West Virginia mortgages and home buyers, 2025
Incomes, down payments, rates, loan costs, denials and lenders across West Virginia's 55 counties, from official HMDA records.
HMDA 2025 data released June 23, 2026
In 2025, lenders reported 13,099 home-purchase mortgages for owner-occupied, single-family homes in West Virginia. The median buyer borrowed $225,000 on a home valued at $265,000 and reported a household income of $90,000.
Buyers financed a median 95% of the home's value (roughly 5% down), paid a median 6.624% on 30-year fixed conventional loans and faced median conventional loan costs of $4,280.
Lenders denied 9.4% of completed home-purchase applications.
Key facts
- Home buyers' median income ($90,000) is 22% lower than the U.S. median ($116,000).
- Median conventional loan costs ($4,280) were 23% lower than the U.S. median ($5,570).
- 24.6% of buyers put at least 20% down (financed 80% or less), compared with 38.5% nationally.
- 10.3% of single-family purchase mortgages financed manufactured homes.
- The most common age bracket among borrowers was 25–34 (34.7% of purchase loans).
- 60.0% of purchase mortgages had a single borrower with no co-applicant.
- The most-cited reason for denial was debt-to-income ratio (33.0% of denials with a stated reason).
Conforming limits in West Virginia range from $832,750 to $1,249,125 for a one-unit home in 2026. See every West Virginia county's 2026 FHA and conforming loan limits.
West Virginia counties compared
Click a column to sort. Medians shown with at least 30 loans.
| County | Purchase loans | Median loan | Buyer income | Down payment | 30-yr rate | Loan costs | Denial rate | FHA limit |
|---|---|---|---|---|---|---|---|---|
| Barbour County | 53 | $175,000 | $78,000 | 3.5% | — | — | 7.7% | $541,287 |
| Berkeley County | 2,143 | $295,000 | $97,000 | 3.5% | 6.625% | $5,400 | 7.6% | $541,287 |
| Boone County | 67 | $155,000 | $83,000 | 3.5% | — | — | 17.3% | $541,287 |
| Braxton County | 43 | $165,000 | $77,000 | 5.0% | — | — | 21.1% | $541,287 |
| Brooke County | 130 | $165,000 | $77,000 | 3.5% | 6.430% | $3,700 | 8.8% | $541,287 |
| Cabell County | 647 | $185,000 | $81,000 | 3.5% | 6.625% | $3,940 | 8.8% | $541,287 |
| Calhoun County | 16 | — | — | — | — | — | — | $541,287 |
| Clay County | 21 | — | — | — | — | — | — | $541,287 |
| Doddridge County | 14 | — | — | — | — | — | — | $541,287 |
| Fayette County | 176 | $145,000 | $67,000 | 5.0% | 6.500% | $3,850 | 14.2% | $541,287 |
| Gilmer County | 9 | — | — | — | — | — | — | $541,287 |
| Grant County | 55 | $195,000 | $80,000 | 5.0% | — | — | 15.7% | $541,287 |
| Greenbrier County | 206 | $205,000 | $82,000 | 4.2% | 6.625% | $3,640 | 6.3% | $541,287 |
| Hampshire County | 181 | $235,000 | $82,000 | 5.0% | 6.750% | $5,140 | 5.0% | $541,287 |
| Hancock County | 218 | $145,000 | $69,000 | 6.5% | 6.500% | $2,690 | 7.0% | $541,287 |
| Hardy County | 91 | $205,000 | $84,000 | 5.0% | — | $4,830 | 11.5% | $541,287 |
| Harrison County | 457 | $195,000 | $84,000 | 5.0% | 6.500% | $3,900 | 10.9% | $541,287 |
| Jackson County | 160 | $195,000 | $84,000 | 5.0% | 6.625% | $4,560 | 12.0% | $541,287 |
| Jefferson County | 1,394 | $345,000 | $112,000 | 5.0% | 6.500% | $5,480 | 6.2% | $1,249,125 |
| Kanawha County | 1,244 | $175,000 | $76,000 | 3.5% | 6.625% | $3,950 | 8.2% | $541,287 |
| Lewis County | 66 | $155,000 | $75,000 | 5.0% | — | $3,930 | 17.9% | $541,287 |
| Lincoln County | 52 | $145,000 | $72,000 | 3.5% | — | — | 5.2% | $541,287 |
| Logan County | 115 | $145,000 | $84,000 | 3.5% | — | — | 12.5% | $541,287 |
| McDowell County | 14 | — | — | — | — | — | — | $541,287 |
| Marion County | 429 | $195,000 | $82,000 | 3.5% | 6.430% | $3,880 | 12.3% | $541,287 |
| Marshall County | 189 | $155,000 | $70,000 | 3.5% | 6.490% | $3,880 | 9.3% | $541,287 |
| Mason County | 117 | $175,000 | $81,000 | 3.5% | — | $3,760 | 10.4% | $541,287 |
| Mercer County | 303 | $155,000 | $73,000 | 3.5% | 6.500% | $3,890 | 8.4% | $541,287 |
