Top Mortgage Lenders in the Morgantown, WV area

Which mortgage lender in the Morgantown, WV area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Morgantown, WV area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Morgantown, WV area is First Federal Savings and Loan Association of Greene Co, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.20%. This means that First Federal Savings and Loan Association of Greene Co provided a -0.20% lower interest rate for its customers than other lenders in Morgantown, WV for a similar set of borrowers. First Federal Savings and Loan Association of Greene Co has a market share of 6.1%. On the other hand, the most popular lender in the market is Potomac Mortgage Group, Inc, with a market share of 12.4%. Potomac Mortgage Group, Inc is an average rate lender in this area, with a “Rate Difference” of +0.02% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Morgantown, WV area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Morgantown, WV is First Federal Savings and Loan Association of Greene Co. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Huntington National Bank. The cheapest VA mortgage provider is Navy Federal Credit Union. To get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders by “Rate Rank” for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Federal Savings and Loan Association of Greene Co 1, -0.20% 6.06%
Clear Mountain Bank 2, -0.11% 8.01%
Huntington National Bank 3, -0.05% 11.16%
Home Point Financial Corporation 4, -0.05% 3.05%
Home Savings Bank 5, -0.05% 12.01%
United Bank Va 6, -0.03% 2.35%
Truist Bank 7, -0.03% 7.16%
Navy Federal Credit Union 8, 0.01% 1.40%
WesBanco Bank, Inc 9, 0.01% 7.79%
Wells Fargo Bank 10, 0.01% 1.54%
Usaa Federal Savings Bank 11, 0.02% 2.28%
Potomac Mortgage Group, Inc 12, 0.02% 12.38%
JPMorgan Chase Bank 13, 0.04% 2.06%
Pnc Bank 14, 0.04% 4.55%
Movement Mortgage 15, 0.07% 1.76%
LoanDepot 16, 0.08% 1.91%
Quicken Loans 17, 0.17% 11.68%
Sierra Pacific Mortgage 18, 0.24% 2.86%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Federal Savings and Loan Association of Greene Co 1, -0.14% 4.51%
Clear Mountain Bank 2, -0.11% 5.90%
Huntington National Bank 3, -0.10% 10.98%
Home Point Financial Corporation 4, -0.05% 4.05%
Home Savings Bank 5, -0.03% 14.74%
United Bank Va 6, -0.02% 2.43%
Wells Fargo Bank 7, -0.00% 1.73%
Navy Federal Credit Union 8, 0.01% 1.79%
WesBanco Bank, Inc 9, 0.01% 9.77%
Truist Bank 10, 0.01% 5.78%
Usaa Federal Savings Bank 11, 0.02% 2.89%
Pnc Bank 12, 0.02% 5.09%
Potomac Mortgage Group, Inc 13, 0.04% 15.55%
JPMorgan Chase Bank 14, 0.05% 1.97%
Movement Mortgage 15, 0.07% 2.72%
LoanDepot 16, 0.09% 0.40%
Quicken Loans 17, 0.13% 5.43%
Sierra Pacific Mortgage 18, 0.25% 4.28%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Federal Savings and Loan Association of Greene Co 1, -0.26% 8.76%
Home Savings Bank 2, -0.12% 7.25%
Clear Mountain Bank 3, -0.11% 11.68%
Truist Bank 4, -0.07% 9.57%
Potomac Mortgage Group, Inc 5, -0.06% 6.85%
United Bank Va 6, -0.03% 2.22%
Home Point Financial Corporation 7, -0.02% 1.31%
Navy Federal Credit Union 8, 0.02% 0.70%
Huntington National Bank 9, 0.02% 11.48%
Usaa Federal Savings Bank 10, 0.02% 1.21%
WesBanco Bank, Inc 11, 0.02% 4.33%
JPMorgan Chase Bank 12, 0.03% 2.22%
Movement Mortgage 13, 0.03% 0.10%
Wells Fargo Bank 14, 0.05% 1.21%
Sierra Pacific Mortgage 15, 0.06% 0.40%
LoanDepot 16, 0.08% 4.53%
Pnc Bank 17, 0.10% 3.63%
Quicken Loans 18, 0.19% 22.56%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Federal Savings and Loan Association of Greene Co 1, -0.21% 8.33%
Clear Mountain Bank 2, -0.11% 11.13%
Truist Bank 3, -0.03% 9.11%
United Bank Va 4, -0.03% 3.00%
