Mortgage lending in Jefferson County
2,548 mortgages were originated in Jefferson County, West Virginia, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,548
- Median rate
- 6.490%
- Median lender fees
- $6,865
- Median loan amount
- $295,000
- Median spread over APOR
- 0.254
- Paid discount points
- 51.6%
- Received lender credits
- 30.8%
- Purchases / refinances
- 65.5% / 22.3%
- Conventional / FHA / VA
- 67% / 18.4% / 13.3%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 81.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,249,125
- FHA limit
- $1,249,125
This is a high-cost area: loans above $832,750 are still agency-backed here, as high-balance, where a plain conforming loan would stop. How limits work
Who lent here
Lenders with at least 50 loans in Jefferson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| LENNAR MORTGAGE, LLC | 287 | $6,589 | 6.500% |
| First Heritage Mortgage, LLC | 215 | $9,637 | 6.250% |
| Rocket Mortgage, LLC | 185 | $5,886 | 6.875% |
| Atlantic Coast Mortgage, LLC | 122 | $7,484 | 6.375% |
| CROSSCOUNTRY MORTGAGE, INC. | 98 | $8,336 | 6.575% |
| City National Bank of West Virginia | 96 | $400 | 6.200% |
| Navy Federal Credit Union | 89 | $2,980 | 7.650% |
| Truist Bank | 74 | — | 6.745% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 73 | $8,656 | 6.317% |
| Integrity Home Mortgage Corporation | 73 | $8,999 | 6.500% |
What lenders charged here
Lender fees on a $295,000 loan, based on what was actually charged in Jefferson County — not a rule of thumb.
From 2,078 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers