Top Mortgage Lenders in the Wheeling, WV area

Which mortgage lender in the Wheeling, 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 Wheeling, 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 Wheeling, WV area is Bayer Heritage Federal Credit Union, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.16%. This means that Bayer Heritage Federal Credit Union provided a -0.16% lower interest rate for its customers than other lenders in Wheeling, WV for a similar set of borrowers. Bayer Heritage Federal Credit Union has a market share of 13.4%. On the other hand, the most popular lender in the market is Quicken Loans, with a market share of 20.3%. Quicken Loans is an average rate lender in this area, with a “Rate Difference” of +0.06% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Wheeling, 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 Wheeling, WV is Bayer Heritage Federal Credit Union. 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 Huntington National Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is WesBanco Bank, Inc. The cheapest VA mortgage provider is also WesBanco Bank, Inc. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bayer Heritage Federal Credit Union 1, -0.16% 13.37%
WesBanco Bank, Inc 2, -0.10% 17.37%
Truist Bank 3, -0.08% 7.68%
United Bank Va 4, -0.04% 3.68%
Huntington National Bank 5, -0.02% 8.63%
JPMorgan Chase Bank 6, -0.01% 6.32%
Quicken Loans 7, 0.06% 20.32%
Mid America Mortgage Inc 8, 0.12% 7.16%
Union Home Mortgage Company 9, 0.15% 8.95%
Mortgage Solutions of Colorado 10, 0.22% 6.53%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
WesBanco Bank, Inc 1, -0.13% 20.65%
Truist Bank 2, -0.11% 8.78%
Bayer Heritage Federal Credit Union 3, -0.09% 7.15%
United Bank Va 4, -0.06% 4.23%
Huntington National Bank 5, -0.05% 8.46%
JPMorgan Chase Bank 6, -0.05% 6.67%
Quicken Loans 7, 0.01% 13.33%
Mid America Mortgage Inc 8, 0.12% 10.08%
Union Home Mortgage Company 9, 0.16% 12.36%
Mortgage Solutions of Colorado 10, 0.24% 8.29%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bayer Heritage Federal Credit Union 1, -0.19% 24.78%
WesBanco Bank, Inc 2, -0.01% 11.34%
United Bank Va 3, 0.01% 2.69%
Union Home Mortgage Company 4, 0.01% 2.69%
Truist Bank 5, 0.02% 5.67%
Mid America Mortgage Inc 6, 0.03% 1.79%
Huntington National Bank 7, 0.04% 8.96%
JPMorgan Chase Bank 8, 0.09% 5.67%
Quicken Loans 9, 0.10% 33.13%
Mortgage Solutions of Colorado 10, 0.10% 3.28%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bayer Heritage Federal Credit Union 1, -0.15% 19.57%
Truist Bank 2, -0.07% 10.79%
WesBanco Bank, Inc 3, -0.04% 18.49%
United Bank Va 4, -0.03% 5.24%
JPMorgan Chase Bank 5, 0.00% 8.94%
Huntington National Bank 6, 0.01% 8.78%
Mortgage Solutions of Colorado 7, 0.10% 2.00%
Union Home Mortgage Company 8, 0.11% 7.24%
Quicken Loans 9, 0.17% 13.87%
Mid America Mortgage Inc 10, 0.20% 5.08%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Truist Bank 1, -0.11% 12.98%
Bayer Heritage Federal Credit Union 2, -0.08% 11.20%
WesBanco Bank, Inc 3, -0.05% 22.39%
United Bank Va 4, -0.05% 6.62%
JPMorgan Chase Bank 5, -0.04% 9.92%
Huntington National Bank 6, -0.01% 7.89%
Mortgage Solutions of Colorado 7, 0.11% 2.54%
Quicken Loans 8, 0.12% 9.16%
Union Home Mortgage Company 9, 0.13% 9.67%
Mid America Mortgage Inc 10, 0.21% 7.63%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Bayer Heritage Federal Credit Union 1, -0.18% 32.42%
