Mortgage lending in Wood County
1,287 mortgages were originated in Wood 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
- 1,287
- Median rate
- 6.750%
- Median lender fees
- $4,621
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
- $135,000
- Above the going rate (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
- Median home price
- $152,000
- That home, 20% down
- $121,600
A median-priced home with 20% down leaves $711,150 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 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, 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