West Virginia Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in West Virginia averaged
6.44%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
6.55% and
one month ago for the week of 2025-02-27, the
average rate was 6.76%.
West Virginia's average rate one year ago was 6.79%.
For refis of the same type during the week of 2025-04-03, the average rate
was 7.73%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| West Virginia 30 Year Fixed Rate | 2025-04-03 | 6.44% |
| West Virginia 30 Year Fixed Rate Refi | 2025-04-03 | 7.73% |
| West Virginia 15 Year Fixed Rate | 2025-04-03 | 6.51% |
| West Virginia 15 Year Fixed Rate Refi | 2025-04-03 | 6.24% |
| West Virginia 30 Year FHA | 2025-04-03 | 6.39% |
| West Virginia 30 Year FHA Refi | 2025-04-03 | 5.89% |
| West Virginia 30 Year USDA | 2025-04-03 | 6.44% |
| West Virginia 30 Year USDA Refi | 2025-04-03 | 6.52% |
| West Virginia 30 Year VA | 2025-04-03 | 6.01% |
| West Virginia 30 Year VA Refi | 2025-04-03 | 5.45% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within West Virginia.
West Virginia 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 West Virginia 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.).
West Virginia Average Closing Costs & Other Stats
West Virginia's 286 lenders originated 27,168
loans during 2024. The total origination value was $5,284,260,000, with an average loan value of
$194,503.
West Virginia's average closing costs are $5,069.
The top West Virginia lender as defined by loan originations is QUICKEN LOANS, LLC, with
858 loans originated. Their average total fees are
$6,142, which is $4,397
higher than the next largest lender,
City National Bank of West Virginia.
The lowest fee West Virginia lenders (with over 10 loans originated) are
Discover Bank ($0), City National Bank of West Virginia ($1,745), HANCOCK COUNTY SAVINGS BANK, FSB, INC. ($2,330), Huntington Federal Savings Bank ($2,605) and First Federal Savings and Loan Association of Greene Co ($2,771).
The lowest rate West Virginia lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.80%), FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION (6.04%), FAIRMONT (6.06%), The Ohio Valley Bank Company (6.27%) and First Reliance Bank (6.31%).
West Virginia 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 |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $280,305,000 | $341,235,000 | 21.7% | 6.5% |
| City National Bank of West Virginia | $229,760,000 | $232,240,000 | 1.1% | 4.4% |
| The Huntington National Bank | $169,695,000 | $187,395,000 | 10.4% | 3.5% |
| WesBanco | $148,930,000 | $181,295,000 | 21.7% | 3.4% |
| Mortgage Research Center, LLC | $125,195,000 | $165,475,000 | 32.2% | 3.1% |
| LOANDEPOT.COM, LLC | $125,030,000 | $150,980,000 | 20.8% | 2.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $85,410,000 | $138,770,000 | 62.5% | 2.6% |
| MOVEMENT MORTGAGE, LLC | $126,460,000 | $133,895,000 | 5.9% | 2.5% |
| Integrity Home Mortgage Corp | $112,890,000 | $130,660,000 | 15.7% | 2.5% |
| Truist | $129,415,000 | $119,600,000 | -7.6% | 2.3% |
| NAVY FEDERAL CREDIT UNION | $67,280,000 | $105,265,000 | 56.5% | 2.0% |
| HOMESPIRE MORTGAGE CORPORATION | $45,030,000 | $88,165,000 | 95.8% | 1.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $116,805,000 | $85,665,000 | -26.7% | 1.6% |
| NVR Mortgage Finance, Inc. | $100,965,000 | $85,340,000 | -15.5% | 1.6% |
| United Bank | $66,750,000 | $84,380,000 | 26.4% | 1.6% |
| EAGLE HOME MORTGAGE, LLC | $40,865,000 | $83,570,000 | 104.5% | 1.6% |
| Burke & Herbert Bank & Trust Company | $905,000 | $72,155,000 | 7,872.9% | 1.4% |
| Clear Mountain Bank | $64,475,000 | $71,125,000 | 10.3% | 1.3% |
| Atlantic Coast Mortgage, LLC | $34,315,000 | $66,755,000 | 94.5% | 1.3% |
| Peoples Bank | $49,025,000 | $66,720,000 | 36.1% | 1.3% |
| INTERCOASTAL MORTGAGE COMPANY | $53,095,000 | $61,610,000 | 16.0% | 1.2% |
| CROSSCOUNTRY MORTGAGE, LLC | $28,705,000 | $57,605,000 | 100.7% | 1.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $44,330,000 | $56,180,000 | 26.7% | 1.1% |
| First Heritage Mortgage, LLC | $27,790,000 | $55,935,000 | 101.3% | 1.1% |
| PENNYMAC LOAN SERVICES, LLC | $24,210,000 | $55,005,000 | 127.2% | 1.0% |
| Gateway First Bank | $38,640,000 | $53,945,000 | 39.6% | 1.0% |
| FREEDOM MORTGAGE CORPORATION | $19,790,000 | $52,790,000 | 166.8% | 1.0% |
