Which mortgage lender in the Morgantown, WV area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Morgantown, WV area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.
Going by historical data, the best mortgage lender in the Morgantown, WV area in terms of interest rate is Federal Savings and Loan Association of Greene County, with an average “Rate Difference” of -0.21%. This means that, comparing similar borrowers, Federal Savings and Loan Association of Greene County provided a -0.21% lower interest rate for its customers than other lenders in the area. Federal Savings and Loan Association of Greene County has a market share of 8.0%. On the other hand, the most popular lender in the Morgantown, WV area is Quicken Loans, with a larger market share of 15.4%. However, Quicken Loans also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.17% compared to those of other lenders. We recommend shopping around before going with this popular lender.
Our detailed ranking of mortgage lenders in 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, going by historical data, the cheapest lender for Conventional mortgages in Morgantown, WV is Federal Savings and Loan Association of Greene County. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), 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. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.
Ranking of Mortgage Lenders in Morgantown, WV
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Federal Savings and Loan Association of Greene County | -0.21% | 8.02% | |
| Clear Mountain Bank | -0.11% | 10.59% | |
| Huntington National Bank | -0.06% | 14.77% | |
| Home Point Financial Corporation | -0.05% | 4.03% | |
| United Bank | -0.03% | 3.11% | |
| Truist Bank | -0.03% | 9.48% | |
| Navy Federal Credit Union | 0.00% | 1.85% | |
| WesBanco | 0.01% | 10.30% | |
| Wells Fargo Bank | 0.01% | 2.04% | |
| USAA | 0.01% | 3.01% | |
| JPMorgan Chase Bank | 0.03% | 2.72% | |
| PNC Bank | 0.04% | 6.03% | |
| Movement Mortgage | 0.07% | 2.33% | |
| loanDepot | 0.07% | 2.53% | |
| Quicken Loans | 0.17% | 15.40% | |
| Sierra Pacific Mortgage | 0.23% | 3.79% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Federal Savings and Loan Association of Greene County | -0.14% | 6.47% | |
| Clear Mountain Bank | -0.10% | 8.46% | |
| Huntington National Bank | -0.09% | 15.77% | |
| Home Point Financial Corporation | -0.05% | 5.81% | |
| United Bank | -0.02% | 3.49% | |
| Wells Fargo Bank | 0.00% | 2.49% | |
| Navy Federal Credit Union | 0.01% | 2.57% | |
| WesBanco | 0.01% | 14.02% | |
| Truist Bank | 0.02% | 8.30% | |
| USAA | 0.02% | 4.15% | |
| PNC Bank | 0.03% | 7.30% | |
| JPMorgan Chase Bank | 0.05% | 2.82% | |
| Movement Mortgage | 0.07% | 3.90% | |
| loanDepot | 0.09% | 0.58% | |
| Quicken Loans | 0.13% | 7.72% | |
| Sierra Pacific Mortgage | 0.25% | 6.14% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Federal Savings and Loan Association of Greene County | -0.27% | 10.20% | |
| Clear Mountain Bank | -0.13% | 13.60% | |
| Truist Bank | -0.08% | 11.14% | |
| United Bank | -0.05% | 2.58% | |
| Home Point Financial Corporation | -0.03% | 1.52% | |
| Navy Federal Credit Union | 0.00% | 0.82% | |
| Huntington National Bank | 0.00% | 13.36% | |
| USAA | 0.01% | 1.41% | |
| WesBanco | 0.01% | 5.04% | |
| JPMorgan Chase Bank | 0.01% | 2.58% | |
| Movement Mortgage | 0.02% | 0.12% | |
