# Best Conventional Mortgage Lenders in Beckley, WV

**As of:** 2026-05-30

Compare the top Conventional mortgage lenders in Beckley, WV. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/beckley-wv/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 16
- **Total Loans:** 698
- **Median Rate Spread:** 0.43246666666666667%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | City National Bank of West Virginia | 89 | 61 | 70 | 102 | Bank |
| 2 | The Huntington National Bank | 89 | 63 | 75 | 93 | Bank |
| 3 | Truist Bank | 85 | 71 | 69 | 56 | Bank |
| 4 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 114 | Independent Mortgage Company |
| 5 | U.S. Bank National Association | 79 | 75 | 69 | 14 | Bank |
| 6 | MOVEMENT MORTGAGE, LLC | 75 | 34 | 77 | 132 | Independent Mortgage Company |
| 7 | LOANDEPOT.COM, LLC | 73 | 45 | 72 | 27 | Independent Mortgage Company |
| 8 | JPMorgan Chase Bank, National Association | 73 | 52 | 71 | 21 | Bank |
| 9 | UNITED WHOLESALE MORTGAGE, LLC | 70 | 36 | 86 | 20 | Independent Mortgage Company |
| 10 | Alcova Mortgage LLC | 70 | 31 | 82 | 17 | Independent Mortgage Company |
| 11 | United Bank | 69 | 53 | 70 | 12 | Bank |
| 12 | T2 FINANCIAL LLC | 66 | 26 | 77 | 14 | Independent Mortgage Company |
| 13 | NEW AMERICAN FUNDING, LLC | 62 | 26 | 60 | 13 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Beckley, WV.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.