| DHI MORTGAGE COMPANY, LTD. | $32,215,000 | $46,415,000 | 44.1% | 0.9% |
| JPMorgan Chase Bank | $47,155,000 | $43,155,000 | -8.5% | 0.8% |
| GUARANTEED RATE, INC. | $17,215,000 | $42,410,000 | 146.4% | 0.8% |
| The Poca Valley Bank, Inc. | $53,120,000 | $39,905,000 | -24.9% | 0.8% |
| Alcova Mortgage LLC | $32,590,000 | $39,250,000 | 20.4% | 0.7% |
| Victorian Finance, LLC | $41,280,000 | $35,610,000 | -13.7% | 0.7% |
| PNC Bank | $38,900,000 | $35,420,000 | -8.9% | 0.7% |
| Jefferson Security Bank | $40,370,000 | $34,010,000 | -15.8% | 0.6% |
| USAA Federal Savings Bank | $27,865,000 | $32,445,000 | 16.4% | 0.6% |
| The Ohio Valley Bank Company | $25,940,000 | $32,355,000 | 24.7% | 0.6% |
| First National Bank of Pennsylvania | $32,560,000 | $32,190,000 | -1.1% | 0.6% |
| BERKADIA COMMERCIAL MORTGAGE LLC | $32,130,000 | n/a | 0.6% | |
| NEWREZ LLC | $15,555,000 | $31,685,000 | 103.7% | 0.6% |
| Putnam County Bank | $31,685,000 | $31,240,000 | -1.4% | 0.6% |
| CNB Bank Inc. | $35,505,000 | $30,230,000 | -14.9% | 0.6% |
| Sierra Pacific Mortgage Company, Inc. | $44,920,000 | $29,160,000 | -35.1% | 0.6% |
| BROKER SOLUTIONS, INC. | $25,350,000 | $29,065,000 | 14.7% | 0.6% |
| Atlantic Union Bank | $23,555,000 | $28,945,000 | 22.9% | 0.5% |
| UNION HOME MORTGAGE CORP. | $22,795,000 | $28,610,000 | 25.5% | 0.5% |
| Bank of Charles Town | $19,975,000 | $28,345,000 | 41.9% | 0.5% |
| U.S. Bank | $26,370,000 | $26,815,000 | 1.7% | 0.5% |
| BERKELEY POINT CAPITAL LLC | $14,435,000 | $25,805,000 | 78.8% | 0.5% |
| HANCOCK COUNTY SAVINGS BANK, FSB, INC. | $22,070,000 | $24,915,000 | 12.9% | 0.5% |
| Fifth Third Bank | $17,760,000 | $24,485,000 | 37.9% | 0.5% |
| Community Bank of Parkersburg | $15,515,000 | $21,780,000 | 40.4% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $20,975,000 | $21,510,000 | 2.6% | 0.4% |
| BAYER HERITAGE | $18,750,000 | $21,175,000 | 12.9% | 0.4% |
| Huntington Federal Savings Bank | $32,775,000 | $21,165,000 | -35.4% | 0.4% |
| Pendleton Community Bank, Inc. | $20,600,000 | $21,020,000 | 2.0% | 0.4% |
| WALKER & DUNLOP, LLC | $12,755,000 | $20,990,000 | 64.6% | 0.4% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | $9,185,000 | $20,615,000 | 124.4% | 0.4% |
| AMERISAVE MORTGAGE CORPORATION | $23,640,000 | $20,205,000 | -14.5% | 0.4% |
| 21ST MORTGAGE CORPORATION | $10,985,000 | $19,460,000 | 77.2% | 0.4% |
| Logan Bank & Trust Company | $17,855,000 | $19,100,000 | 7.0% | 0.4% |
| Wells Fargo Bank | $22,355,000 | $19,080,000 | -14.6% | 0.4% |
| First Exchange Bank | $43,605,000 | $18,995,000 | -56.4% | 0.4% |
| Summit Community Bank, Inc. | $80,385,000 | $18,670,000 | -76.8% | 0.4% |
| FAIRMONT | $19,810,000 | $18,270,000 | -7.8% | 0.3% |
| VILLAGE CAPITAL MORTGAGE | $6,660,000 | $16,670,000 | 150.3% | 0.3% |
| GUILD MORTGAGE COMPANY | $8,515,000 | $16,625,000 | 95.2% | 0.3% |
| EMBRACE HOME LOANS, INC. | $11,710,000 | $16,150,000 | 37.9% | 0.3% |
| Farmers and Merchants Trust Company of Chambersburg | $9,800,000 | $15,920,000 | 62.4% | 0.3% |
| Flagstar Bank, FSB | $12,135,000 | $15,710,000 | 29.5% | 0.3% |
| Prosperity Home Mortgage, LLC | $19,360,000 | $15,435,000 | -20.3% | 0.3% |
| First United Corporation | $23,295,000 | $15,240,000 | -34.6% | 0.3% |
| The Grant County Bank | $17,345,000 | $15,190,000 | -12.4% | 0.3% |
| First Federal Savings and Loan Association of Greene Co | $17,050,000 | $14,935,000 | -12.4% | 0.3% |
| STOCKTON MORTGAGE CORPORATION | $1,965,000 | $14,310,000 | 628.2% | 0.3% |
| SUCCESS MORTGAGE PARTNERS, INC. | $8,555,000 | $14,100,000 | 64.8% | 0.3% |
| First Community Bank | $26,745,000 | $13,820,000 | -48.3% | 0.3% |
| HOMESIDE FINANCIAL, LLC | $2,950,000 | $13,735,000 | 365.6% | 0.3% |
| Pioneer Community Bank | $13,630,000 | n/a | 0.3% | |
| GSF Mortgage Corporation | $12,060,000 | $13,575,000 | 12.6% | 0.3% |
| Capon Valley Bank | $9,580,000 | $13,510,000 | 41.0% | 0.3% |
| Bank of America | $12,740,000 | $12,810,000 | 0.5% | 0.2% |
| COREVEST AMERICAN FINANCE LENDER LLC | $12,505,000 | n/a | 0.2% | |
| Carrington Mortgage Services, LLC | $10,435,000 | $12,475,000 | 19.5% | 0.2% |
| Community Trust Bank, Inc. | $8,470,000 | $12,455,000 | 47.0% | 0.2% |
| Bremer Bank | $12,025,000 | n/a | 0.2% | |
| ANCHOR LOANS, LP | $6,770,000 | $11,960,000 | 76.7% | 0.2% |
