Mortgage Rates West Virginia (WV) for March 2026
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Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of lenders actively lending in West Virginia. Our editorial content is independent of any advertiser relationships.
Current 30-year fixed mortgage rates in West Virginia as of March 20, 2026 are as follows, according to verified data from MonitorBankRates: Citizens Bank of West Virginia, Inc.Citizens Bank of West Virginia, Inc.1 Citizens Plaza, Beverly, WV, 26155A+5.0 ★Texas Ratio: 4.04% at 5.62%, TruistTruist100 S 4th St, Beckley, WV, 24740A+5.0 ★Texas Ratio: 3.63% at 6.10%, and Main Street Bank CorpMain Street Bank Corp1010 Commerce St, Moundsville, WV, 26003A5.0 ★Texas Ratio: 11.67% at 6.12%.
Mortgage rates in West Virginia (WV) are continually updated to reflect market conditions. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated local lenders and national banks is critical. We empower borrowers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution.
Mortgage Rates reflect actual verified offers from lenders actively lending to West Virginia borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
West Virginia Mortgage Rate Trends
Compare local West Virginia mortgage rate quotes against the statewide average
Weekly mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
30-Year Fixed — WV Avg
6.352%
▲ 0.267 from last week
For buyers in West Virginia, the broader West Virginia 30-year fixed average mortgage rate rose 0.267 points this week to 6.352%, according to MonitorBankRates trend data.
15-Year Fixed — WV Avg
5.715%
▼ 2.056 from last week
For buyers in West Virginia, the broader West Virginia 15-year fixed average mortgage rate fell 2.056 points this week to 5.715%, according to MonitorBankRates trend data.
As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare Mortgage Rates Today in West Virginia
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Citizens Bank of West Virginia, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1 Citizens Plaza, Beverly, WV, 26155
21-30 Year Fixed
5.62%
5.88%
▼
Rate5.62%
APR5.88%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Citizens Bank of West Virginia, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1 Citizens Plaza, Beverly, WV, 26155
FIXED RATE MORTGAGE 21-30 Year Fixed
5.62%
5.88%
▼
Rate5.62%
APR5.88%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 S 4th St, Beckley, WV, 24740
30-Year Fixed
360
6.10%
6.26%
▼
Rate6.10%
APR6.26%
Points0.566
UpdatedMar 15, 2026
Details
No additional details available.
Main Street Bank Corp
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1010 Commerce St, Moundsville, WV, 26003
30 Year Fixed
6.12%
6.32%
▼
Rate6.12%
APR6.32%
Points0.125
UpdatedMar 20, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 S 4th St, Beckley, WV, 24740
30-Year Fixed
360
6.12%
6.32%
▼
Rate6.12%
APR6.32%
Points0.927
UpdatedMar 15, 2026
Details
No additional details available.
Main Street Bank Corp
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1010 Commerce St, Moundsville, WV, 26003
30 Year Fixed
6.38%
6.64%
▼
Rate6.38%
APR6.64%
Points0.125
UpdatedMar 20, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 S 4th St, Beckley, WV, 24740
15-Year Fixed
180
5.38%
5.68%
▼
Rate5.38%
APR5.68%
Points0.902
UpdatedMar 15, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 S 4th St, Beckley, WV, 24740
15-Year Fixed
180
5.38%
5.70%
▼
Rate5.38%
APR5.70%
Points0.982
UpdatedMar 15, 2026
Details
No additional details available.
Main Street Bank Corp
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1010 Commerce St, Moundsville, WV, 26003
15 Year Fixed
5.38%
5.72%
▼
Rate5.38%
APR5.72%
Points0.375
UpdatedMar 20, 2026
Details
No additional details available.
