The servers themselves are not necessarily "chatty". Literally all of the talking comes from kin chat. So that means you will want to join a good kin.
Originally Posted by FaithDavidson
I would suggest joining the Dunedain of the North on Withywindle. It is the BEST kinship that I have seen in any game. They are active raiders, crafters, PvMPers, and advice givers. They are also very active in chat. Whether they are talking about things in game or just goofing off.
@ the OP, welcome to LOTRO. There are a ton of fun things in the game that you can do and it remains the only game that can keep me interested for over a week. (Trust me I've tried to find others, GW2 and ESO being the most recent)
Withywindle characters-Caesaran (warden), Dernudan (Lore master)
Brandywine characters- Dernudan (champion), Denthur (guardian), Delphinianic(captain)