| Mineral County | 198 | $215,000 | $83,000 | 5.0% | 6.625% | $3,890 | 6.8% | $541,287 |
| Mingo County | 29 | — | — | — | — | — | 20.5% | $541,287 |
| Monongalia County | 866 | $275,000 | $117,000 | 10.0% | 6.500% | $4,360 | 8.1% | $541,287 |
| Monroe County | 66 | $165,000 | $75,000 | 5.0% | — | $4,630 | 13.2% | $541,287 |
| Morgan County | 209 | $285,000 | $102,000 | 5.0% | 6.625% | $5,020 | 7.0% | $541,287 |
| Nicholas County | 97 | $175,000 | $79,000 | 5.0% | 6.750% | $4,040 | 14.5% | $541,287 |
| Ohio County | 288 | $175,000 | $81,000 | 5.0% | 6.375% | $3,890 | 9.3% | $541,287 |
| Pendleton County | 45 | $185,000 | $72,000 | 5.0% | — | — | 6.3% | $541,287 |
| Pleasants County | 41 | $205,000 | $80,000 | 3.5% | — | — | 10.9% | $541,287 |
| Pocahontas County | 32 | $185,000 | $91,000 | — | — | — | 15.4% | $541,287 |
| Preston County | 147 | $245,000 | $94,000 | 7.9% | 6.625% | $4,670 | 13.9% | $541,287 |
| Putnam County | 509 | $255,000 | $109,000 | 5.0% | 6.625% | $4,180 | 7.0% | $541,287 |
| Raleigh County | 532 | $165,000 | $79,000 | 3.5% | 6.625% | $3,870 | 10.9% | $541,287 |
| Randolph County | 94 | $195,000 | $79,000 | 3.5% | 6.625% | $4,470 | 12.2% | $541,287 |
| Ritchie County | 17 | — | — | — | — | — | — | $541,287 |
| Roane County | 54 | $155,000 | $71,000 | — | — | — | 14.1% | $541,287 |
| Summers County | 45 | $175,000 | $73,000 | 8.0% | — | — | 18.0% | $541,287 |
| Taylor County | 87 | $215,000 | $110,000 | 5.0% | — | $4,670 | 14.3% | $541,287 |
| Tucker County | 28 | — | — | — | — | — | 11.4% | $541,287 |
| Tyler County | 32 | $135,000 | $77,000 | 10.0% | — | — | 13.2% | $541,287 |
| Upshur County | 98 | $195,000 | $81,000 | 5.0% | 6.750% | $4,010 | 17.3% | $541,287 |
| Wayne County | 195 | $165,000 | $77,000 | 3.5% | 6.625% | $3,590 | 7.5% | $541,287 |
| Webster County | 15 | — | — | — | — | — | — | $541,287 |
| Wetzel County | 80 | $145,000 | $72,000 | 5.0% | — | $3,770 | 11.7% | $541,287 |
| Wirt County | 13 | — | — | — | — | — | — | $541,287 |
| Wood County | 580 | $175,000 | $76,000 | 3.5% | 6.599% | $4,320 | 10.8% | $541,287 |
| Wyoming County | 46 | $105,000 | $74,000 | 3.5% | — | — | 20.0% | $541,287 |
Who bought homes in West Virginia
Home-purchase mortgages for owner-occupied, single-family (1–4 unit) site-built homes, first liens, originated in 2025.
Values are medians; "middle half" is the 25th to 75th percentile.
Loan type
What the homes were for
All first-lien, closed-end purchase mortgages, including second homes and investors.
Borrower age
Debt-to-income ratio
Monthly debts (including the new payment) as a share of income, as used in underwriting.
What borrowing cost in West Virginia
Medians for 2025 home-purchase loans. Total loan costs are section D of the Loan Estimate/Closing Disclosure (lender and third-party loan charges, excluding taxes, prepaids and escrow). FHA and VA costs include the upfront mortgage insurance premium or VA funding fee, so compare like with like.
| Measure | West Virginia | U.S. |
|---|---|---|
| 30-year fixed rate · conventional | 6.624% | 6.625% |
| 30-year fixed rate · FHA | 6.430% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | 5.875% | 5.875% |
| Rate spread vs. APOR · conventional | +0.16 pts | +0.13 pts |
| Total loan costs · conventional | $4,280 | $5,570 |
| Total loan costs · FHA | $8,700 | $11,310 |
| Total loan costs · VA | $4,930 | $6,490 |
| Origination charges (all loan types) | $1,740 | $1,860 |
| Borrowers paying discount points | 54.6% | 51.3% |
| Points paid, when paid (% of loan) | 0.75% | 0.87% |
| Borrowers receiving lender credits | 35.9% | 33.1% |
| Adjustable-rate mortgages | 8.5% | 7.4% |
| Jumbo loans (above conforming limit) | 0.5% | 3.8% |
Medians are shown only when at least 30 loans report the field. Rates are those reported at closing; market rates changed during 2025, which the rate spread (APR minus the average prime offer rate on the lock date) adjusts for.
Approvals and denials
West Virginia: 1,411 of 15,035 completed home-purchase applications were denied (9.4%).