| Belmont Savings Bank | $14,125,000 | $11,305,000 | -20.0% | 0.2% |
| NFM, INC. | $9,250,000 | $10,880,000 | 17.6% | 0.2% |
| C & F Mortgage Corporation | $10,480,000 | $10,770,000 | 2.8% | 0.2% |
| PLANET HOME LENDING, LLC | $8,480,000 | $10,630,000 | 25.4% | 0.2% |
| Discover Bank | $8,945,000 | $10,620,000 | 18.7% | 0.2% |
| NBKC BANK | $5,445,000 | $10,615,000 | 94.9% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $5,130,000 | $10,380,000 | 102.3% | 0.2% |
| CMG MORTGAGE, INC. | $5,315,000 | $10,215,000 | 92.2% | 0.2% |
| FIRST HOME MORTGAGE CORPORATION | $12,860,000 | $10,200,000 | -20.7% | 0.2% |
| ORIX REAL ESTATE CAPITAL, LLC | $2,075,000 | $10,005,000 | 382.2% | 0.2% |
| T2 FINANCIAL LLC | $15,330,000 | $9,940,000 | -35.2% | 0.2% |
| Clay County Bank, Inc. | $7,330,000 | $9,825,000 | 34.0% | 0.2% |
| Wayne Savings Community Bank | $9,755,000 | n/a | 0.2% | |
| PIONEER WEST VIRGINIA | $5,330,000 | $9,605,000 | 80.2% | 0.2% |
| Equity Prime Mortgage LLC | $4,710,000 | $9,520,000 | 102.1% | 0.2% |
| POLARIS HOME FUNDING CORP. | $10,135,000 | $9,425,000 | -7.0% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $5,300,000 | $9,140,000 | 72.5% | 0.2% |
| Waterstone Mortgage Corporation | $6,315,000 | $9,090,000 | 43.9% | 0.2% |
| GREYSTONE SERVICING COMPANY LLC | $8,845,000 | n/a | 0.2% | |
| Fayette County National Bank | $7,540,000 | $8,795,000 | 16.6% | 0.2% |
| ROYAL UNITED MORTGAGE LLC | $8,055,000 | $8,710,000 | 8.1% | 0.2% |
| TIDEWATER MORTGAGE SERVICES, INC. | $12,140,000 | $8,680,000 | -28.5% | 0.2% |
| Calhoun County Bank, Inc. | $9,455,000 | $8,555,000 | -9.5% | 0.2% |
| MILLENNIUM FINANCIAL GROUP, INC. | $4,275,000 | $8,510,000 | 99.1% | 0.2% |
| MICHIGAN MUTUAL, INC. | $6,415,000 | $8,475,000 | 32.1% | 0.2% |
| ZILLOW HOME LOANS, LLC | $6,575,000 | $8,390,000 | 27.6% | 0.2% |
| The Federal Savings Bank | $8,635,000 | $8,255,000 | -4.4% | 0.2% |
| Presidential Bank, FSB | $5,965,000 | $8,200,000 | 37.5% | 0.2% |
| Barrington Bank & Trust Company, N.A. | $5,390,000 | $7,955,000 | 47.6% | 0.2% |
| ENVOY MORTGAGE, LTD | $1,435,000 | $7,600,000 | 429.6% | 0.1% |
| M&T Bank | $7,275,000 | $7,590,000 | 4.3% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $12,055,000 | $7,530,000 | -37.5% | 0.1% |
| WEST VIRGINIA CENTRAL FEDERAL CREDIT UNION | $5,670,000 | $7,505,000 | 32.4% | 0.1% |
| Williamstown Bank, Inc | $8,525,000 | $7,285,000 | -14.5% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $415,000 | $7,215,000 | 1,638.6% | 0.1% |
| EagleBank | $7,205,000 | n/a | 0.1% | |
| Paramount Residential Mortgage Group, Inc. | $8,025,000 | $7,180,000 | -10.5% | 0.1% |
| Bank of Romney | $8,105,000 | $7,170,000 | -11.5% | 0.1% |
| FNB Bank, Inc. | $15,985,000 | $7,110,000 | -55.5% | 0.1% |
| FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION | $10,710,000 | $6,940,000 | -35.2% | 0.1% |
| Nations Lending Corporation | $2,990,000 | $6,645,000 | 122.2% | 0.1% |
| Plains Commerce Bank | $3,955,000 | $6,530,000 | 65.1% | 0.1% |
| CALCON MUTUAL MORTGAGE LLC | $6,500,000 | n/a | 0.1% | |
| Apple Federal Credit Union | $4,395,000 | $6,290,000 | 43.1% | 0.1% |
| Towne Bank | $5,840,000 | $6,190,000 | 6.0% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $6,035,000 | $6,010,000 | -0.4% | 0.1% |
| DIRECT MORTGAGE LOANS, LLC | $1,530,000 | $5,980,000 | 290.8% | 0.1% |
| City Lending Inc. | $5,955,000 | n/a | 0.1% | |
| EVERETT FINANCIAL, INC. | $780,000 | $5,955,000 | 663.5% | 0.1% |
| Main Street Bank Corp. | $20,710,000 | $5,905,000 | -71.5% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $3,840,000 | $5,865,000 | 52.7% | 0.1% |
| The Loan Store, Inc. | $5,550,000 | n/a | 0.1% | |
| Unified Bank | $1,400,000 | $5,540,000 | 295.7% | 0.1% |
| MY MORTGAGE, INC. | $5,410,000 | n/a | 0.1% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $12,020,000 | $5,345,000 | -55.5% | 0.1% |
| SOUTHWEST STAGE FUNDING, LLC | $2,890,000 | $5,325,000 | 84.3% | 0.1% |
| DAS Acquisition Company, LLC | $17,750,000 | $5,185,000 | -70.8% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,425,000 | $5,110,000 | 258.6% | 0.1% |
| Shore United Bank | $2,010,000 | $5,095,000 | 153.5% | 0.1% |
| Whitesville State Bank | $5,500,000 | $5,065,000 | -7.9% | 0.1% |
| The Farmers Bank & Savings Company | $4,325,000 | $5,050,000 | 16.8% | 0.1% |
