWREZ LLC | $440,000 | $810,000 | 84.1% | 0.3% |
| First National Bank of Pennsylvania | $890,000 | $780,000 | -12.4% | 0.2% |
| Bank of America | $570,000 | $775,000 | 36.0% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $765,000 | n/a | 0.2% | |
| Integrity Home Mortgage Corp | $755,000 | n/a | 0.2% | |
| Wells Fargo Bank | $365,000 | $755,000 | 106.8% | 0.2% |
| The Federal Savings Bank | $735,000 | n/a | 0.2% | |
| Fifth Third Bank | $100,000 | $705,000 | 605.0% | 0.2% |
| AMERICAN FINANCING CORPORATION | $240,000 | $695,000 | 189.6% | 0.2% |
| USAA Federal Savings Bank | $1,855,000 | $670,000 | -63.9% | 0.2% |
| Discover Bank | $830,000 | $605,000 | -27.1% | 0.2% |
| 21ST MORTGAGE CORPORATION | $195,000 | $595,000 | 205.1% | 0.2% |
| United Bank | $1,300,000 | $585,000 | -55.0% | 0.2% |
| ROYAL UNITED MORTGAGE LLC | $715,000 | $545,000 | -23.8% | 0.2% |
| ZILLOW HOME LOANS, LLC | $360,000 | $540,000 | 50.0% | 0.2% |
| LENDINGHOME FUNDING CORPORATION | $365,000 | $510,000 | 39.7% | 0.2% |
| CMG MORTGAGE, INC. | $490,000 | n/a | 0.2% | |
| HANCOCK COUNTY SAVINGS BANK, FSB, INC. | $390,000 | $490,000 | 25.6% | 0.2% |
| InFirst Bank | $490,000 | n/a | 0.2% | |
| ALLIANT CREDIT UNION | $175,000 | $430,000 | 145.7% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $1,055,000 | $425,000 | -59.7% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $215,000 | $420,000 | 95.3% | 0.1% |
| BAYSHORE MORTGAGE FUNDING, LLC | $395,000 | n/a | 0.1% | |
| Nations Lending Corporation | $790,000 | $395,000 | -50.0% | 0.1% |
| Ixonia Bank | $530,000 | $325,000 | -38.7% | 0.1% |
| City Bank | $315,000 | n/a | 0.1% | |
| NBKC BANK | $295,000 | n/a | 0.1% | |
| First National Bank of Michigan | $285,000 | n/a | 0.1% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $135,000 | $285,000 | 111.1% | 0.1% |
| Presidential Bank, FSB | $285,000 | n/a | 0.1% | |
| RUOFF MORTGAGE COMPANY, INC. | $135,000 | $285,000 | 111.1% | 0.1% |
| Dollar Bank, Federal Savings Bank | $95,000 | $280,000 | 194.7% | 0.1% |
| ENVOY MORTGAGE, LTD | $275,000 | n/a | 0.1% | |
| DEEPHAVEN MORTGAGE LLC | $265,000 | n/a | 0.1% | |
| NFM, INC. | $315,000 | $260,000 | -17.5% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $235,000 | n/a | 0.1% | |
| AmRes Corporation | $225,000 | n/a | 0.1% | |
| Figure Lending LLC | $75,000 | $225,000 | 200.0% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $285,000 | $225,000 | -21.1% | 0.1% |
| Peoples Bank | $590,000 | $225,000 | -61.9% | 0.1% |
| Plains Commerce Bank | $225,000 | n/a | 0.1% | |
| STOCKTON MORTGAGE CORPORATION | $225,000 | n/a | 0.1% | |
| Victorian Finance, LLC | $220,000 | n/a | 0.1% | |
| Paramount Residential Mortgage Group, Inc. | $215,000 | n/a | 0.1% | |
| Stifel Bank and Trust | $215,000 | n/a | 0.1% | |
| Union Savings Bank | $215,000 | n/a | 0.1% | |
| Republic State Mortgage Co. | $155,000 | $205,000 | 32.3% | 0.1% |
| Morgan Stanley Private Bank | $200,000 | n/a | 0.1% | |
| TOP FLITE FINANCIAL, INC. | $200,000 | n/a | 0.1% | |
| Coastal Community Bank | $165,000 | $180,000 | 9.1% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $180,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $165,000 | n/a | 0.1% | |
| Third Federal Savings and Loan Association of Cleveland | $310,000 | $165,000 | -46.8% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $500,000 | $155,000 | -69.0% | 0.0% |
| First Exchange Bank | $135,000 | n/a | 0.0% | |
| NEW DAY FINANCIAL, LLC | $395,000 | $135,000 | -65.8% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $130,000 | n/a | 0.0% | |
| KEMBA FINANCIAL | $220,000 | $125,000 | -43.2% | 0.0% |
| LIMA ONE CAPITAL, LLC | $300,000 | $115,000 | -61.7% | 0.0% |
