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Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

Mortgage Rates Monaville, West Virginia (WV) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
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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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of lenders actively lending in Monaville, West Virginia. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Mortgage Rates Last Updated and Verified: March 29, 2026

Current 30-year fixed mortgage rates in Monaville, West Virginia include 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%, Main Street Bank CorpMain Street Bank Corp1010 Commerce St, Moundsville, WV, 26003A5.0 ★Texas Ratio: 11.67% at 6.38%, and TruistTruist100 S 4th St, Beckley, WV, 24740A+5.0 ★Texas Ratio: 3.63% at 6.49%. Mortgage rates as of March 29, 2026 according to verified data from MonitorBankRates.

Mortgage rates in Monaville, 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 29, 2026

Compare Mortgage Rates Today in Monaville, West Virginia & the Surrounding Area

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%
View
▼
Rate5.62%
APR5.88%
Points0.000
UpdatedMar 25, 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%
View
▼
Rate5.62%
APR5.88%
Points0.000
UpdatedMar 25, 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%
6.59%
View
▼
Rate6.38%
APR6.59%
Points0.375
UpdatedMar 28, 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
6.49%
6.67%
View
▼
Rate6.49%
APR6.67%
Points0.696
UpdatedMar 29, 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
6.70%
6.90%
View
▼
Rate6.70%
APR6.90%
Points0.865
UpdatedMar 29, 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
6.80%
6.91%
View
▼
Rate6.80%
APR6.91%
Points-0.049
UpdatedMar 29, 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
6.62%
6.92%
View
▼
Rate6.62%
APR6.92%
Points0.375
UpdatedMar 28, 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
6.99%
7.08%
View
▼
Rate6.99%
APR7.08%
Points-0.205
UpdatedMar 29, 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
10-15 Year Fixed
5.50%
5.93%
View
▼
Rate5.50%
APR5.93%
Points0.000
UpdatedMar 25, 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%
View
▼
Rate5.50%
APR5.93%
Points0.000
UpdatedMar 25, 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
5.62%
5.98%
View
▼
Rate5.62%
APR5.98%
Points0.375
UpdatedMar 28, 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
5.75%
6.05%
View
▼
Rate5.75%
APR6.05%
Points0.829
UpdatedMar 29, 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
5.75%
6.06%
View
▼
Rate5.75%
APR6.06%
Points0.909
UpdatedMar 29, 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
6.10%
6.24%
View
▼
Rate6.10%
APR6.24%
Points-0.187
UpdatedMar 29, 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
6.10%
6.26%
View
▼
Rate6.10%
APR6.26%
Points-0.107
UpdatedMar 29, 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%
View
▼
Rate5.99%
APR6.08%
Points0.000
UpdatedMar 25, 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%
View
▼
Rate6.24%
APR6.34%
Points0.000
UpdatedMar 25, 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%
View
▼
Rate6.24%
APR6.34%
Points0.000
UpdatedMar 25, 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%
View
▼
Rate6.49%
APR6.59%
Points0.000
UpdatedMar 25, 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%
View
▼
Rate6.49%
APR6.59%
Points0.000
UpdatedMar 25, 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%
View
▼
Rate6.74%
APR6.84%
Points0.000
UpdatedMar 25, 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%
View
▼
Rate6.74%
APR6.84%
Points0.000
UpdatedMar 25, 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%
View
▼
Rate6.99%
APR7.09%
Points0.000
UpdatedMar 25, 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
7.17%
7.32%
View
▼
Rate7.17%
APR7.32%
Points0.906
UpdatedMar 29, 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 Jumbo
360
7.58%
7.62%
View
▼
Rate7.58%
APR7.62%
Points-0.087
UpdatedMar 29, 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
6.10%
7.33%
View
▼
Rate6.10%
APR7.33%
Points0.896
UpdatedMar 29, 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 FHA
360
6.60%
7.72%
View
▼
Rate6.60%
APR7.72%
Points-0.274
UpdatedMar 29, 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 VA
360
6.10%
6.49%
View
▼
Rate6.10%
APR6.49%
Points0.898
UpdatedMar 29, 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 VA
360
6.60%
6.88%
View
▼
Rate6.60%
APR6.88%
Points-0.277
UpdatedMar 29, 2026
Details

No additional details available.

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.

Mortgage Calculators

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Methodology & Data Sources

Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Monaville, 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 Monaville, 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 Monaville, West Virginia

How does my credit score affect my rate in West Virginia?

Your credit score is a major factor. Generally, borrowers in Monaville, 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 Monaville, 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 Monaville, 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 Monaville, 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 Monaville, 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 Monaville, West Virginia?

  • Citizens Bank of West Virginia, Inc.: 5.62% (21-30 Year Fixed)
  • Main Street Bank Corp: 6.38% (30 Year Fixed)
  • Truist: 6.49% (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 29, 2026

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