| CHESSIE | $3,305,000 | $5,015,000 | 51.7% | 0.1% |
| Citizens Bank | $4,640,000 | $4,925,000 | 6.1% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $1,705,000 | $4,915,000 | 188.3% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $1,000,000 | $4,880,000 | 388.0% | 0.1% |
| BETTER MORTGAGE CORPORATION | $4,085,000 | $4,845,000 | 18.6% | 0.1% |
| First Federal Bank | $1,080,000 | $4,760,000 | 340.7% | 0.1% |
| New Peoples Bank, Inc. | $4,105,000 | $4,690,000 | 14.3% | 0.1% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | $4,280,000 | $4,650,000 | 8.6% | 0.1% |
| THE STATE CREDIT UNION | $2,935,000 | $4,590,000 | 56.4% | 0.1% |
| United Nations Federal Credit Union | $1,190,000 | $4,515,000 | 279.4% | 0.1% |
| SIRVA MORTGAGE, INC. | $4,510,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL NETWORK, INC. | $3,480,000 | $4,455,000 | 28.0% | 0.1% |
| LegacyBank | $375,000 | $4,425,000 | 1,080.0% | 0.1% |
| AmeriHome Mortgage Company, LLC | $895,000 | $4,395,000 | 391.1% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $3,220,000 | $4,300,000 | 33.5% | 0.1% |
| Farm Credit of the Virginias, ACA | $3,625,000 | $4,285,000 | 18.2% | 0.1% |
| Charles Schwab Bank, SSB | $2,305,000 | $4,030,000 | 74.8% | 0.1% |
| First-Citizens Bank & Trust Company | $5,205,000 | $3,965,000 | -23.8% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $3,395,000 | $3,895,000 | 14.7% | 0.1% |
| Magnolia Bank | $815,000 | $3,885,000 | 376.7% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $2,040,000 | $3,880,000 | 90.2% | 0.1% |
| CAMC Federal Credit Union | $2,135,000 | $3,875,000 | 81.5% | 0.1% |
| Northpointe Bank | $2,895,000 | $3,850,000 | 33.0% | 0.1% |
| JUSTICE Federal Credit Union | $3,395,000 | $3,835,000 | 13.0% | 0.1% |
| Ameris Bank | $2,385,000 | $3,805,000 | 59.5% | 0.1% |
| RCN Capital, LLC | $7,820,000 | $3,780,000 | -51.7% | 0.1% |
| Arbor Realty Trust, Inc. | $1,935,000 | $3,700,000 | 91.2% | 0.1% |
| Community Bank | $9,180,000 | $3,690,000 | -59.8% | 0.1% |
| Northwest Federal Credit Union | $3,880,000 | $3,660,000 | -5.7% | 0.1% |
| Sandy Spring Bank | $3,405,000 | $3,660,000 | 7.5% | 0.1% |
| DEVELOPER'S MORTGAGE COMPANY | $2,790,000 | $3,600,000 | 29.0% | 0.1% |
| ACNB Bank | $405,000 | $3,445,000 | 750.6% | 0.1% |
| Vellum Mortgage, Inc. | $1,775,000 | $3,390,000 | 91.0% | 0.1% |
| Bank of Clarke County | $2,870,000 | $3,305,000 | 15.2% | 0.1% |
| WEST VIRGINIA FEDERAL CREDIT UNION | $4,605,000 | $3,270,000 | -29.0% | 0.1% |
| First Federal Bank of the Midwest | $32,500,000 | $3,265,000 | -90.0% | 0.1% |
| PHH Mortgage Corporation | $735,000 | $3,245,000 | 341.5% | 0.1% |
| MCNB Bank and Trust Co. | $9,045,000 | $3,240,000 | -64.2% | 0.1% |
| Ally Bank | $2,595,000 | $3,205,000 | 23.5% | 0.1% |
| AMERICAN FINANCING CORPORATION | $3,855,000 | $3,175,000 | -17.6% | 0.1% |
| Pinnacle Bank | $525,000 | $3,120,000 | 494.3% | 0.1% |
| FIRST CHOICE AMERICA COMMUNITY FEDERAL CREDIT UNION | $6,615,000 | $3,110,000 | -53.0% | 0.1% |
| Farmers Bank & Trust | $75,000 | $3,055,000 | 3,973.3% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $1,970,000 | $2,985,000 | 51.5% | 0.1% |
| Brentwood Bank | $2,955,000 | n/a | 0.1% | |
| First Reliance Bank | $1,535,000 | $2,945,000 | 91.9% | 0.1% |
| CARDINAL FINANCIAL | $4,255,000 | $2,900,000 | -31.8% | 0.1% |
| 1ST SIGNATURE LENDING, LLC | $925,000 | $2,895,000 | 213.0% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $510,000 | $2,895,000 | 467.6% | 0.1% |
| FIRST COLONY MORTGAGE CORPORATION | $135,000 | $2,845,000 | 2,007.4% | 0.1% |
| The First National Bank of Peterstown | $2,110,000 | $2,830,000 | 34.1% | 0.1% |
| JAMS-01, INC. | $1,530,000 | $2,805,000 | 83.3% | 0.1% |
| PATRIOT | $2,250,000 | $2,785,000 | 23.8% | 0.1% |
| TOWNE MORTGAGE COMPANY | $845,000 | $2,735,000 | 223.7% | 0.1% |
| AMERICAN HERITAGE LENDING, INC. | $1,235,000 | $2,705,000 | 119.0% | 0.1% |
| WEPCO Federal Credit Union | $2,155,000 | $2,685,000 | 24.6% | 0.1% |
| BMO Harris Bank | $1,380,000 | $2,635,000 | 90.9% | 0.0% |
| First Guaranty Bank | $7,660,000 | $2,595,000 | -66.1% | 0.0% |
| FIRST NEIGHBORHOOD BANK INC | $8,240,000 | $2,535,000 | -69.2% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $3,595,000 | $2,495,000 | -30.6% | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $3,980,000 | $2,415,000 | -39.3% | 0.0% |
