# Best FHA Mortgage Lenders in Charleston, WV

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

Compare the top FHA 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/fha-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 | WesBanco Bank, Inc. | 85 | 74 | 65 | 67 | Bank |
| 2 | The Huntington National Bank | 85 | 75 | 65 | 48 | Bank |
| 3 | LOANDEPOT.COM, LLC | 83 | 59 | 68 | 116 | Independent Mortgage Company |
| 4 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 52 | 81 | 47 | Independent Mortgage Company |
| 5 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 160 | Independent Mortgage Company |
| 6 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 80 | 22 | 82 | 84 | Independent Mortgage Company |
| 7 | Gateway First Bank | 75 | 35 | 77 | 153 | Bank |
| 8 | VICTORIAN FINANCE, LLC | 71 | 28 | 64 | 80 | Independent Mortgage Company |
| 9 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 59 | Independent Mortgage Company |
| 10 | MOVEMENT MORTGAGE, LLC | 71 | 30 | 79 | 51 | Independent Mortgage Company |
| 11 | HOMESPIRE MORTGAGE CORPORATION | 71 | 23 | 80 | 33 | Independent Mortgage Company |
| 12 | Mortgage Research Center, LLC | 66 | 34 | 54 | 69 | Independent Mortgage Company |
| 13 | STOCKTON MORTGAGE CORPORATION | 66 | 28 | 67 | 12 | Independent Mortgage Company |
| 14 | AMERISAVE MORTGAGE CORPORATION | 62 | 23 | 45 | 10 | Independent Mortgage Company |
| 15 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 19 | 69 | 46 | Independent Mortgage Company |
| 16 | SUCCESS MORTGAGE PARTNERS, INC. | 60 | 15 | 75 | 36 | Independent Mortgage Company |
| 17 | NEW AMERICAN FUNDING, LLC | 52 | 19 | 57 | 11 | 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.