WesBanco Bank, Inc 2, -0.00% 12.50%
United Bank Va 3, 0.01% 3.12%
Union Home Mortgage Company 4, 0.02% 3.52%
Truist Bank 5, 0.02% 7.42%
Huntington National Bank 6, 0.04% 10.16%
Mid America Mortgage Inc 7, 0.05% 1.17%
Mortgage Solutions of Colorado 8, 0.07% 1.17%
JPMorgan Chase Bank 9, 0.09% 7.42%
Quicken Loans 10, 0.21% 21.09%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
WesBanco Bank, Inc 1, -0.27% 16.88%
Huntington National Bank 2, -0.11% 6.93%
Quicken Loans 3, -0.06% 35.93%
Truist Bank 4, -0.01% 0.43%
United Bank Va 5, 0.01% 0.43%
Mid America Mortgage Inc 6, 0.06% 11.69%
Union Home Mortgage Company 7, 0.23% 13.85%
Mortgage Solutions of Colorado 8, 0.26% 13.85%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
WesBanco Bank, Inc 1, -0.31% 19.89%
Huntington National Bank 2, -0.14% 7.95%
Quicken Loans 3, -0.09% 23.86%
Truist Bank 4, -0.01% 0.57%
Mid America Mortgage Inc 5, 0.06% 13.64%
Union Home Mortgage Company 6, 0.22% 18.18%
Mortgage Solutions of Colorado 7, 0.28% 15.91%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.02% 74.55%
WesBanco Bank, Inc 2, 0.00% 7.27%
Mid America Mortgage Inc 3, 0.01% 5.45%
United Bank Va 4, 0.03% 1.82%
Huntington National Bank 5, 0.05% 3.64%
Mortgage Solutions of Colorado 6, 0.13% 7.27%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Huntington National Bank 1, -0.00% 66.67%
Truist Bank 2, 0.01% 33.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Truist Bank 1, 0.00% 100.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Huntington National Bank 1, 0.00% 100.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
WesBanco Bank, Inc 1, -0.10% 8.96%
Huntington National Bank 2, -0.08% 10.45%
Truist Bank 3, -0.06% 1.49%
Mid America Mortgage Inc 4, -0.05% 11.94%
Union Home Mortgage Company 5, -0.05% 8.96%
JPMorgan Chase Bank 6, -0.05% 2.99%
Quicken Loans 7, -0.02% 29.85%
Mortgage Solutions of Colorado 8, 0.14% 25.37%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
WesBanco Bank, Inc 1, -0.12% 8.89%
Huntington National Bank 2, -0.09% 15.56%
Truist Bank 3, -0.07% 2.22%
Mid America Mortgage Inc 4, -0.06% 17.78%
Union Home Mortgage Company 5, -0.06% 13.33%
JPMorgan Chase Bank 6, -0.06% 4.44%
Quicken Loans 7, -0.04% 8.89%
Mortgage Solutions of Colorado 8, 0.17% 28.89%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
WesBanco Bank, Inc 1, -0.04% 9.09%
Quicken Loans 2, -0.00% 72.73%
Mortgage Solutions of Colorado 3, 0.03% 18.18%

* Data is compiled for the Wheeling, WV commuting zone area, which comprises of counties of Belmont County, OH, Monroe County, OH, Marshall County, WV, Ohio County, WV, Tyler County, WV, and Wetzel County, WV. This includes cities/towns/communities of Wheeling, WV as well as Moundsville, WV, St. Clairsville, OH, Barnesville, OH, Glencoe, OH, Martins Ferry, OH, Benwood, WV, Clearview, WV, Bethlehem, WV, Paden City, WV, Neffs, OH, Shadyside, OH, New Martinsville, WV, Powhatan Point, OH, Lafferty, OH, Bridgeport, OH, Brookside, OH, Middlebourne, WV, Flushing, OH, Bellaire, OH, Cameron, WV, Sardis, OH, Bethesda, OH, Sistersville, WV, Hundred, WV, McMechen, WV, Beallsville, OH, West Liberty, WV, Woodsfield, OH, Antioch, OH, Triadelphia, WV, Pine Grove, WV, and Glen Dale, 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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