| S&T Bank | $2,175,000 | $2,370,000 | 9.0% | 0.0% |
| Citizens Bank | $4,640,000 | $2,350,000 | -49.4% | 0.0% |
| Cornerstone First Mortgage, Inc | $2,335,000 | n/a | 0.0% | |
| DESCO | $755,000 | $2,320,000 | 207.3% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $3,870,000 | $2,285,000 | -41.0% | 0.0% |
| Armed Forces Bank | $560,000 | $2,225,000 | 297.3% | 0.0% |
| F & M BANK CORP. | $1,190,000 | $2,190,000 | 84.0% | 0.0% |
| CONSTRUCTIVE LOANS, LLC | $2,180,000 | n/a | 0.0% | |
| LENDINGHOME FUNDING CORPORATION | $940,000 | $2,165,000 | 130.3% | 0.0% |
| SOMERSET TRUST COMPANY | $1,570,000 | $2,145,000 | 36.6% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $1,230,000 | $2,120,000 | 72.4% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $670,000 | $2,070,000 | 209.0% | 0.0% |
| TOWER | $1,340,000 | $2,070,000 | 54.5% | 0.0% |
| ALLIANT CREDIT UNION | $460,000 | $2,020,000 | 339.1% | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | $885,000 | $2,005,000 | 126.6% | 0.0% |
| The Freedom Bank of Virginia | $275,000 | $1,950,000 | 609.1% | 0.0% |
| Capital Bank | $975,000 | $1,940,000 | 99.0% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $1,580,000 | $1,935,000 | 22.5% | 0.0% |
| MYCUMORTGAGE, LLC | $1,115,000 | $1,930,000 | 73.1% | 0.0% |
| Ixonia Bank | $830,000 | $1,920,000 | 131.3% | 0.0% |
| Meridian Bank Corporation | $2,520,000 | $1,865,000 | -26.0% | 0.0% |
| Fulton Bank | $2,160,000 | $1,820,000 | -15.7% | 0.0% |
| PREMIA MORTGAGE, LLC | $1,625,000 | $1,810,000 | 11.4% | 0.0% |
| EASTMAN | $925,000 | $1,760,000 | 90.3% | 0.0% |
| Morgan Stanley Private Bank | $2,125,000 | $1,760,000 | -17.2% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $175,000 | $1,755,000 | 902.9% | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $2,220,000 | $1,740,000 | -21.6% | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | $300,000 | $1,710,000 | 470.0% | 0.0% |
| SouthEast Bank | $1,685,000 | n/a | 0.0% | |
| FIDELITY DIRECT MORTGAGE, LLC | $2,985,000 | $1,650,000 | -44.7% | 0.0% |
| Skyline National Bank | $45,000 | $1,615,000 | 3,488.9% | 0.0% |
| Members Choice WV Federal Credit Union | $1,945,000 | $1,605,000 | -17.5% | 0.0% |
| The Central Trust Bank | $1,670,000 | $1,605,000 | -3.9% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $1,545,000 | n/a | 0.0% | |
| Stifel Bank and Trust | $420,000 | $1,485,000 | 253.6% | 0.0% |
| THE MORTGAGE LINK, INC. | $995,000 | $1,445,000 | 45.2% | 0.0% |
| UNITED MORTGAGE CORP | $1,445,000 | n/a | 0.0% | |
| OHIO VALLEY COMMUNITY FEDERAL CREDIT UNION | $1,310,000 | $1,405,000 | 7.3% | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | $1,390,000 | n/a | 0.0% | |
| CHURCHILL MORTGAGE CORPORATION | $2,295,000 | $1,355,000 | -41.0% | 0.0% |
| BAY CAPITAL MORTGAGE CORPORATION | $1,685,000 | $1,335,000 | -20.8% | 0.0% |
| Blue Ridge Bank | $2,640,000 | $1,325,000 | -49.8% | 0.0% |
| Citibank | $410,000 | $1,265,000 | 208.5% | 0.0% |
| Celco Community Federal Credit Union | $3,075,000 | $1,255,000 | -59.2% | 0.0% |
| MLD MORTGAGE INC. | $515,000 | $1,250,000 | 142.7% | 0.0% |
| Texana Bank | $1,250,000 | n/a | 0.0% | |
| STAR USA FEDERAL CREDIT UNION | $880,000 | $1,245,000 | 41.5% | 0.0% |
| CANOPY MORTGAGE, LLC | $1,235,000 | n/a | 0.0% | |
| TEMPLE VIEW CAPITAL FUNDING, LP | $1,810,000 | $1,205,000 | -33.4% | 0.0% |
| LIMA ONE CAPITAL, LLC | $2,490,000 | $1,170,000 | -53.0% | 0.0% |
| UBS Bank USA | $1,170,000 | n/a | 0.0% | |
| BAY EQUITY LLC | $500,000 | $1,160,000 | 132.0% | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | $2,675,000 | $1,140,000 | -57.4% | 0.0% |
| First National Bank of America | $65,000 | $1,115,000 | 1,615.4% | 0.0% |
| Bank-Fund Staff Federal Credit Union | $150,000 | $1,100,000 | 633.3% | 0.0% |
| GENERAL ELECTRIC CREDIT UNION | $405,000 | $1,090,000 | 169.1% | 0.0% |
| MORTGAGE ACCESS CORP. | $450,000 | $1,085,000 | 141.1% | 0.0% |
| First Bank | $415,000 | $1,065,000 | 156.6% | 0.0% |
| MORIA DEVELOPMENT, INC. | $560,000 | $1,060,000 | 89.3% | 0.0% |
| Hometown Equity Mortgage, LLC | $410,000 | $1,035,000 | 152.4% | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | $2,255,000 | $1,030,000 | -54.3% | 0.0% |
| EMM LOANS LLC | $885,000 | $1,020,000 | 15.3% | 0.0% |
| CFSBANK | $1,015,000 | n/a | 0.0% | |
| Commerce Home Mortgage, Inc. | $1,005,000 | n/a | 0.0% | |
