Mortgage lending in Wood County
1,287 mortgages were originated in Wood 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
- 1,287
- Median rate
- 6.750%
- Median lender fees
- $4,621
- Median loan amount
- $135,000
- Median spread over APOR
- 0.546
- Paid discount points
- 39.2%
- Received lender credits
- 20.5%
- Purchases / refinances
- 53.3% / 30.4%
- Conventional / FHA / VA
- 70.8% / 17.9% / 10.2%
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 70.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Wood County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Peoples Bank | 154 | $3,535 | 7.240% |
| Rocket Mortgage, LLC | 125 | $5,481 | 6.750% |
| MOVEMENT MORTGAGE, LLC | 104 | $5,967 | 6.562% |
| WEST VIRGINIA CENTRAL | 84 | $2,344 | — |
| The Huntington National Bank | 76 | $4,314 | 6.750% |
| STOCKTON MORTGAGE CORPORATION | 69 | $6,676 | 6.500% |
| Community Bank of Parkersburg | 68 | — | — |
| WesBanco Bank, Inc. | 59 | — | 6.000% |
What lenders charged here
Lender fees on a $135,000 loan, based on what was actually charged in Wood County — not a rule of thumb.
From 902 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