Denial rate
| Application | West Virginia | U.S. |
|---|---|---|
| Home purchase | 9.4% | 8.5% |
| Conventional | 8.6% | 7.1% |
| FHA | 11.2% | 12.5% |
| VA | 8.7% | 8.0% |
| USDA | 10.6% | 12.5% |
| Refinance | 21.8% | 17.9% |
| Cash-out refinance | 35.9% | 33.6% |
Main reason for purchase denials
First reason the lender reported.
Denial rate = denied ÷ (originated + approved but not accepted + denied). Withdrawn and incomplete applications are excluded. Differences between places reflect who applies, not only lender behavior.
Refinancing in West Virginia
Top mortgage lenders in West Virginia
| # | Lender | Loans | Share | Denial rate | 30-yr rate* | Spread* | Costs* |
|---|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 1,658 | 9.2% | 18.6% | 6.875% | +0.51 | $5,780 |
| 2 | loanDepot.com, LLC | 762 | 4.2% | 8.0% | 6.575% | +0.20 | $4,020 |
| 3 | Veterans United Home Loans | 714 | 4.0% | 9.1% | — | — | — |
| 4 | City National Bank of West Virginia | 689 | 3.8% | 7.8% | 6.200% | −0.03 | $2,180 |
| 5 | CrossCountry Mortgage, Inc. | 620 | 3.4% | 3.2% | 6.625% | +0.46 | $6,330 |
| 6 | Movement Mortgage, LLC | 605 | 3.4% | 5.9% | 6.562% | +0.19 | $4,700 |
| 7 | United Wholesale Mortgage (UWM) | 605 | 3.4% | 8.9% | 6.625% | +0.30 | $5,630 |
| 8 | The Huntington National Bank | 561 | 3.1% | 9.1% | 6.500% | +0.25 | $4,410 |
| 9 | WesBanco Bank, Inc. | 495 | 2.8% | 9.6% | 6.375% | +0.07 | $4,050 |
| 10 | Integrity Home Mortgage Corporation | 443 | 2.5% | 4.2% | 6.625% | +0.34 | $6,850 |
| 11 | Truist Bank | 375 | 2.1% | 9.3% | 6.490% | +0.05 | $4,150 |
| 12 | Primelending, a Plainscapital Company | 294 | 1.6% | 8.4% | 6.625% | +0.29 | $4,860 |
| 13 | Freedom Mortgage Corporation | 284 | 1.6% | 27.6% | — | — | — |
| 14 | Navy Federal Credit Union | 263 | 1.5% | 12.0% | 6.750% | +0.03 | $3,290 |
| 15 | Gateway First Bank | 255 | 1.4% | 3.1% | 6.625% | +0.31 | $3,810 |
| 16 | Pennymac Loan Services, LLC | 245 | 1.4% | 21.7% | — | — | — |
| 17 | First Heritage Mortgage, LLC | 244 | 1.4% | 1.6% | 6.375% | +0.05 | $6,900 |
| 18 | Rate | 227 | 1.3% | 7.2% | 6.800% | +0.52 | $4,600 |
| 19 | Clear Mountain Bank | 221 | 1.2% | 3.3% | 6.490% | −0.05 | $4,020 |
| 20 | Alcova Mortgage LLC | 217 | 1.2% | 3.2% | 6.750% | +0.34 | $4,000 |
| 21 | Atlantic Coast Mortgage, LLC | 215 | 1.2% | 5.0% | 6.490% | +0.12 | $5,600 |
| 22 | JPMorgan Chase Bank, N.A. | 213 | 1.2% | 14.9% | 6.500% | +0.12 | $3,400 |
| 23 | Lennar Mortgage, LLC | 208 | 1.1% | 13.0% | 6.500% | +0.14 | $5,190 |
| 24 | Stockton Mortgage Corporation | 190 | 1.1% | 7.2% | 6.625% | +0.38 | $4,870 |
| 25 | New American Funding | 187 | 1.0% | 7.3% | 6.990% | +0.49 | $4,790 |
Largest lenders in West Virginia by 2025 originations. Loans = home-purchase, refinance and cash-out originations (2025); share = share of those loans here; denial rate = home-purchase applications. *Medians for conventional home-purchase loans, shown with at least 20 loans; spread = APR minus the average prime offer rate at rate lock (percentage points); costs = total loan costs (section D).
Metro areas in West Virginia
- Arlington-Alexandria-Reston, VA-WV · 31,406 purchases
- Hagerstown-Martinsburg, MD-WV · 3,651 purchases
- Huntington-Ashland, WV-KY-OH · 2,591 purchases
- Winchester, VA-WV · 1,806 purchases
- Charleston, WV · 1,343 purchases
- Morgantown, WV · 1,015 purchases
- Wheeling, WV-OH · 915 purchases
- Weirton-Steubenville, WV-OH · 762 purchases
- Beckley, WV · 709 purchases
- Parkersburg-Vienna, WV · 593 purchases
Source: FFIEC/CFPB HMDA 2025 public LAR; FHFA and HUD 2026 loan limits. Methodology