| ABSOLUTE HOME MORTGAGE CORPORATION | $520,000 | $975,000 | 87.5% | 0.0% |
| THE MORTGAGE FIRM, INC. | $975,000 | n/a | 0.0% | |
| State Department Federal Credit Union | $880,000 | $960,000 | 9.1% | 0.0% |
| Baxter Credit Union | $215,000 | $955,000 | 344.2% | 0.0% |
| EVANSVILLE TEACHERS | $210,000 | $950,000 | 352.4% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $950,000 | n/a | 0.0% | |
| OCMBC, INC. | $940,000 | n/a | 0.0% | |
| The Park National Bank | $475,000 | $935,000 | 96.8% | 0.0% |
| American Airlines Federal Credit Union | $385,000 | $925,000 | 140.3% | 0.0% |
| Encompass Lending Group, LP | $915,000 | n/a | 0.0% | |
| ARC HOME LLC | $125,000 | $905,000 | 624.0% | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $685,000 | $885,000 | 29.2% | 0.0% |
| GoPrime Mortgage, Inc. | $710,000 | $885,000 | 24.6% | 0.0% |
| UNIVERSAL Federal Credit Union | $790,000 | $880,000 | 11.4% | 0.0% |
| NATIONAL BANKSHARES, INC. | $160,000 | $870,000 | 443.8% | 0.0% |
| LENDSURE MORTGAGE CORP. | $185,000 | $865,000 | 367.6% | 0.0% |
| BECKAM FUNDING CORP. | $860,000 | n/a | 0.0% | |
| South State Bank | $860,000 | n/a | 0.0% | |
| NEXERA HOLDING LLC | $600,000 | $855,000 | 42.5% | 0.0% |
| ASHLAND Credit Union | $1,185,000 | $835,000 | -29.5% | 0.0% |
| Kentucky Farmers Bank Corporation | $1,190,000 | $835,000 | -29.8% | 0.0% |
| Citadel Servicing Corporation | $815,000 | n/a | 0.0% | |
| BNY Mellon | $805,000 | n/a | 0.0% | |
| Middletown Valley Bank | $805,000 | n/a | 0.0% | |
| West Central Bank | $805,000 | n/a | 0.0% | |
| North American Savings Bank, F.S.B. | $520,000 | $800,000 | 53.8% | 0.0% |
| GENEVA FINANCIAL, LLC | $615,000 | $795,000 | 29.3% | 0.0% |
| NexBank | $215,000 | $790,000 | 267.4% | 0.0% |
| Home Mortgage Alliance Corp | $770,000 | n/a | 0.0% | |
| Old National Bank | $10,030,000 | $765,000 | -92.4% | 0.0% |
| Dollar Bank, Federal Savings Bank | $520,000 | $755,000 | 45.2% | 0.0% |
| Peoples Bank | $49,025,000 | $755,000 | -98.5% | 0.0% |
| EQUITY RESOURCES, INC. | $280,000 | $745,000 | 166.1% | 0.0% |
| First Commonwealth Bank | $1,890,000 | $735,000 | -61.1% | 0.0% |
| Deere Employees Credit Union | $405,000 | $730,000 | 80.2% | 0.0% |
| NASA Federal Credit Union | $1,545,000 | $710,000 | -54.0% | 0.0% |
| One Community Federal Credit Union | $425,000 | $700,000 | 64.7% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $195,000 | $700,000 | 259.0% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $310,000 | $685,000 | 121.0% | 0.0% |
| SWBC MORTGAGE CORPORATION | $1,530,000 | $675,000 | -55.9% | 0.0% |
| Signature Federal Credit Union | $475,000 | $665,000 | 40.0% | 0.0% |
| HARTFORD FUNDING, LTD. | $660,000 | n/a | 0.0% | |
| TEACHERS | $155,000 | $635,000 | 309.7% | 0.0% |
| Bank of England | $3,075,000 | $615,000 | -80.0% | 0.0% |
| MidAtlantic Farm Credit, ACA | $2,365,000 | $615,000 | -74.0% | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $610,000 | n/a | 0.0% | |
| Homesale Mortgage, LLC | $610,000 | n/a | 0.0% | |
| York Traditions Bank | $750,000 | $610,000 | -18.7% | 0.0% |
| Bethpage Federal Credit Union | $205,000 | $590,000 | 187.8% | 0.0% |
| Chambers Bank | $585,000 | n/a | 0.0% | |
| City Bank | $575,000 | n/a | 0.0% | |
| Libertyville Bank & Trust | $565,000 | n/a | 0.0% | |
| MidFirst Bank | $300,000 | $560,000 | 86.7% | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | $2,510,000 | $560,000 | -77.7% | 0.0% |
| NBH Bank | $555,000 | n/a | 0.0% | |
| AgFirst Farm Credit Bank | $1,005,000 | $540,000 | -46.3% | 0.0% |
| Union Savings Bank | $515,000 | n/a | 0.0% | |
| CORNERSTONE HOME LENDING, INC. | $195,000 | $500,000 | 156.4% | 0.0% |
| The Dart Bank | $495,000 | n/a | 0.0% | |
| The United Federal Credit Union | $3,625,000 | $495,000 | -86.3% | 0.0% |
| CONTOUR MORTGAGE CORPORATION | $695,000 | $490,000 | -29.5% | 0.0% |
| Princeton Mortgage Corporation | $175,000 | $485,000 | 177.1% | 0.0% |
| Toyota Financial Savings Bank | $485,000 | n/a | 0.0% | |
| Univest Bank and Trust Co. | $780,000 | $480,000 | -38.5% | 0.0% |
| FirstBank | $525,000 | $465,000 | -11.4% | 0.0% |
| RESIDENTIAL BANCORP | $460,000 | n/a | 0.0% | |
| MEMBERS CHOICE | $165,000 | $455,000 | 175.8% | 0.0% |
| FIRST BANCORP | $1,255,000 | $450,000 | -64.1% | 0.0% |
| BancorpSouth | $435,000 | n/a | 0.0% | |
