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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Lenders in Charleston
Updated February 5, 2026
Market Overview
28
Total Lenders
1,426
Total Loans
0.49%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | City National Bank of West Virginia | Exceptional | Strong | Exceptional | Strong | Exceptional | $51 | -0.069% | 132 | |
2 | THE STATE CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | Strong | $250 | -0.339% | 30 | |
3 | WEST VIRGINIA FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | Strong | $409 | -0.206% | 28 | |
4 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $524 | +0.377% | 48 | |
5 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,111 | +0.438% | 34 | |
6 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,554 | +0.409% | 116 | |
7 | WesBanco Bank, Inc. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,624 | +0.067% | 67 | |
8 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Acceptable | $616 | +0.037% | 10 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,863 | +0.554% | 160 | |
10 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,941 | +0.385% | 32 | |
11 | Fifth Third Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,687 | +0.463% | 26 | |
12 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,821 | +0.631% | 153 | |
13 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,905 | +0.433% | 84 | |
14 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,303 | +0.810% | 47 | |
15 | VICTORIAN FINANCE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $1,754 | +0.165% | 80 | |
16 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,352 | +0.970% | 59 | |
17 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,418 | +0.563% | 51 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,493 | +1.078% | 46 | |
19 | United Bank | Strong | Sound | Strong | Strong | Sound | $1,271 | +0.208% | 19 | |
20 | Burke & Herbert Bank & Trust Company | Strong | Strong | Sound | Sound | Sound | $1,185 | +0.019% | 11 | |
21 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $2,772 | +0.545% | 33 | |
22 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,343 | +0.815% | 12 | |
23 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Sound | Strong | $3,147 | +1.100% | 36 | |
24 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | Sound | $2,205 | +1.700% | 10 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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Charleston, WVConventional
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