Average Loan Estimate Fees in West Virginia (2023)
Last Updated: April 2026 · Data: Optimal Blue OBMMI via Federal Reserve FRED API
West Virginia Average
$4,120
Total lender & third-party fees
National Average
$6,180
West Virginia is 33% below the national average
Fee-by-Fee Breakdown (2023)
| Fee Type | West Virginia | National | Negotiable? |
|---|---|---|---|
| Origination Fee | $1,360 | $1,750 | Yes |
| Underwriting Fee | $700 | $800 | Yes |
| Processing Fee | $340 | $600 | Yes |
| Application Fee | $140 | $250 | Yes |
| Rate Lock Fee | $170 | $300 | Yes |
| Appraisal Fee | $280 | $500 | No |
| Title Insurance | $650 | $1,250 | No |
| Settlement Fee | $350 | $500 | Yes |
| Document Prep Fee | $115 | $200 | Yes |
| Flood Certification | $15 | $30 | No |
| Total | $4,120 | $6,180 |
Mortgage Closing Costs in West Virginia
In 2023, borrowers in West Virginia can expect total loan estimate fees of approximately $4,120 on average — 33% lower than the national average of $6,180. The lower costs in West Virginia reflect a competitive local lending market and relatively lower operating costs for title and settlement services. Of the fees listed above, the negotiable ones represent your best opportunity to reduce out-of-pocket closing costs — simply asking your lender to reduce or waive these fees before closing can save hundreds of dollars.
Loan Estimate Analyzer
Want a full analysis of all your Loan Estimate fees?
FairRate analyzes every fee on your Loan Estimate and tells you which ones to negotiate — no lender affiliation, no lead generation. Just data.
Analyze My Loan Estimate — $29See a sample report →