West Virginia USDA Loan Rates, Closing Costs & Stats

West Virginia

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    • USDA loans are zero-downpayment loans targeted towards lower-income households in rural areas. They can be made directly by the US Department of Agriculture or through a participating lender-- and they typically to borrowers with credit scores over 640. They can have subsidized rates, making them very competitive in terms of cost, but they have more stringent standards on who is eligible as well as specific covenants such as only being available in rural areas and limits on home size.

    West Virginia USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in West Virginia averaged 6.41% for the week of 2025-04-04, compared to the national average (all USDA variants) of 6.324% for the same period.

    West Virginia's average USDA mortgage closing costs are $5,342.

    The average rate for the prior week (2025-03-28) was 6.67% and one month ago for the week of 2025-02-28, the average rate was 6.32%.

    The average rate one year ago was 6.68%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.48%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    West Virginia USDA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for USDA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the West Virginia level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    MOVEMENT MORTGAGE, LLC 80 6.79% $6,169
    Integrity Home Mortgage Corp 50 6.31% $9,012
    Alcova Mortgage LLC 46 6.94% $3,442
    HOMESPIRE MORTGAGE CORPORATION 35 6.08% $8,209
    Atlantic Union Bank 32 6.62% $5,069
    PRIMELENDING, A PLAINSCAPITAL COMPANY 29 6.63% $7,045
    UNITED WHOLESALE MORTGAGE, LLC 22 6.21% $7,997
    Truist 20 5.87% $5,853
    Gateway First Bank 19 6.65% $5,570
    UNION HOME MORTGAGE CORP. 17 6.61% $7,729
    Equity Prime Mortgage LLC 15 6.58% $6,838
    LOANDEPOT.COM, LLC 15 6.75% $6,529
    NVR Mortgage Finance, Inc. 12 6.20% $9,323
    C & F Mortgage Corporation 11 6.58% $6,079
    WesBanco 10 6.21% $5,853
    Flagstar Bank, FSB 9 6.54% $6,987
    POLARIS HOME FUNDING CORP. 9 6.54% $6,441
    Sierra Pacific Mortgage Company, Inc. 9 6.57% $8,732
    SUCCESS MORTGAGE PARTNERS, INC. 9 6.89% $6,917
    GUARANTEED RATE, INC. 9 6.83% $6,407
    CROSSCOUNTRY MORTGAGE, LLC 9 6.76% $7,319
    NEWREZ LLC 9 6.54% $5,693
    TIDEWATER MORTGAGE SERVICES, INC. 7 6.63% $6,614
    STOCKTON MORTGAGE CORPORATION 7 6.61% $6,277
    The Huntington National Bank 6 6.42% $7,389
    EMBRACE HOME LOANS, INC. 6 6.11% $6,359
    T2 FINANCIAL LLC 6 6.22% $7,847
    First Reliance Bank 5 6.40% $4,751
    BROKER SOLUTIONS, INC. 5 6.53% $9,810
    DAS Acquisition Company, LLC 4 6.56% $5,087
    U.S. Bank 4 6.50% $5,590
    GUILD MORTGAGE COMPANY 4 6.37% $10,083
    FIRST COLONY MORTGAGE CORPORATION 4 6.41% $5,796
    First Heritage Mortgage, LLC 4 5.84% $10,690
    Paramount Residential Mortgage Group, Inc. 4 6.31% $7,908
    CALCON MUTUAL MORTGAGE LLC 3 6.46% $5,859
    DEVELOPER'S MORTGAGE COMPANY 3 6.25% $2,043
    HOMESIDE FINANCIAL, LLC 3 6.42% $6,144
    Atlantic Coast Mortgage, LLC 3 6.12% $8,665
    Mortgage Research Center, LLC 3 6.25% $4,636
    MORTGAGE SOLUTIONS OF COLORADO, LLC 3 7.75% $5,057
    NFM, INC. 2 6.63% $6,418
    MICHIGAN MUTUAL, INC. 2 5.69% $9,367
    Victorian Finance, LLC 2 6.63% $5,297
    MILLENNIUM FINANCIAL GROUP, INC. 2 5.88% $5,002
    SUN WEST MORTGAGE COMPANY, INC. 2 6.69% $8,678
    Century Mortgage Company DBA Century Lending Company 2 6.06% $6,206
    DHI MORTGAGE COMPANY, LTD. 2 4.99% $7,481
    Nations Lending Corporation 2 6.94% $6,342
    TOWNE MORTGAGE COMPANY 2 6.38% $5,753
    Sandy Spring Bank 2 6.00% $8,766
    AMERICAN FINANCIAL RESOURCES, INC. 2 6.69% $6,411
    Magnolia Bank 1 7.25% $6,459
    ASHLAND Credit Union 1 6.75% $5,362
    Assurance Financial Group, L.L.C. 1 6.75% $6,292
    Bank of England 1 6.25% $5,970
    Barrington Bank & Trust Company, N.A. 1 6.25% $9,303
    CANOPY MORTGAGE, LLC 1 6.13% $14,041
    Capital Bank 1 5.50% $18,943
    Clear Mountain Bank 1 6.88% $6,004
    CMG MORTGAGE, INC. 1 6.00% $8,785
    EAGLE HOME MORTGAGE, LLC 1 5.13% $4,544
    Farmers and Merchants Trust Company of Chambersburg 1 6.13% $5,545
    GoPrime Mortgage, Inc. 1 6.25% $3,125
    GSF Mortgage Corporation 1 6.13% $9,409
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 5.88% $11,434
    INTERCOASTAL MORTGAGE COMPANY 1 6.27% $5,742
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 1 6.13% $6,987
    Meridian Bank Corporation 1 5.99% $6,216
    MID AMERICA MORTGAGE, INC. 1 6.25% $4,000
    Plains Commerce Bank 1 6.25% $12,347
    PLANET HOME LENDING, LLC 1 5.50% $9,150
    PNC Bank 1 6.88% $5,169
    Presidential Bank, FSB 1 6.25% $12,341
    ROYAL UNITED MORTGAGE LLC 1 7.13% $10,548
    Shore United Bank 1 5.75% $11,543
    THE MORTGAGE FIRM, INC. 1 6.25% $6,179
    TOTAL MORTGAGE SERVICES, LLC 1 7.00% $6,611
    United Bank 1 6.13% $6,161
    Waterstone Mortgage Corporation 1 6.75% $5,911

    The top West Virginia USDA lender as defined by loan originations is MOVEMENT MORTGAGE, LLC, with 80 USDA loans originated. Their average total fees are $6,169, which is $2,844 lower than the next largest lender, Integrity Home Mortgage Corp.

    The lowest fee West Virginia USDA lenders (with over 10 loans originated) are Alcova Mortgage LLC ($3,442), Atlantic Union Bank ($5,069), Gateway First Bank ($5,570), WesBanco ($5,853) and Truist ($5,853).

    The lowest rate West Virginia USDA lenders (with over 10 loans originated) are Truist (5.87%), HOMESPIRE MORTGAGE CORPORATION (6.08%), NVR Mortgage Finance, Inc. (6.20%), WesBanco (6.21%) and UNITED WHOLESALE MORTGAGE, LLC (6.21%).