What people paid for mortgages in Kanawha County, WV (2025)

Across 1,351 closed home-purchase loans in 2025, the median interest rate in Kanawha was 6.5%, and the middle half of borrowers got between 6.15% and 6.875%. Median total loan costs ran $5,091 on a median loan of $165,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.5%
Middle half of rates: 6.15%–6.875%
Median total loan costs: $5,091
Median loan amount: $165,000

1,351 loans, 2025.

Refinance

Median rate: 6.375%
Middle half of rates: 5.99%–6.99%
Median total loan costs: $4,562
Median loan amount: $135,000

554 loans, 2025.

Lowest median rates in Kanawha (2025)

The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.

Home purchase

1.City National Bank of West Virginia6.15%105 loans, median costs $2,217
2.WesBanco Bank, Inc.6.25%53 loans, median costs $4,322
3.Loandepot.Com, LLC6.43%130 loans, median costs $5,982
4.PRIMELENDING, A PLAINSCAPITAL COMPANY6.43%59 loans, median costs $5,903
5.Mortgage Research Center, LLC6.5%54 loans, median costs $3,584

Among lenders with at least 30 closed purchase loans in Kanawha County in 2025.

Refinance

1.City National Bank of West Virginia6.45%59 loans, median costs $200
2.Rocket Mortgage, LLC6.49%114 loans, median costs $5,984
3.Truist Bank7.65%35 loans, median costs $3,221
4.The Huntington National Bank7.862%36 loans, median costs $3,708

Among lenders with at least 30 closed refinance loans in Kanawha County in 2025.

Lender by lender in Kanawha

Every lender that closed at least 5 qualifying loans in Kanawha County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.

#	Lender	Loans	Median rate	Median total costs	Median origination	Median points
1	Gateway First Bank	130	6.625%	$5,095	$1,379	$498
2	Loandepot.Com, LLC	130	6.43%	$5,982	$1,445	$736
3	City National Bank of West Virginia	105	6.15%	$2,217	$600	n/a
4	SUCCESS MORTGAGE PARTNERS, INC.	74	6.875%	$7,187	$3,235	$1,556
5	CROSSCOUNTRY MORTGAGE, INC.	66	6.75%	$6,921	$3,472	$2,425
6	The Poca Valley Bank, Inc.	62	n/a	n/a	n/a	n/a
7	Rocket Mortgage, LLC	62	6.875%	$5,953	$3,177	$2,570
8	GUARANTEED RATE, INC.	60	6.638%	$6,047	$1,737	$1,065
9	PRIMELENDING, A PLAINSCAPITAL COMPANY	59	6.43%	$5,903	$1,568	$1,418
10	Mortgage Research Center, LLC	54	6.5%	$3,584	$0	$1,513
11	WesBanco Bank, Inc.	53	6.25%	$4,322	$2,070	$367
12	VICTORIAN FINANCE, LLC	46	6.625%	$4,479	$1,595	$528
13	VANDERBILT MORTGAGE AND FINANCE, INC.	35	10.25%	$6,451	$3,343	$648
14	The Huntington National Bank	33	6.5%	$4,473	$1,564	$550
15	Cornerstone First Mortgage, Inc	32	6.625%	$6,531	$2,149	$791
16	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	31	6.74%	$5,557	$1,538	$1,193
17	Truist Bank	31	6.6%	$4,003	$1,250	$482
18	JPMorgan Chase Bank, National Association	20	6.625%	$3,974	$1,283	$730
19	Navy Federal Credit Union	15	6%	$2,530	$0	n/a
20	STOCKTON MORTGAGE CORPORATION	14	6.688%	$6,828	$1,894	$568
21	MOVEMENT MORTGAGE, LLC	13	6.5%	$6,156	$1,851	$1,043
22	Equity Prime Mortgage LLC	13	6.25%	$7,073	$944	$723
23	Fifth Third Bank, National Association	13	6.125%	$4,983	$1,295	$999
24	Peoples Bank	12	6.312%	$4,321	$1,455	$725
25	PUTNAM COUNTY BANK	11	n/a	n/a	n/a	n/a
26	United Bank	10	6.225%	$4,547	$1,300	$534
27	USAA Federal Savings Bank	8	6.062%	$5,139	$1,841	$1,514
28	ZILLOW HOME LOANS, LLC	7	6.875%	$4,731	$3,133	$1,791
29	CREDIT HUMAN FEDERAL CREDIT UNION	7	8.4%	$2,834	$5	n/a
30	UNION HOME MORTGAGE CORP.	7	6.375%	$4,872	$1,230	$281
31	Logan Bank & Trust Company	6	n/a	n/a	n/a	n/a
32	Broker Solutions, Inc.	6	6.5%	$10,518	$3,882	$2,143
33	U.S. Bank National Association	6	6.21%	$4,495	$1,245	$1,386
34	Community Trust Bank, Inc.	5	5.875%	$2,806	$900	n/a
35	CAMC Federal Credit Union	5	n/a	n/a	n/a	n/a
36	WEST VIRGINIA FEDERAL CREDIT UNION	5	5.49%	$1,450	$550	n/a
37	Whitesville State Bank	5	n/a	n/a	n/a	n/a
38	Huntington Federal Savings Bank	5	n/a	n/a	n/a	n/a
39	PENNYMAC LOAN SERVICES, LLC	5	5.99%	$9,103	$4,054	$3,875

What these numbers are, and are not

Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.

The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights, in plain English

One way to start several lender conversations quickly: a marketplace like LendingTree sends one request to up to five lenders, who will call and email you. Any lender you go on to apply with must then issue the same standardized Loan Estimate, which is the document you compare line by line.

Request quotes on LendingTree

What happens after you submit

Referral disclosure: this site may earn a fee if you request quotes through this link. A referral fee never changes the quotes you receive, and no lender or marketplace pays to appear in the data tables on this site or to be described a certain way.

Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Kanawha figures above, in your browser, without storing anything.

Common questions

What mortgage rate did people get in Kanawha County in 2025?

The median interest rate on closed home-purchase loans in Kanawha County, West Virginia in 2025 was 6.5%, across 1,351 first-lien, owner-occupied loans. The middle half of borrowers got between 6.15% and 6.875%.

Is this a rate I can get today?

No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.

Why do lenders in the table show different rates?

Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.

Where do these numbers come from?

The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.