# Best Conventional Mortgage Lenders in Charleston, WV

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

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

> **Canonical URL:** https://saferate.com/charleston-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:** 28
- **Total Loans:** 1,426
- **Median Rate Spread:** 0.4912142857142857%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | City National Bank of West Virginia | 89 | 61 | 70 | 132 | Bank |
| 2 | The Huntington National Bank | 85 | 63 | 75 | 48 | Bank |
| 3 | Truist Bank | 85 | 71 | 69 | 34 | Bank |
| 4 | LOANDEPOT.COM, LLC | 83 | 45 | 72 | 116 | Independent Mortgage Company |
| 5 | WesBanco Bank, Inc. | 83 | 52 | 70 | 67 | Bank |
| 6 | THE STATE CREDIT UNION | 83 | 83 | 95 | 30 | Credit Union |
| 7 | WEST VIRGINIA FEDERAL CREDIT UNION | 83 | 93 | 89 | 28 | Credit Union |
| 8 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 160 | Independent Mortgage Company |
| 9 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 32 | Bank |
| 10 | Gateway First Bank | 75 | 27 | 75 | 153 | Bank |
| 11 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 26 | 76 | 84 | Independent Mortgage Company |
| 12 | UNITED WHOLESALE MORTGAGE, LLC | 75 | 36 | 86 | 47 | Independent Mortgage Company |
| 13 | Fifth Third Bank, National Association | 73 | 61 | 60 | 26 | Bank |
| 14 | VICTORIAN FINANCE, LLC | 71 | 36 | 68 | 80 | Independent Mortgage Company |
| 15 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 59 | Independent Mortgage Company |
| 16 | MOVEMENT MORTGAGE, LLC | 71 | 34 | 77 | 51 | Independent Mortgage Company |
| 17 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 21 | 74 | 46 | Independent Mortgage Company |
| 18 | NAVY FEDERAL CREDIT UNION | 70 | 92 | 53 | 10 | Credit Union |
| 19 | United Bank | 69 | 53 | 70 | 19 | Bank |
| 20 | HOMESPIRE MORTGAGE CORPORATION | 67 | 25 | 67 | 33 | Independent Mortgage Company |
| 21 | STOCKTON MORTGAGE CORPORATION | 66 | 29 | 65 | 12 | Independent Mortgage Company |
| 22 | Burke & Herbert Bank & Trust Company | 64 | 69 | 49 | 11 | Bank |
| 23 | SUCCESS MORTGAGE PARTNERS, INC. | 53 | 17 | 58 | 36 | Independent Mortgage Company |
| 24 | ROYAL UNITED MORTGAGE LLC | 53 | 4 | 62 | 10 | 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 Charleston, 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.