| ANDREWS FEDERAL CREDIT UNION | $430,000 | n/a | 0.0% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $230,000 | $430,000 | 87.0% | 0.0% |
| Assurance Financial Group, L.L.C. | $410,000 | n/a | 0.0% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $680,000 | $410,000 | -39.7% | 0.0% |
| Wilmington Savings Fund Society, FSB | $195,000 | $410,000 | 110.3% | 0.0% |
| Citizens Bank of Kentucky, Inc. | $430,000 | $400,000 | -7.0% | 0.0% |
| MEMBERS 1ST FEDERAL CREDIT UNION | $470,000 | $390,000 | -17.0% | 0.0% |
| PARK VIEW FEDERAL CREDIT UNION | $205,000 | $390,000 | 90.2% | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $385,000 | n/a | 0.0% | |
| CITIZENS EQUITY FIRST | $480,000 | $370,000 | -22.9% | 0.0% |
| Quontic Bank | $1,675,000 | $370,000 | -77.9% | 0.0% |
| CHEVRON | $155,000 | $360,000 | 132.3% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $450,000 | $355,000 | -21.1% | 0.0% |
| Renasant Bank | $1,405,000 | $355,000 | -74.7% | 0.0% |
| AMERICAN HERITAGE FCU | $25,000 | $350,000 | 1,300.0% | 0.0% |
| NEW WAVE LENDING GROUP INC | $350,000 | n/a | 0.0% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $2,535,000 | $345,000 | -86.4% | 0.0% |
| AmeriServ Financial Bank | $305,000 | $340,000 | 11.5% | 0.0% |
| ACT 1ST FCU | $500,000 | $325,000 | -35.0% | 0.0% |
| FREEDOM FIRST | $145,000 | $320,000 | 120.7% | 0.0% |
| First Horizon Bank | $1,185,000 | $315,000 | -73.4% | 0.0% |
| NP, Inc. | $315,000 | n/a | 0.0% | |
| RADIUS FINANCIAL GROUP INC. | $315,000 | n/a | 0.0% | |
| APL | $55,000 | $305,000 | 454.5% | 0.0% |
| Clearview Federal Credit Union | $960,000 | $305,000 | -68.2% | 0.0% |
| FIRST HERITAGE FINANCIAL, LLC | $305,000 | n/a | 0.0% | |
| Mid-Atlantic Federal Credit Union | $305,000 | n/a | 0.0% | |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | $635,000 | $305,000 | -52.0% | 0.0% |
| Guardian Savings Bank, A Federal Savings Bank | $295,000 | n/a | 0.0% | |
| First National Bank of Michigan | $285,000 | n/a | 0.0% | |
| OceanFirst Bank | $285,000 | n/a | 0.0% | |
| Centier Bank | $155,000 | $280,000 | 80.6% | 0.0% |
| A&D Mortgage LLC | $275,000 | n/a | 0.0% | |
| First International Bank & Trust | $265,000 | n/a | 0.0% | |
| Keystone Funding, Inc. | $265,000 | n/a | 0.0% | |
| Cache Valley Bank | $255,000 | n/a | 0.0% | |
| Bank of Whittier | $245,000 | n/a | 0.0% | |
| First Savings Bank | $670,000 | $245,000 | -63.4% | 0.0% |
| Logan Finance Corporation | $185,000 | $245,000 | 32.4% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $735,000 | $240,000 | -67.3% | 0.0% |
| AmRes Corporation | $235,000 | n/a | 0.0% | |
| BOKF | $235,000 | n/a | 0.0% | |
| Powell Valley National Bank | $235,000 | n/a | 0.0% | |
| CORNING | $170,000 | $225,000 | 32.4% | 0.0% |
| Farm Credit Mid-America, ACA | $225,000 | n/a | 0.0% | |
| Community First National Bank | $555,000 | $215,000 | -61.3% | 0.0% |
| SOUTHERN TRUST MORTGAGE, LLC | $1,150,000 | $215,000 | -81.3% | 0.0% |
| Christian Community Credit Union | $305,000 | $205,000 | -32.8% | 0.0% |
| First Bank | $415,000 | $205,000 | -50.6% | 0.0% |
| Servion, Inc. | $35,000 | $205,000 | 485.7% | 0.0% |
| EDUCATIONAL SYSTEMS | $145,000 | $195,000 | 34.5% | 0.0% |
| SeaTrust Mortgage Company | $195,000 | n/a | 0.0% | |
| CENTURY | $185,000 | n/a | 0.0% | |
| TJC Mortgage, Inc. | $1,230,000 | $185,000 | -85.0% | 0.0% |
| TruHome Solutions, LLC | $185,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $195,000 | $170,000 | -12.8% | 0.0% |
| Countybank | $125,000 | $165,000 | 32.0% | 0.0% |
| Merchants Bank of Indiana | $165,000 | n/a | 0.0% | |
| Service Federal Credit Union | $80,000 | $165,000 | 106.3% | 0.0% |
| First Merchants Bank | $155,000 | n/a | 0.0% | |
| SmartBank | $155,000 | n/a | 0.0% | |
| ADVANCIAL | $105,000 | $145,000 | 38.1% | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | $135,000 | n/a | 0.0% | |
| NEXTMARK | $520,000 | $130,000 | -75.0% | 0.0% |
| AMWEST FUNDING CORP. | $125,000 | n/a | 0.0% | |
| PROPONENT Federal Credit Union | $55,000 | $125,000 | 127.3% | 0.0% |
| SUMMIT FUNDING, INC. | $280,000 | $125,000 | -55.4% | 0.0% |
| The Union Bank Company | $175,000 | $125,000 | -28.6% | 0.0% |
| First State Bank | $100,000 | $120,000 | 20.0% | 0.0% |
| United States Senate Federal Credit Union | $145,000 | $120,000 | -17.2% | 0.0% |
