Mortgage lending in Charleston, WV
3,070 mortgages were originated in the Charleston, WV area in 2025, and here is what they cost.
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
- 3,070
- Median rate
- 6.625%
- Median lender fees
- $4,470
- Median loan amount
- $125,000
- Median spread over APOR
- 0.506
- Paid discount points
- 36.3%
- Received lender credits
- 17%
- Purchases / refinances
- 55.9% / 28.9%
- Conventional / FHA / VA
- 71.3% / 18% / 9.2%
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 69.6% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Charleston, WV area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| City National Bank of West Virginia | 375 | $200 | 6.290% |
| Rocket Mortgage, LLC | 249 | $5,326 | 6.750% |
| Loandepot.Com, LLC | 202 | $5,796 | 6.537% |
| Gateway First Bank | 182 | $4,592 | 6.625% |
| The Huntington National Bank | 129 | $4,235 | 7.990% |
| Truist Bank | 126 | — | 7.162% |
| The Poca Valley Bank, Inc. | 117 | — | — |
| SUCCESS MORTGAGE PARTNERS, INC. | 91 | $7,095 | 6.990% |
| WesBanco Bank, Inc. | 87 | $4,332 | 6.125% |
| CROSSCOUNTRY MORTGAGE, INC. | 86 | $6,738 | 6.750% |