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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 Mortgage Lenders in West Virginia
Updated February 6, 2026
Market Overview
143
Total Lenders
14,922
Total Loans
0.37%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | City National Bank of West Virginia | Exceptional | Strong | Strong | Exceptional | -$27 | -0.138% | 635 | |
2 | The Huntington National Bank | Exceptional | Strong | Strong | Exceptional | $417 | +0.321% | 586 | |
3 | Truist Bank | Exceptional | Strong | Strong | Exceptional | $1,487 | +0.238% | 366 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $829 | -0.317% | 248 | |
5 | First Federal Savings and Loan Association of Greene Co | Exceptional | Exceptional | Sound | Strong | $550 | +0.004% | 48 | |
6 | WEST VIRGINIA FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $368 | -0.120% | 39 | |
7 | FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $954 | -0.381% | 33 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,564 | +0.346% | 467 | |
9 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $1,700 | +0.167% | 223 | |
10 | HANCOCK COUNTY SAVINGS BANK, FSB, INC. | Strong | Strong | Strong | Strong | $504 | +0.002% | 103 | |
11 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $1,087 | +0.192% | 102 | |
12 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,321 | +0.363% | 91 | |
13 | Huntington Federal Savings Bank | Strong | Strong | Strong | Strong | $1,058 | -0.098% | 82 | |
14 | FAIRMONT | Strong | Exceptional | Acceptable | Strong | $766 | -0.760% | 81 | |
15 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | $1,027 | +0.561% | 77 | |
16 | THE STATE CREDIT UNION | Strong | Exceptional | Acceptable | Strong | $250 | -0.285% | 47 | |
17 | NBKC BANK | Strong | Exceptional | Sound | Sound | $937 | -0.160% | 31 | |
18 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $1,974 | +0.263% | 642 | |
19 | WesBanco Bank, Inc. | Strong | Sound | Strong | Exceptional | $1,769 | +0.053% | 565 | |
20 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Strong | $2,951 | +0.098% | 175 | |
21 | Clear Mountain Bank | Strong | Sound | Strong | Exceptional | $980 | +0.141% | 175 | |
22 | Peoples Bank | Strong | Strong | Sound | Strong | $1,249 | +0.239% | 147 | |
23 | BAYER HERITAGE CREDIT UNION | Strong | Strong | Sound | Strong | $1,278 | -0.450% | 101 | |
24 | The Ohio Valley Bank Company | Strong | Strong | Sound | Strong | $606 | -0.978% | 86 | |
25 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,247 | +0.247% | 77 | |
26 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,539 | +0.585% | 1,554 | |
27 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,559 | +0.527% | 662 | |
28 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | $2,401 | +0.367% | 417 | |
29 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Exceptional | $4,298 | +0.521% | 414 | |
30 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,233 | +0.236% | 309 | |
31 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,059 | +0.421% | 199 | |
32 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,335 | +0.738% | 184 | |
33 | United Bank | Strong | Sound | Strong | Strong | $1,601 | +0.179% | 164 | |
34 | Atlantic Union Bank | Strong | Sound | Strong | Strong | $1,856 | +0.590% | 148 | |
35 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,285 | +0.449% | 122 | |
36 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $3,413 | -0.475% | 82 | |
37 | First National Bank of Pennsylvania | Strong | Sound | Strong | Strong | $1,309 | +0.150% | 79 | |
38 | Burke & Herbert Bank & Trust Company | Strong | Strong | Acceptable | Strong | $1,237 | +0.291% | 77 | |
39 | MILLENNIUM FINANCIAL GROUP, INC. | Strong | Sound | Strong | Strong | $2,471 | +0.390% | 35 | |
40 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $1,656 | +0.857% | 554 | |
41 | Gateway First Bank | Strong | Acceptable | Strong | Exceptional | $1,970 | +0.637% | 270 | |
42 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | $3,008 | +0.260% | 193 | |
43 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Strong | $2,158 | +0.723% | 175 | |
44 | VICTORIAN FINANCE, LLC | Strong | Acceptable | Strong | Exceptional | $1,915 | +0.204% | 166 | |
45 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,930 | +0.643% | 114 | |
46 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,372 | -0.036% | 100 | |
47 | C & F Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | $3,139 | +0.481% | 47 | |
48 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,364 | +0.729% | 227 | |
49 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $4,613 | +0.441% | 101 | |
50 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,395 | +0.841% | 85 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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