Citizens Bank of West Virginia, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1 Citizens Plaza, Beverly, WV, 26155
10-15 Year Fixed
5.50%
5.93%
▼
Rate5.50%
APR5.93%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Citizens Bank of West Virginia, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1 Citizens Plaza, Beverly, WV, 26155
FIXED RATE MORTGAGE 10-15 Year Fixed
5.50%
5.93%
▼
Rate5.50%
APR5.93%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Citizens Bank of West Virginia, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1 Citizens Plaza, Beverly, WV, 26155
ADJUSTABLE RATE MORTGAGE (ARM) 1/1 ARM
5.99%
6.08%
▼
Rate5.99%
APR6.08%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Citizens Bank of West Virginia, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1 Citizens Plaza, Beverly, WV, 26155
3/1 ARM
6.24%
6.34%
▼
Rate6.24%
APR6.34%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Citizens Bank of West Virginia, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1 Citizens Plaza, Beverly, WV, 26155
ADJUSTABLE RATE MORTGAGE (ARM) 3/1 ARM
6.24%
6.34%
▼
Rate6.24%
APR6.34%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Citizens Bank of West Virginia, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1 Citizens Plaza, Beverly, WV, 26155
5/1 ARM
6.49%
6.59%
▼
Rate6.49%
APR6.59%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Citizens Bank of West Virginia, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1 Citizens Plaza, Beverly, WV, 26155
ADJUSTABLE RATE MORTGAGE (ARM) 5/1 ARM
6.49%
6.59%
▼
Rate6.49%
APR6.59%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Citizens Bank of West Virginia, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1 Citizens Plaza, Beverly, WV, 26155
7/1 ARM
6.74%
6.84%
▼
Rate6.74%
APR6.84%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Citizens Bank of West Virginia, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1 Citizens Plaza, Beverly, WV, 26155
ADJUSTABLE RATE MORTGAGE (ARM) 7/1 ARM
6.74%
6.84%
▼
Rate6.74%
APR6.84%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Citizens Bank of West Virginia, Inc.
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1 Citizens Plaza, Beverly, WV, 26155
ADJUSTABLE RATE MORTGAGE (ARM) 10/1 ARM
6.99%
7.09%
▼
Rate6.99%
APR7.09%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 S 4th St, Beckley, WV, 24740
30-Year Jumbo
360
6.97%
7.11%
▼
Rate6.97%
APR7.11%
Points0.815
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 S 4th St, Beckley, WV, 24740
30-Year FHA
360
5.70%
6.91%
▼
Rate5.70%
APR6.91%
Points0.767
UpdatedMar 15, 2026
Details
No additional details available.
No VA Loans rates found in West Virginia currently.
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MonitorBankRates
The mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for West Virginia directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in West Virginia. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in WV.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
Frequently Asked Questions about Mortgage Rates in West Virginia
How does my credit score affect my rate in West Virginia?
Your credit score is a major factor. Generally, borrowers in West Virginia with higher credit scores (760+) receive the lowest interest rates.
What is a 30-Year Fixed Mortgage?
A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in West Virginia because it offers lower monthly payments compared to shorter-term loans.
What are closing costs in West Virginia?
Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In West Virginia, these may include appraisal fees, title insurance, and recording fees.
Should I lock my mortgage rate?
If you are satisfied with the current rate and worried rates might rise before closing on your home in West Virginia, locking your rate is a good idea. It guarantees your rate for a specific period.
What is an Adjustable-Rate Mortgage (ARM)?
An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.
What is a Jumbo Loan in West Virginia?
A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of West Virginia, these limits are higher. These loans typically require stronger credit and larger down payments.
Do I need 20% down to buy a house in West Virginia?
No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in West Virginia offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.
What is the difference between Interest Rate and APR?
The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.
How do I find the best lender in West Virginia?
Compare rates from multiple sources including local banks, credit unions, and online lenders using the tables on this page to find the best offer for your situation.
What are the best Mortgage rates in West Virginia?
- Citizens Bank of West Virginia, Inc.: 5.62% (21-30 Year Fixed)
- Truist: 6.10% (30-Year Fixed)
- Main Street Bank Corp: 6.12% (30 Year Fixed)
Mortgage Rates reflect actual verified offers from lenders actively lending to West Virginia borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Mortgage Rates by City in West Virginia
