Which mortgage lender in the Charleston, 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 Charleston, 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 Charleston, WV area in terms of interest rate is Movement Mortgage, with an average “Rate Difference” of -0.11%. This means that, comparing similar borrowers, Movement Mortgage provided a -0.11% lower interest rate for its customers than other lenders in the area. Movement Mortgage has a market share of 4.4%. On the other hand, the most popular lender in the Charleston, WV area is Quicken Loans, with a larger market share of 15.4%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.07% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in 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, going by historical data, the cheapest lender for Conventional mortgages in Charleston, WV is Victorian Finance, LLC. 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 Fifth Third 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 USAA. 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 Charleston, WV
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Movement Mortgage | -0.11% | 4.39% | |
| Huntington National Bank | -0.09% | 6.54% | |
| USAA | -0.08% | 1.62% | |
| Victorian Finance, LLC | -0.07% | 10.13% | |
| Wells Fargo Bank | -0.06% | 5.31% | |
| United Bank | -0.06% | 2.76% | |
| WesBanco | -0.05% | 1.49% | |
| Truist Bank | -0.05% | 6.75% | |
| Fifth Third Bank | -0.04% | 3.16% | |
| JPMorgan Chase Bank | -0.03% | 5.39% | |
| Union Home Mortgage | -0.02% | 1.36% | |
| City National Bank of WV | 0.00% | 3.99% | |
| Gateway First Bank | 0.02% | 7.02% | |
| Quicken Loans | 0.07% | 15.39% | |
| Carrington Mortgage Services | 0.07% | 1.67% | |
| loanDepot | 0.08% | 12.81% | |
| PrimeLending | 0.08% | 10.22% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Huntington National Bank | -0.13% | 6.19% | |
| Movement Mortgage | -0.11% | 6.12% | |
| USAA | -0.08% | 2.20% | |
| United Bank | -0.07% | 2.33% | |
| Wells Fargo Bank | -0.07% | 7.25% | |
| Victorian Finance, LLC | -0.07% | 13.37% | |
| JPMorgan Chase Bank | -0.06% | 3.79% | |
| WesBanco | -0.04% | 1.33% | |
| Fifth Third Bank | -0.03% | 2.13% | |
| City National Bank of WV | -0.03% | 1.40% | |
| Truist Bank | -0.02% | 5.85% | |
| Union Home Mortgage | -0.02% | 1.73% | |
| Gateway First Bank | 0.02% | 8.25% | |
| Quicken Loans | 0.06% | 7.78% | |
| Carrington Mortgage Services | 0.09% | 1.73% | |
| PrimeLending | 0.10% | 13.77% | |
| loanDepot | 0.11% | 14.77% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Truist Bank | -0.08% | 8.49% | |
| WesBanco | -0.06% | 1.80% | |
| Victorian Finance, LLC | -0.06% | 3.86% | |
| United Bank | -0.05% | 3.60% | |
| Fifth Third Bank | -0.05% | 5.15% | |
| Movement Mortgage | -0.04% | 1.03% | |
| PrimeLending | -0.04% | 3.35% | |
| Huntington National Bank | -0.03% | 7.21% | |
| Union Home Mortgage | -0.03% | 0.64% | |
| USAA | -0.03% | 0.51% | |
| loanDepot | -0.02% | 9.01% | |
| Wells Fargo Bank | -0.01% | 1.54% | |
| JPMorgan Chase Bank | -0.01% | 8.49% | |
| Gateway First Bank | 0.01% | 4.63% | |
| City National Bank of WV | 0.01% | 9.01% | |
| Carrington Mortgage Services | 0.03% | 1.54% | |