| MICHIGAN MUTUAL, INC. | $115,000 | n/a | 0.0% | |
| ATOMIC CREDIT UNION, INC. | $105,000 | n/a | 0.0% | |
| CLEARPATH LENDING | $105,000 | n/a | 0.0% | |
| First United Corporation | $105,000 | n/a | 0.0% | |
| NEXERA HOLDING LLC | $105,000 | n/a | 0.0% | |
| NORTHERN MORTGAGE SERVICES, LLC | $105,000 | n/a | 0.0% | |
| OCMBC, INC. | $105,000 | n/a | 0.0% | |
| The Grant County Bank | $105,000 | n/a | 0.0% | |
| Ally Bank | $820,000 | $95,000 | -88.4% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $175,000 | $95,000 | -45.7% | 0.0% |
| EMBRACE HOME LOANS, INC. | $95,000 | n/a | 0.0% | |
| LOANPAL, LLC | $95,000 | n/a | 0.0% | |
| Clear Mountain Bank | $315,000 | $85,000 | -73.0% | 0.0% |
| Hometown Equity Mortgage, LLC | $85,000 | n/a | 0.0% | |
| SUCCESS MORTGAGE PARTNERS, INC. | $85,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $180,000 | $85,000 | -52.8% | 0.0% |
| GUILD MORTGAGE COMPANY | $195,000 | $75,000 | -61.5% | 0.0% |
| Citizens Bank | $280,000 | $55,000 | -80.4% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $55,000 | n/a | 0.0% | |
| Northwest Bank | $55,000 | n/a | 0.0% | |
| Connexus Credit Union | $25,000 | $45,000 | 80.0% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $185,000 | $45,000 | -75.7% | 0.0% |
| WINGS FINANCIAL | $45,000 | n/a | 0.0% | |
| PROPONENT Federal Credit Union | $35,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $25,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $25,000 | n/a | 0.0% |
WHEELING's top lender by overall market share is WesBanco, with 12.1% market share. In second place, with 8.7%, is Belmont Savings Bank, having originated $27,230,000 in loans. In third place, with 6.4%, is QUICKEN LOANS, LLC, having originated $20,050,000 in loans. In fourth place, with 5.0%, is BAYER HERITAGE, having originated $15,545,000 in loans. In fifth place, with 4.8%, is The Huntington National Bank, having originated $14,980,000 in loans.
WHEELING, WV-OH Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,083 | $195,605,000 | $180,614 |
| Cash Out Refi | 304 | $37,770,000 | $124,243 |
| Other | 241 | $20,135,000 | $83,548 |
| Refi | 225 | $44,435,000 | $197,489 |
| Home Improvement | 209 | $15,175,000 | $72,608 |
Wheeling's most frequently cited loan purpose was Home Purchase, with 1,083 originations. The 2nd most popular reason was Cash Out Refi, with 304 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 649 | $111,405,000 | $171,656 |
| 7-8% | 315 | $45,185,000 | $143,444 |
| Over 8% | 286 | $22,560,000 | $78,881 |
| 5-6% | 261 | $45,845,000 | $175,651 |
| 3-4% | 87 | $6,725,000 | $77,299 |
| 4-5% | 10 | $11,280,000 | $1,128,000 |
| 2.5-3% | 2 | $100,000 | $50,000 |
During 2024, Wheeling's most frequently originated rate bucket was 6-7%, with 649 originations.
Loan Sizing (WHEELING, WV-OH MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 893 | $52,735,000 | $59,054 |
| $100k-200k | 740 | $104,420,000 | $141,108 |
| $200k-400k | 359 | $96,115,000 | $267,730 |
| $400k-600k | 45 | $21,275,000 | $472,778 |
| $600k-1000k | 20 | $13,900,000 | $695,000 |
| $Over $1MM | 5 | $24,675,000 | $4,935,000 |
WHEELING's loan sizing saw the bucket of loans from $100,000 or less with 893 originations, totaling $52,735,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 719 | $127,695,000 | $177,601 |
| 60-80% | 330 | $49,880,000 | $151,152 |
| 20-40% | 215 | $15,425,000 | $71,744 |
| 40-60% | 149 | $25,455,000 | $170,839 |
| Under 20% | 146 | $5,630,000 | $38,562 |
| Over 100% | 15 | $3,885,000 | $259,000 |
WHEELING's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 719 originations, totaling $127,695,000 in origination value.