| Wells Fargo Bank | 0.03% | 1.41% | |
| Sierra Pacific Mortgage | 0.05% | 0.47% | |
| loanDepot | 0.06% | 5.28% | |
| PNC Bank | 0.08% | 4.22% | |
| Quicken Loans | 0.18% | 26.26% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Federal Savings and Loan Association of Greene County | -0.22% | 11.06% | |
| Clear Mountain Bank | -0.12% | 14.77% | |
| Truist Bank | -0.04% | 12.09% | |
| United Bank | -0.04% | 3.98% | |
| Home Point Financial Corporation | -0.03% | 1.72% | |
| Huntington National Bank | -0.01% | 13.05% | |
| Wells Fargo Bank | 0.01% | 2.54% | |
| JPMorgan Chase Bank | 0.03% | 3.64% | |
| WesBanco | 0.04% | 9.82% | |
| PNC Bank | 0.05% | 6.87% | |
| Movement Mortgage | 0.07% | 1.24% | |
| loanDepot | 0.08% | 1.79% | |
| USAA | 0.09% | 1.51% | |
| Navy Federal Credit Union | 0.13% | 0.89% | |
| Sierra Pacific Mortgage | 0.21% | 2.13% | |
| Quicken Loans | 0.24% | 12.91% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Federal Savings and Loan Association of Greene County | -0.15% | 9.87% | |
| Clear Mountain Bank | -0.11% | 12.99% | |
| Huntington National Bank | -0.04% | 12.99% | |
| United Bank | -0.03% | 4.81% | |
| Home Point Financial Corporation | -0.02% | 2.08% | |
| Wells Fargo Bank | -0.01% | 3.38% | |
| Truist Bank | 0.01% | 11.17% | |
| loanDepot | 0.02% | 0.26% | |
| PNC Bank | 0.03% | 8.96% | |
| JPMorgan Chase Bank | 0.04% | 4.16% | |
| WesBanco | 0.04% | 13.38% | |
| Movement Mortgage | 0.07% | 2.21% | |
| USAA | 0.10% | 2.60% | |
| Navy Federal Credit Union | 0.14% | 1.43% | |
| Quicken Loans | 0.19% | 6.10% | |
| Sierra Pacific Mortgage | 0.22% | 3.64% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Federal Savings and Loan Association of Greene County | -0.28% | 12.39% | |
| Clear Mountain Bank | -0.12% | 16.76% | |
| Truist Bank | -0.08% | 13.12% | |
| United Bank | -0.04% | 3.06% | |
| Home Point Financial Corporation | -0.04% | 1.31% | |
| WesBanco | 0.01% | 5.83% | |
| JPMorgan Chase Bank | 0.02% | 3.06% | |
| Movement Mortgage | 0.02% | 0.15% | |
| Huntington National Bank | 0.02% | 13.12% | |
| USAA | 0.04% | 0.29% | |
| Wells Fargo Bank | 0.04% | 1.60% | |
| Navy Federal Credit Union | 0.05% | 0.29% | |
| Sierra Pacific Mortgage | 0.06% | 0.44% | |
| loanDepot | 0.09% | 3.50% | |
| PNC Bank | 0.10% | 4.52% | |
| Quicken Loans | 0.26% | 20.55% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Huntington National Bank | -0.16% | 24.79% | |
| Home Point Financial Corporation | -0.08% | 12.12% | |
| WesBanco | -0.05% | 11.85% | |
| PNC Bank | -0.00% | 3.86% | |
| United Bank | 0.02% | 0.55% | |
| Navy Federal Credit Union | 0.03% | 0.28% | |
| Truist Bank | 0.04% | 0.83% | |
| Quicken Loans | 0.07% | 26.45% | |
| loanDepot | 0.07% | 3.03% | |
| Movement Mortgage | 0.08% | 7.16% | |
| Sierra Pacific Mortgage | 0.31% | 9.09% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Huntington National Bank | -0.17% | 27.24% | |
| Home Point Financial Corporation | -0.07% | 15.05% | |
| WesBanco | -0.04% | 15.05% | |
| PNC Bank | 0.00% | 4.30% | |
| United Bank | 0.03% | 0.72% | |
| Navy Federal Credit Union | 0.05% | 0.36% | |
| Truist Bank | 0.05% | 1.08% | |
| Quicken Loans | 0.09% | 13.62% | |
| Movement Mortgage | 0.09% | 9.32% | |
| loanDepot | 0.14% | 1.79% | |
| Sierra Pacific Mortgage | 0.33% | 11.47% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Huntington National Bank | -0.10% | 16.67% | |
| PNC Bank | -0.02% | 2.38% | |
