Mortgage lending in Monongalia County
1,731 mortgages were originated in Monongalia County, West Virginia, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,731
- Median rate
- 6.500%
- Median lender fees
- $4,478
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $225,000
- Above the going rate (spread over APOR)
- 0.144
- Paid discount points
- 30.9%
- Received lender credits
- 25%
- Purchases / refinances
- 64.5% / 19.8%
- Conventional / FHA / VA
- 83.8% / 9.6% / 6%
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 72.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $270,000
- That home, 20% down
- $216,000
A median-priced home with 20% down leaves $616,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Monongalia County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Clear Mountain Bank | 184 | $3,955 | 6.250% |
| The Huntington National Bank | 174 | $5,013 | 7.000% |
| Rocket Mortgage, LLC | 98 | $5,875 | 6.875% |
| PNC Bank, National Association | 89 | $4,653 | 6.625% |
| United Bank | 85 | — | 6.900% |
| WesBanco Bank, Inc. | 81 | — | 6.250% |
| Intercoastal Mortgage, LLC | 70 | $4,172 | 6.375% |
| United Shore Financial Services, LLC | 63 | $7,080 | 6.385% |
| Truist Bank | 58 | — | 6.600% |
| Crosscountry Mortgage, Inc. | 57 | — | 6.750% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Monongalia County — not a rule of thumb.
From 1,252 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers