Top Mortgage Lenders in the Charleston, WV area

Which mortgage lender in the Charleston, 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 Charleston, 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 Charleston, WV area is Movement Mortgage, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.11%. This means that Movement Mortgage provided a -0.11% lower interest rate for its customers than other lenders in Charleston, WV for a similar set of borrowers. Movement Mortgage has a market share of 4.4%. On the other hand, the most popular lender in the market is Quicken Loans, with a market share of 15.5%. Quicken Loans is an average rate lender in this area, with a “Rate Difference” of +0.07% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Charleston, 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 Charleston, WV is Victorian Finance. 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 Fifth Third Bank, National Association. 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 Usaa Federal Savings Bank. 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
Movement Mortgage 1, -0.11% 4.38%
Huntington National Bank 2, -0.09% 6.52%
Usaa Federal Savings Bank 3, -0.08% 1.62%
Victorian Finance 4, -0.07% 10.11%
Wells Fargo Bank 5, -0.06% 5.30%
United Bank Va 6, -0.06% 2.76%
Truist Bank 7, -0.05% 6.74%
WesBanco Bank, Inc 8, -0.05% 1.49%
Fifth Third Bank, National Association 9, -0.04% 3.15%
JPMorgan Chase Bank 10, -0.03% 5.39%
Union Home Mortgage Company 11, -0.02% 1.36%
City National Bank of WV 12, 0.00% 3.98%
Gateway First Bank 13, 0.02% 7.01%
Carrington Mortgage Services 14, 0.07% 1.66%
Quicken Loans 15, 0.07% 15.54%
LoanDepot 16, 0.08% 12.78%
Primelending 17, 0.08% 10.20%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Huntington National Bank 1, -0.13% 6.19%
Movement Mortgage 2, -0.11% 6.12%
Usaa Federal Savings Bank 3, -0.08% 2.20%
United Bank Va 4, -0.07% 2.33%
Wells Fargo Bank 5, -0.07% 7.25%
Victorian Finance 6, -0.07% 13.37%
JPMorgan Chase Bank 7, -0.06% 3.79%
WesBanco Bank, Inc 8, -0.04% 1.33%
Fifth Third Bank, National Association 9, -0.03% 2.13%
City National Bank of WV 10, -0.03% 1.40%
Truist Bank 11, -0.02% 5.85%
Union Home Mortgage Company 12, -0.02% 1.73%
Gateway First Bank 13, 0.02% 8.25%
Quicken Loans 14, 0.06% 7.78%
Carrington Mortgage Services 15, 0.09% 1.73%
Primelending 16, 0.10% 13.77%
LoanDepot 17, 0.11% 14.77%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Truist Bank 1, -0.09% 8.45%
WesBanco Bank, Inc 2, -0.07% 1.79%
Victorian Finance 3, -0.06% 3.84%
United Bank Va 4, -0.05% 3.59%
Fifth Third Bank, National Association 5, -0.05% 5.12%
Movement Mortgage 6, -0.04% 1.02%
Primelending 7, -0.04% 3.33%
Huntington National Bank 8, -0.03% 7.17%
Union Home Mortgage Company 9, -0.03% 0.64%
Usaa Federal Savings Bank 10, -0.03% 0.51%
LoanDepot 11, -0.02% 8.96%
JPMorgan Chase Bank 12, -0.01% 8.45%
Wells Fargo Bank 13, -0.01% 1.54%
Gateway First Bank 14, 0.00% 4.61%
City National Bank of WV 15, 0.01% 8.96%
Carrington Mortgage Services 16, 0.03% 1.54%
Quicken Loans 17, 0.07% 30.47%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Victorian Finance 1, -0.11% 8.55%
Wells Fargo Bank 2, -0.07% 7.92%
United Bank Va 3, -0.06% 3.92%
Truist Bank 4, -0.05% 10.02%