| INTERNATIONAL CITY MORTGAGE, INC. | $115,000 | n/a | 0.0% | |
| PriorityOne Bank | $115,000 | n/a | 0.0% | |
| RUOFF MORTGAGE COMPANY, INC. | $420,000 | $115,000 | -72.6% | 0.0% |
| Meade County Bank | $120,000 | $110,000 | -8.3% | 0.0% |
| The Bank of Marion | $135,000 | $110,000 | -18.5% | 0.0% |
| General Mortgage Capital Corporation | $245,000 | $105,000 | -57.1% | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | $570,000 | $105,000 | -81.6% | 0.0% |
| S1L, Inc. | $75,000 | $105,000 | 40.0% | 0.0% |
| UNITED | $105,000 | n/a | 0.0% | |
| NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION | $805,000 | $95,000 | -88.2% | 0.0% |
| Security First Bank | $95,000 | n/a | 0.0% | |
| Home Loan Investment Bank, F.S.B. | $65,000 | $90,000 | 38.5% | 0.0% |
| DIGITAL Federal Credit Union | $475,000 | $85,000 | -82.1% | 0.0% |
| Orrstown Bank | $580,000 | $80,000 | -86.2% | 0.0% |
| Arvest Bank | $160,000 | $75,000 | -53.1% | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | $700,000 | $75,000 | -89.3% | 0.0% |
| The Farmers National Bank of Canfield | $45,000 | $75,000 | 66.7% | 0.0% |
| PARTNERS 1ST Federal Credit Union | $385,000 | $70,000 | -81.8% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $590,000 | $65,000 | -89.0% | 0.0% |
| Democracy Federal Credit Union | $65,000 | n/a | 0.0% | |
| NYMEO FEDERAL CREDIT UNION | $305,000 | $65,000 | -78.7% | 0.0% |
| BANK OF LITTLE ROCK MORTGAGE CORPORATION | $55,000 | n/a | 0.0% | |
| BMI Federal Credit Union | $55,000 | n/a | 0.0% | |
| LIBRARY OF CONGRESS | $25,000 | $45,000 | 80.0% | 0.0% |
| CAMPUS USA | $35,000 | n/a | 0.0% | |
| FEDCHOICE Federal Credit Union | $65,000 | $35,000 | -46.2% | 0.0% |
| Transportation Federal Credit Union | $35,000 | n/a | 0.0% | |
| AGRICULTURE Federal Credit Union | $25,000 | n/a | 0.0% | |
| First Grayson Bank | $25,000 | n/a | 0.0% | |
| UNIFY FINANCIAL Credit Union | $50,000 | $25,000 | -50.0% | 0.0% |
West Virginia's top lender by overall market share is QUICKEN LOANS, LLC, with 6.5% market share. In second place, with 4.4%, is City National Bank of West Virginia, having originated $232,240,000 in loans. In third place, with 3.5%, is The Huntington National Bank, having originated $187,395,000 in loans. In fourth place, with 3.4%, is WesBanco, having originated $181,295,000 in loans. In fifth place, with 3.1%, is Mortgage Research Center, LLC, having originated $165,475,000 in loans.
West Virginia Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 16,682 | $3,798,830,000 | $227,720 |
| Cash Out Refi | 3,330 | $519,430,000 | $155,985 |
| Refi | 2,765 | $585,745,000 | $211,843 |
| Home Improvement | 2,203 | $170,295,000 | $77,301 |
| Other | 2,185 | $209,725,000 | $95,984 |
| NA | 3 | $235,000 | $78,333 |
West Virginia's most frequently cited loan purpose was Home Purchase, with 16,682 originations. The 2nd most popular reason was Cash Out Refi, with 3,330 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 10,520 | $2,359,380,000 | $224,276 |
| 7-8% | 4,513 | $902,395,000 | $199,955 |
| Over 8% | 4,233 | $437,265,000 | $103,299 |
| 5-6% | 3,879 | $967,195,000 | $249,341 |
| 2.5-3% | 412 | $37,390,000 | $90,752 |
| 3-4% | 390 | $37,510,000 | $96,179 |
| 4-5% | 280 | $82,640,000 | $295,143 |
| <2.5% | 276 | $2,920,000 | $10,580 |
During 2024, West Virginia's most frequently originated rate bucket was 6-7%, with 10,520 originations.
Loan Sizing (West Virginia MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 8,697 | $1,266,205,000 | $145,591 |
| $100,000 or less | 8,450 | $478,510,000 | $56,628 |
| $200k-400k | 7,983 | $2,210,515,000 | $276,903 |
| $400k-600k | 1,588 | $743,170,000 | $467,991 |
| $600k-1000k | 349 | $248,645,000 | $712,450 |
| $Over $1MM | 101 | $337,215,000 | $3,338,762 |
West Virginia's loan sizing saw the bucket of loans from $100k-200k with 8,697 originations, totaling $1,266,205,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 12,055 | $2,867,395,000 | $237,859 |
| 60-80% | 4,534 | $1,040,160,000 | $229,413 |
| Under 20% | 2,595 | $106,805,000 | $41,158 |
| 20-40% | 2,573 | $227,295,000 | $88,339 |
| 40-60% | 2,022 | $349,010,000 | $172,606 |
| Over 100% | 419 | $148,955,000 | $355,501 |
West Virginia's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 12,055 originations, totaling $2,867,395,000 in origination value.