Home Point Financial Corporation 5, -0.03% 1.29%
Potomac Mortgage Group, Inc 6, -0.01% 13.04%
Home Savings Bank 7, -0.01% 11.54%
Huntington National Bank 8, -0.01% 9.83%
Wells Fargo Bank 9, 0.01% 1.92%
JPMorgan Chase Bank 10, 0.04% 2.74%
WesBanco Bank, Inc 11, 0.04% 7.40%
Pnc Bank 12, 0.05% 5.18%
Movement Mortgage 13, 0.08% 0.93%
LoanDepot 14, 0.09% 1.35%
Usaa Federal Savings Bank 15, 0.10% 1.14%
Navy Federal Credit Union 16, 0.13% 0.67%
Sierra Pacific Mortgage 17, 0.21% 1.60%
Quicken Loans 18, 0.25% 9.78%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Federal Savings and Loan Association of Greene Co 1, -0.15% 6.78%
Clear Mountain Bank 2, -0.12% 8.92%
Huntington National Bank 3, -0.05% 8.92%
United Bank Va 4, -0.04% 3.30%
Home Point Financial Corporation 5, -0.03% 1.43%
Wells Fargo Bank 6, -0.01% 2.32%
Potomac Mortgage Group, Inc 7, -0.00% 16.59%
Truist Bank 8, 0.00% 7.67%
LoanDepot 9, 0.01% 0.18%
Pnc Bank 10, 0.02% 6.16%
Home Savings Bank 11, 0.03% 14.63%
JPMorgan Chase Bank 12, 0.04% 2.85%
WesBanco Bank, Inc 13, 0.04% 9.19%
Movement Mortgage 14, 0.07% 1.52%
Usaa Federal Savings Bank 15, 0.09% 1.78%
Navy Federal Credit Union 16, 0.14% 0.98%
Quicken Loans 17, 0.18% 4.28%
Sierra Pacific Mortgage 18, 0.21% 2.50%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Federal Savings and Loan Association of Greene Co 1, -0.26% 10.48%
Home Savings Bank 2, -0.14% 7.27%
Clear Mountain Bank 3, -0.11% 14.18%
Truist Bank 4, -0.07% 11.10%
Potomac Mortgage Group, Inc 5, -0.05% 8.14%
United Bank Va 6, -0.03% 2.59%
Home Point Financial Corporation 7, -0.02% 1.11%
WesBanco Bank, Inc 8, 0.03% 4.93%
JPMorgan Chase Bank 9, 0.04% 2.59%
Huntington National Bank 10, 0.04% 11.10%
Movement Mortgage 11, 0.04% 0.12%
Usaa Federal Savings Bank 12, 0.05% 0.25%
Wells Fargo Bank 13, 0.06% 1.36%
Navy Federal Credit Union 14, 0.07% 0.25%
Sierra Pacific Mortgage 15, 0.08% 0.37%
LoanDepot 16, 0.11% 2.96%
Pnc Bank 17, 0.12% 3.82%
Quicken Loans 18, 0.28% 17.39%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Huntington National Bank 1, -0.16% 17.44%
Home Savings Bank 2, -0.14% 15.50%
Home Point Financial Corporation 3, -0.07% 8.53%
WesBanco Bank, Inc 4, -0.04% 8.33%
Pnc Bank 5, -0.00% 2.71%
United Bank Va 6, 0.02% 0.39%
Navy Federal Credit Union 7, 0.04% 0.19%
Truist Bank 8, 0.04% 0.58%
Quicken Loans 9, 0.08% 18.60%
LoanDepot 10, 0.08% 2.13%
Movement Mortgage 11, 0.09% 5.04%
Potomac Mortgage Group, Inc 12, 0.14% 14.15%
Sierra Pacific Mortgage 13, 0.31% 6.40%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Huntington National Bank 1, -0.17% 17.97%
Home Savings Bank 2, -0.15% 17.26%
Home Point Financial Corporation 3, -0.07% 9.93%
WesBanco Bank, Inc 4, -0.04% 9.93%
Pnc Bank 5, 0.00% 2.84%
United Bank Va 6, 0.03% 0.47%
Navy Federal Credit Union 7, 0.05% 0.24%
Truist Bank 8, 0.05% 0.71%
Quicken Loans 9, 0.10% 8.98%
Movement Mortgage 10, 0.10% 6.15%
LoanDepot 11, 0.14% 1.18%
Potomac Mortgage Group, Inc 12, 0.15% 16.78%
Sierra Pacific Mortgage 13, 0.33% 7.57%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Huntington National Bank 1, -0.09% 15.05%
Home Savings Bank 2, -0.04% 7.53%
Pnc Bank 3, -0.02% 2.15%
Home Point Financial Corporation 4, -0.01% 2.15%
LoanDepot 5, -0.01% 6.45%
WesBanco Bank, Inc 6, -0.00% 1.08%
Sierra Pacific Mortgage 7, 0.00% 1.08%
Potomac Mortgage Group, Inc 8, 0.01% 2.15%
Quicken Loans 9, 0.03% 62.37%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.01% 6.06%
Truist Bank 2, -0.00% 21.21%
Usaa Federal Savings Bank 3, -0.00% 3.03%
First Federal Savings and Loan Association of Greene Co 4, -0.00% 6.06%
Home Savings Bank 5, -0.00% 18.18%
Pnc Bank 6, 0.00% 15.15%
Clear Mountain Bank 7, 0.00% 3.03%
Huntington National Bank 8, 0.00% 18.18%