WesBanco Bank, Inc 5, -0.05% 2.10%
Huntington National Bank 6, -0.04% 7.08%
Fifth Third Bank, National Association 7, -0.04% 4.48%
JPMorgan Chase Bank 8, -0.03% 8.34%
Movement Mortgage 9, -0.03% 2.31%
Carrington Mortgage Services 10, -0.02% 0.35%
Usaa Federal Savings Bank 11, -0.02% 0.98%
Gateway First Bank 12, -0.00% 5.19%
City National Bank of WV 13, 0.01% 6.38%
Union Home Mortgage Company 14, 0.01% 0.91%
LoanDepot 15, 0.04% 8.55%
Primelending 16, 0.04% 9.53%
Quicken Loans 17, 0.18% 13.38%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Victorian Finance 1, -0.10% 12.19%
Wells Fargo Bank 2, -0.06% 12.07%
United Bank Va 3, -0.06% 3.58%
JPMorgan Chase Bank 4, -0.06% 6.45%
Huntington National Bank 5, -0.05% 6.09%
WesBanco Bank, Inc 6, -0.03% 2.03%
Carrington Mortgage Services 7, -0.02% 0.24%
Fifth Third Bank, National Association 8, -0.02% 3.35%
Movement Mortgage 9, -0.02% 3.23%
City National Bank of WV 10, -0.02% 2.51%
Truist Bank 11, -0.01% 9.32%
Usaa Federal Savings Bank 12, -0.01% 1.67%
Gateway First Bank 13, 0.01% 5.50%
Union Home Mortgage Company 14, 0.03% 1.19%
Primelending 15, 0.07% 13.86%
LoanDepot 16, 0.10% 9.68%
Quicken Loans 17, 0.18% 7.05%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Truist Bank 1, -0.10% 11.02%
Victorian Finance 2, -0.09% 3.39%
WesBanco Bank, Inc 3, -0.08% 2.20%
LoanDepot 4, -0.07% 6.95%
United Bank Va 5, -0.07% 4.41%
Primelending 6, -0.06% 3.39%
Fifth Third Bank, National Association 7, -0.06% 6.10%
Movement Mortgage 8, -0.05% 1.02%
Union Home Mortgage Company 9, -0.05% 0.51%
Huntington National Bank 10, -0.04% 8.47%
Carrington Mortgage Services 11, -0.03% 0.51%
JPMorgan Chase Bank 12, -0.02% 11.02%
Wells Fargo Bank 13, -0.02% 2.03%
Gateway First Bank 14, -0.01% 4.75%
City National Bank of WV 15, -0.00% 11.86%
Quicken Loans 16, 0.16% 22.37%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Huntington National Bank 1, -0.24% 6.29%
Movement Mortgage 2, -0.17% 8.61%
Quicken Loans 3, -0.09% 21.52%
Union Home Mortgage Company 4, -0.06% 1.82%
United Bank Va 5, -0.06% 0.83%
WesBanco Bank, Inc 6, -0.03% 0.66%
Truist Bank 7, -0.03% 0.83%
Victorian Finance 8, -0.03% 12.91%
Fifth Third Bank, National Association 9, -0.02% 0.83%
JPMorgan Chase Bank 10, 0.01% 0.17%
Wells Fargo Bank 11, 0.05% 0.50%
Gateway First Bank 12, 0.05% 11.42%
Carrington Mortgage Services 13, 0.09% 4.97%
LoanDepot 14, 0.14% 18.54%
Primelending 15, 0.18% 10.10%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Huntington National Bank 1, -0.28% 6.90%
Movement Mortgage 2, -0.19% 10.88%
Union Home Mortgage Company 3, -0.09% 1.88%
United Bank Va 4, -0.08% 0.84%
Quicken Loans 5, -0.07% 10.46%
WesBanco Bank, Inc 6, -0.06% 0.63%
Truist Bank 7, -0.05% 1.05%
Victorian Finance 8, -0.04% 15.06%
Fifth Third Bank, National Association 9, -0.04% 0.63%
JPMorgan Chase Bank 10, -0.01% 0.21%
Wells Fargo Bank 11, 0.03% 0.63%
Gateway First Bank 12, 0.03% 13.60%
Carrington Mortgage Services 13, 0.09% 4.60%
LoanDepot 14, 0.13% 20.50%
Primelending 15, 0.17% 12.13%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.05% 63.49%
United Bank Va 2, 0.03% 0.79%
Huntington National Bank 3, 0.04% 3.97%
Victorian Finance 4, 0.04% 4.76%
Fifth Third Bank, National Association 5, 0.04% 1.59%
Union Home Mortgage Company 6, 0.04% 1.59%