| Quicken Loans | 0.07% | 30.12% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Victorian Finance, LLC | -0.11% | 8.57% | |
| Wells Fargo Bank | -0.07% | 7.94% | |
| United Bank | -0.06% | 3.93% | |
| Truist Bank | -0.05% | 10.04% | |
| WesBanco | -0.05% | 2.11% | |
| Huntington National Bank | -0.04% | 7.09% | |
| Fifth Third Bank | -0.04% | 4.49% | |
| JPMorgan Chase Bank | -0.03% | 8.36% | |
| Movement Mortgage | -0.03% | 2.32% | |
| Carrington Mortgage Services | -0.02% | 0.35% | |
| USAA | -0.02% | 0.98% | |
| Gateway First Bank | -0.00% | 5.20% | |
| City National Bank of WV | 0.01% | 6.39% | |
| Union Home Mortgage | 0.01% | 0.91% | |
| loanDepot | 0.04% | 8.57% | |
| PrimeLending | 0.04% | 9.55% | |
| Quicken Loans | 0.17% | 13.20% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Victorian Finance, LLC | -0.10% | 12.19% | |
| Wells Fargo Bank | -0.06% | 12.07% | |
| United Bank | -0.06% | 3.58% | |
| JPMorgan Chase Bank | -0.06% | 6.45% | |
| Huntington National Bank | -0.05% | 6.09% | |
| WesBanco | -0.03% | 2.03% | |
| Carrington Mortgage Services | -0.02% | 0.24% | |
| Fifth Third Bank | -0.02% | 3.35% | |
| Movement Mortgage | -0.02% | 3.23% | |
| City National Bank of WV | -0.02% | 2.51% | |
| Truist Bank | -0.01% | 9.32% | |
| USAA | -0.01% | 1.67% | |
| Gateway First Bank | 0.01% | 5.50% | |
| Union Home Mortgage | 0.03% | 1.19% | |
| PrimeLending | 0.07% | 13.86% | |
| loanDepot | 0.10% | 9.68% | |
| Quicken Loans | 0.18% | 7.05% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Truist Bank | -0.09% | 11.07% | |
| Victorian Finance, LLC | -0.09% | 3.41% | |
| WesBanco | -0.08% | 2.21% | |
| loanDepot | -0.07% | 6.98% | |
| United Bank | -0.06% | 4.43% | |
| PrimeLending | -0.06% | 3.41% | |
| Fifth Third Bank | -0.06% | 6.13% | |
| Movement Mortgage | -0.05% | 1.02% | |
| Union Home Mortgage | -0.05% | 0.51% | |
| Huntington National Bank | -0.04% | 8.52% | |
| Carrington Mortgage Services | -0.03% | 0.51% | |
| Wells Fargo Bank | -0.02% | 2.04% | |
| JPMorgan Chase Bank | -0.01% | 11.07% | |
| Gateway First Bank | -0.01% | 4.77% | |
| City National Bank of WV | 0.00% | 11.93% | |
| Quicken Loans | 0.16% | 21.98% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Huntington National Bank | -0.24% | 6.29% | |
| Movement Mortgage | -0.17% | 8.61% | |
| Quicken Loans | -0.09% | 21.52% | |
| Union Home Mortgage | -0.06% | 1.82% | |
| United Bank | -0.06% | 0.83% | |
| WesBanco | -0.03% | 0.66% | |
| Truist Bank | -0.03% | 0.83% | |
| Victorian Finance, LLC | -0.03% | 12.91% | |
| Fifth Third Bank | -0.02% | 0.83% | |
| JPMorgan Chase Bank | 0.01% | 0.17% | |
| Wells Fargo Bank | 0.05% | 0.50% | |
| Gateway First Bank | 0.05% | 11.42% | |
| Carrington Mortgage Services | 0.09% | 4.97% | |
| loanDepot | 0.14% | 18.54% | |
| PrimeLending | 0.18% | 10.10% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Huntington National Bank | -0.28% | 6.90% | |
| Movement Mortgage | -0.19% | 10.88% | |
| Union Home Mortgage | -0.09% | 1.88% | |
| United Bank | -0.08% | 0.84% | |
| Quicken Loans | -0.07% | 10.46% | |
| WesBanco | -0.06% | 0.63% | |
| Truist Bank | -0.05% | 1.05% | |
| Victorian Finance, LLC | -0.04% | 15.06% | |
| Fifth Third Bank | -0.04% | 0.63% | |