JPMorgan Chase Bank 9, 0.01% 3.03%
United Bank Va 10, 0.01% 6.06%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Wells Fargo Bank 1, -0.01% 10.53%
Home Savings Bank 2, -0.00% 15.79%
Truist Bank 3, -0.00% 26.32%
Usaa Federal Savings Bank 4, 0.00% 5.26%
Huntington National Bank 5, 0.00% 15.79%
Pnc Bank 6, 0.00% 15.79%
United Bank Va 7, 0.01% 5.26%
JPMorgan Chase Bank 8, 0.01% 5.26%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Federal Savings and Loan Association of Greene Co 1, -0.01% 14.29%
Pnc Bank 2, -0.00% 14.29%
Clear Mountain Bank 3, -0.00% 7.14%
Home Savings Bank 4, -0.00% 21.43%
Truist Bank 5, -0.00% 14.29%
Huntington National Bank 6, 0.01% 21.43%
United Bank Va 7, 0.01% 7.14%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.08% 9.92%
WesBanco Bank, Inc 2, -0.07% 10.74%
Usaa Federal Savings Bank 3, -0.05% 16.12%
Home Savings Bank 4, -0.05% 7.44%
United Bank Va 5, -0.01% 0.83%
Huntington National Bank 6, -0.00% 7.44%
Wells Fargo Bank 7, 0.00% 1.24%
First Federal Savings and Loan Association of Greene Co 8, 0.00% 0.83%
Pnc Bank 9, 0.01% 2.07%
Clear Mountain Bank 10, 0.01% 0.83%
Truist Bank 11, 0.01% 3.72%
JPMorgan Chase Bank 12, 0.02% 0.83%
Home Point Financial Corporation 13, 0.03% 5.79%
Movement Mortgage 14, 0.04% 1.65%
LoanDepot 15, 0.04% 6.20%
Quicken Loans 16, 0.05% 13.64%
Potomac Mortgage Group, Inc 17, 0.09% 4.96%
Sierra Pacific Mortgage 18, 0.15% 5.79%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.08% 11.38%
WesBanco Bank, Inc 2, -0.06% 14.37%
Usaa Federal Savings Bank 3, -0.05% 17.37%
Home Savings Bank 4, -0.05% 8.98%
United Bank Va 5, 0.00% 1.20%
Wells Fargo Bank 6, 0.00% 1.20%
First Federal Savings and Loan Association of Greene Co 7, 0.01% 1.20%
Pnc Bank 8, 0.01% 2.40%
Truist Bank 9, 0.02% 3.59%
Huntington National Bank 10, 0.02% 6.59%
Clear Mountain Bank 11, 0.02% 1.20%
JPMorgan Chase Bank 12, 0.03% 0.60%
Quicken Loans 13, 0.04% 4.79%
Home Point Financial Corporation 14, 0.05% 7.19%
Movement Mortgage 15, 0.05% 2.40%
Potomac Mortgage Group, Inc 16, 0.10% 7.19%
Sierra Pacific Mortgage 17, 0.16% 8.38%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.05% 6.67%
Huntington National Bank 2, -0.04% 9.33%
Usaa Federal Savings Bank 3, -0.03% 13.33%
Home Point Financial Corporation 4, -0.03% 2.67%
Home Savings Bank 5, -0.02% 4.00%
WesBanco Bank, Inc 6, -0.02% 2.67%
JPMorgan Chase Bank 7, -0.01% 1.33%
Wells Fargo Bank 8, -0.01% 1.33%
Pnc Bank 9, -0.01% 1.33%
Truist Bank 10, 0.00% 4.00%
LoanDepot 11, 0.02% 20.00%
Quicken Loans 12, 0.03% 33.33%

* Data is compiled for the Morgantown, WV commuting zone area, which comprises of counties of Greene County, PA, Doddridge County, WV, Harrison County, WV, Marion County, WV, Monongalia County, WV, Preston County, WV, and Taylor County, WV. This includes cities/towns/communities of Morgantown, WV as well as Cheat Lake, WV, Fairmont, WV, Bridgeport, WV, Brookhaven, WV, Clarksburg, WV, Terra Alta, WV, Grafton, WV, Westover, WV, White Hall, WV, Kingwood, WV, Brandonville, WV, Cassville, WV, Fairdale, PA, Pleasant Valley, WV, Star City, WV, Morrisville, PA, Nutter Fort, WV, Mannington, WV, Masontown, WV, Lumberport, WV, Waynesburg, PA, Mather, PA, Anmoore, WV, Bobtown, PA, Dry Tavern, PA, Rivesville, WV, Shinnston, WV, Lost Creek, WV, West Milford, WV, Mount Morris, PA, Gypsy, WV, Idamay, WV, Blacksville, WV, Rogersville, PA, Barrackville, WV, Newburg, WV, Stonewood, WV, West Union, WV, Enterprise, WV, Rowlesburg, WV, Wolf Summit, WV, and Salem, WV. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate based on the MSA, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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