West Virginia · Q1 2026
What West Virginia borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 339 lenders.
Published 2026-04-29.
West Virginia · headline
The gap between West Virginia's lowest- and highest-cost ranked lenders in 2025 was $6,974 on a typical loan — borrowers using Integrity Home Mortgage Corporation paid roughly 256% more than borrowers using Navy Federal Credit Union on similar loans.
Source: FFIEC HMDA 2025 (n=19,875)
In 2025, 339 mortgage lenders originated 19,875 reportable loans in West Virginia according to FFIEC HMDA data. The median borrower paid $5,364 in total loan costs. That is 26.4% above the national median across all 50 states and DC.
West Virginia's median total loan cost was $5,364, 26.4% above the national median of $4,242. On a typical loan, that translates to roughly $1,122 more than borrowers paid in the average state.
Navy Federal Credit Union posted the lowest median total loan costs at $2,725, 49.2% below the West Virginia median. Across the ranked lenders, 6 earned an A grade against peer averages and 4 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in West Virginia are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | $5,498 | $3,169 | 2,471 | B |
| 2 | loanDepot.com, LLC | $5,647 | $1,785 | 1,008 | B |
| 3 | Mortgage Research Center, LLC | $3,792 | $2,392 | 771 | A |
| 4 | Movement Mortgage | $6,065 | $2,318 | 739 | C |
| 5 | The Huntington National Bank | $4,457 | $1,395 | 700 | A |
| 6 | CrossCountry Mortgage | $7,776 | $3,552 | 664 | F |
| 7 | United Wholesale Mortgage | $7,165 | $3,195 | 647 | D |
| 8 | WesBanco Bank, Inc. | $4,320 | $2,065 | 521 | A |
| 9 | Integrity Home Mortgage Corporation | $9,698 | $4,272 | 469 | F |
| 10 | Truist Bank | $4,327 | $1,527 | 434 | A |
West Virginia median total loan cost
West Virginia borrowers paid a median $5,364 in total loan costs in 2025, based on 19,875 HMDA-reported loans across 339 lenders.
FFIEC HMDA 2025
Lender spread in West Virginia
In West Virginia, the gap between Navy Federal Credit Union ($2,725 median) and Integrity Home Mortgage Corporation ($9,698 median) was $6,974 on a typical 2025 loan.
FFIEC HMDA 2025
West Virginia vs. national
West Virginia closing costs ran 26.4% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in West Virginia was $2,125, with the typical lender clustering tightly around that figure. Discount points appeared on 64% of loans, with a median paid amount of $1,980 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 32% of loans, with a median credit of $300.
Avg $2,923
Median $1,980 when present
Median $300 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in West Virginia) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for West Virginia
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