| JPMorgan Chase Bank | -0.01% | 0.21% | |
| Wells Fargo Bank | 0.03% | 0.63% | |
| Gateway First Bank | 0.03% | 13.60% | |
| Carrington Mortgage Services | 0.09% | 4.60% | |
| loanDepot | 0.13% | 20.50% | |
| PrimeLending | 0.17% | 12.13% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Quicken Loans | -0.05% | 63.49% | |
| United Bank | 0.03% | 0.79% | |
| Huntington National Bank | 0.04% | 3.97% | |
| Victorian Finance, LLC | 0.04% | 4.76% | |
| Fifth Third Bank | 0.04% | 1.59% | |
| Union Home Mortgage | 0.04% | 1.59% | |
| WesBanco | 0.05% | 0.79% | |
| PrimeLending | 0.10% | 2.38% | |
| Carrington Mortgage Services | 0.11% | 6.35% | |
| Gateway First Bank | 0.11% | 3.17% | |
| loanDepot | 0.13% | 11.11% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Fifth Third Bank | -0.00% | 12.50% | |
| JPMorgan Chase Bank | -0.00% | 25.00% | |
| Truist Bank | -0.00% | 37.50% | |
| Quicken Loans | 0.01% | 25.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| JPMorgan Chase Bank | -0.00% | 25.00% | |
| Fifth Third Bank | -0.00% | 25.00% | |
| Truist Bank | 0.00% | 50.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Truist Bank | -0.01% | 25.00% | |
| JPMorgan Chase Bank | -0.00% | 25.00% | |
| Quicken Loans | 0.00% | 50.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| USAA | -0.13% | 9.43% | |
| Movement Mortgage | -0.07% | 6.15% | |
| Huntington National Bank | -0.05% | 4.10% | |
| Wells Fargo Bank | -0.04% | 2.05% | |
| United Bank | -0.04% | 0.82% | |
| Truist Bank | -0.04% | 1.23% | |
| Fifth Third Bank | -0.03% | 0.82% | |
| Victorian Finance, LLC | -0.03% | 12.70% | |
| Gateway First Bank | -0.03% | 6.97% | |
| Union Home Mortgage | -0.02% | 2.87% | |
| JPMorgan Chase Bank | -0.02% | 0.41% | |
| Carrington Mortgage Services | 0.00% | 1.23% | |
| PrimeLending | 0.04% | 14.75% | |
| loanDepot | 0.05% | 23.77% | |
| Quicken Loans | 0.06% | 12.70% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| USAA | -0.15% | 10.33% | |
| Movement Mortgage | -0.07% | 7.07% | |
| Huntington National Bank | -0.04% | 4.89% | |
| Wells Fargo Bank | -0.04% | 2.72% | |
| United Bank | -0.04% | 0.54% | |
| Truist Bank | -0.03% | 1.63% | |
| Gateway First Bank | -0.03% | 7.07% | |
| Victorian Finance, LLC | -0.02% | 14.67% | |
| Union Home Mortgage | -0.02% | 3.80% | |
| JPMorgan Chase Bank | -0.01% | 0.54% | |
| Quicken Loans | 0.01% | 4.35% | |
| Carrington Mortgage Services | 0.03% | 1.09% | |
| PrimeLending | 0.06% | 17.93% | |
| loanDepot | 0.09% | 23.37% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| USAA | -0.06% | 6.67% | |
| Movement Mortgage | -0.06% | 3.33% | |
| Huntington National Bank | -0.06% | 1.67% | |
| United Bank | -0.05% | 1.67% | |
| Victorian Finance, LLC | -0.05% | 6.67% | |
| Carrington Mortgage Services | -0.05% | 1.67% | |
| Fifth Third Bank | -0.05% | 3.33% | |
| loanDepot | -0.05% | 25.00% | |
| PrimeLending | -0.04% | 5.00% | |
| Gateway First Bank | -0.01% | 6.67% | |
| Quicken Loans | 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 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
This page contains information about the top mortgage lenders in the Charleston, WV area. For mortgage lender rankings in other cities, click here.