WesBanco Bank, Inc 7, 0.05% 0.79%
Primelending 8, 0.10% 2.38%
Carrington Mortgage Services 9, 0.11% 6.35%
Gateway First Bank 10, 0.11% 3.17%
LoanDepot 11, 0.13% 11.11%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Fifth Third Bank, National Association 1, -0.00% 11.11%
JPMorgan Chase Bank 2, -0.00% 22.22%
Truist Bank 3, -0.00% 33.33%
Quicken Loans 4, 0.01% 33.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
JPMorgan Chase Bank 1, -0.00% 25.00%
Fifth Third Bank, National Association 2, -0.00% 25.00%
Truist Bank 3, 0.00% 50.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Truist Bank 1, -0.01% 20.00%
JPMorgan Chase Bank 2, -0.00% 20.00%
Quicken Loans 3, 0.00% 60.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Usaa Federal Savings Bank 1, -0.13% 9.43%
Movement Mortgage 2, -0.07% 6.15%
Huntington National Bank 3, -0.05% 4.10%
Wells Fargo Bank 4, -0.04% 2.05%
United Bank Va 5, -0.04% 0.82%
Truist Bank 6, -0.04% 1.23%
Fifth Third Bank, National Association 7, -0.03% 0.82%
Victorian Finance 8, -0.03% 12.70%
Gateway First Bank 9, -0.03% 6.97%
Union Home Mortgage Company 10, -0.02% 2.87%
JPMorgan Chase Bank 11, -0.02% 0.41%
Carrington Mortgage Services 12, 0.00% 1.23%
Primelending 13, 0.04% 14.75%
LoanDepot 14, 0.05% 23.77%
Quicken Loans 15, 0.06% 12.70%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Usaa Federal Savings Bank 1, -0.15% 10.33%
Movement Mortgage 2, -0.07% 7.07%
Huntington National Bank 3, -0.04% 4.89%
Wells Fargo Bank 4, -0.04% 2.72%
United Bank Va 5, -0.04% 0.54%
Truist Bank 6, -0.03% 1.63%
Gateway First Bank 7, -0.03% 7.07%
Victorian Finance 8, -0.02% 14.67%
Union Home Mortgage Company 9, -0.02% 3.80%
JPMorgan Chase Bank 10, -0.01% 0.54%
Quicken Loans 11, 0.01% 4.35%
Carrington Mortgage Services 12, 0.03% 1.09%
Primelending 13, 0.06% 17.93%
LoanDepot 14, 0.09% 23.37%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Usaa Federal Savings Bank 1, -0.06% 6.67%
Movement Mortgage 2, -0.06% 3.33%
Huntington National Bank 3, -0.06% 1.67%
United Bank Va 4, -0.05% 1.67%
Victorian Finance 5, -0.05% 6.67%
Carrington Mortgage Services 6, -0.05% 1.67%
Fifth Third Bank, National Association 7, -0.05% 3.33%
LoanDepot 8, -0.05% 25.00%
Primelending 9, -0.04% 5.00%
Gateway First Bank 10, -0.01% 6.67%
Quicken Loans 11, 0.07% 38.33%

* Data is compiled for the Charleston, WV commuting zone area, which comprises of counties of Boone County, WV, Calhoun County, WV, Clay County, WV, Jackson County, WV, Kanawha County, WV, Lincoln County, WV, Putnam County, WV, and Roane County, WV. This includes cities/towns/communities of Charleston, WV as well as Teays Valley, WV, Hurricane, WV, St. Albans, WV, Cross Lanes, WV, South Charleston, WV, Winfield, WV, Sissonville, WV, Dunbar, WV, Ripley, WV, Eleanor, WV, Marmet, WV, Big Chimney, WV, Nitro, WV, Pinch, WV, Nitro, WV, Upper Falls, WV, Hometown, WV, Alum Creek, WV, Ravenswood, WV, Madison, WV, Rand, WV, Danville, WV, West Hamlin, WV, Coal Fork, WV, Cedar Grove, WV, Elkview, WV, Chesapeake, WV, East Bank, WV, Hamlin, WV, Clendenin, WV, Greenview, WV, Harts, WV, Spencer, WV, Whitesville, WV, Comfort, WV, Clay, WV, Grantsville, WV, Van, WV, and Reedy, 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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