| Home Point Financial Corporation | -0.02% | 2.38% | |
| loanDepot | -0.01% | 7.14% | |
| WesBanco | -0.00% | 1.19% | |
| Sierra Pacific Mortgage | 0.00% | 1.19% | |
| Quicken Loans | 0.03% | 69.05% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.01% | 7.41% | |
| Truist Bank | -0.00% | 25.93% | |
| USAA | -0.00% | 3.70% | |
| Federal Savings and Loan Association of Greene County | -0.00% | 7.41% | |
| PNC Bank | 0.00% | 18.52% | |
| Clear Mountain Bank | 0.00% | 3.70% | |
| Huntington National Bank | 0.00% | 22.22% | |
| JPMorgan Chase Bank | 0.01% | 3.70% | |
| United Bank | 0.01% | 7.41% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.01% | 12.50% | |
| Truist Bank | -0.00% | 31.25% | |
| USAA | 0.00% | 6.25% | |
| Huntington National Bank | 0.00% | 18.75% | |
| PNC Bank | 0.00% | 18.75% | |
| United Bank | 0.01% | 6.25% | |
| JPMorgan Chase Bank | 0.01% | 6.25% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Federal Savings and Loan Association of Greene County | -0.01% | 18.18% | |
| PNC Bank | -0.00% | 18.18% | |
| Clear Mountain Bank | -0.00% | 9.09% | |
| Truist Bank | -0.00% | 18.18% | |
| Huntington National Bank | 0.01% | 27.27% | |
| United Bank | 0.01% | 9.09% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Navy Federal Credit Union | -0.08% | 11.32% | |
| WesBanco | -0.06% | 12.26% | |
| USAA | -0.05% | 18.40% | |
| United Bank | -0.01% | 0.94% | |
| Huntington National Bank | 0.00% | 8.49% | |
| Wells Fargo Bank | 0.00% | 1.42% | |
| Federal Savings and Loan Association of Greene County | 0.00% | 0.94% | |
| PNC Bank | 0.01% | 2.36% | |
| Clear Mountain Bank | 0.01% | 0.94% | |
| Truist Bank | 0.02% | 4.25% | |
| JPMorgan Chase Bank | 0.02% | 0.94% | |
| Home Point Financial Corporation | 0.03% | 6.60% | |
| Movement Mortgage | 0.04% | 1.89% | |
| loanDepot | 0.04% | 7.08% | |
| Quicken Loans | 0.05% | 15.57% | |
| Sierra Pacific Mortgage | 0.15% | 6.60% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Navy Federal Credit Union | -0.08% | 13.57% | |
| WesBanco | -0.06% | 17.14% | |
| USAA | -0.05% | 20.71% | |
| United Bank | 0.01% | 1.43% | |
| Wells Fargo Bank | 0.01% | 1.43% | |
| Federal Savings and Loan Association of Greene County | 0.02% | 1.43% | |
| PNC Bank | 0.02% | 2.86% | |
| Truist Bank | 0.02% | 4.29% | |
| Huntington National Bank | 0.02% | 7.86% | |
| Clear Mountain Bank | 0.03% | 1.43% | |
| JPMorgan Chase Bank | 0.04% | 0.71% | |
| Quicken Loans | 0.04% | 5.71% | |
| Home Point Financial Corporation | 0.05% | 8.57% | |
| Movement Mortgage | 0.06% | 2.86% | |
| Sierra Pacific Mortgage | 0.16% | 10.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Navy Federal Credit Union | -0.05% | 6.94% | |
| Huntington National Bank | -0.04% | 9.72% | |
| USAA | -0.03% | 13.89% | |
| Home Point Financial Corporation | -0.03% | 2.78% | |
| WesBanco | -0.02% | 2.78% | |
| JPMorgan Chase Bank | -0.01% | 1.39% | |
| Wells Fargo Bank | -0.01% | 1.39% | |
| PNC Bank | -0.01% | 1.39% | |
| Truist Bank | -0.00% | 4.17% | |
| loanDepot | 0.02% | 20.83% | |
| Quicken Loans | 0.03% | 34.72% |
* 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 of the data is 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 conditional on the commuting zone, 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.
Mortgage Lender Rankings in Other Cities
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