# Best Mortgage Lenders in West Virginia

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

Compare the top mortgage lenders in West Virginia. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/west-virginia/best-mortgage-lenders


> **📋 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:** 143
- **Total Loans:** 14,922
- **Median Rate Spread:** 0.37259574468085105%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | City National Bank of West Virginia | 86 | 61 | 70 | 635 | Bank |
| 2 | The Huntington National Bank | 86 | 61 | 75 | 586 | Bank |
| 3 | Truist Bank | 86 | 70 | 68 | 366 | Bank |
| 4 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 467 | Independent Mortgage Company |
| 5 | INTERCOASTAL MORTGAGE, LLC | 84 | 49 | 81 | 223 | Independent Mortgage Company |
| 6 | HANCOCK COUNTY SAVINGS BANK, FSB, INC. | 80 | 80 | 70 | 103 | Bank |
| 7 | PNC Bank, National Association | 80 | 71 | 61 | 102 | Bank |
| 8 | U.S. Bank National Association | 80 | 75 | 71 | 91 | Bank |
| 9 | Huntington Federal Savings Bank | 80 | 79 | 68 | 82 | Bank |
| 10 | Fifth Third Bank, National Association | 80 | 62 | 62 | 77 | Bank |
| 11 | LOANDEPOT.COM, LLC | 78 | 48 | 76 | 642 | Independent Mortgage Company |
| 12 | WesBanco Bank, Inc. | 78 | 58 | 70 | 565 | Bank |
| 13 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 248 | Credit Union |
| 14 | First Heritage Mortgage, LLC | 78 | 51 | 89 | 175 | Independent Mortgage Company |
| 15 | Clear Mountain Bank | 78 | 51 | 76 | 175 | Bank |
| 16 | First Federal Savings and Loan Association of Greene Co | 78 | 87 | 57 | 48 | Bank |
| 17 | WEST VIRGINIA FEDERAL CREDIT UNION | 78 | 93 | 44 | 39 | Credit Union |
| 18 | FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION | 78 | 85 | 56 | 33 | Credit Union |
| 19 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 1,554 | Independent Mortgage Company |
| 20 | MOVEMENT MORTGAGE, LLC | 74 | 32 | 84 | 662 | Independent Mortgage Company |
| 21 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 74 | 26 | 83 | 417 | Independent Mortgage Company |
| 22 | Integrity Home Mortgage Corporation | 74 | 22 | 83 | 414 | Independent Mortgage Company |
| 23 | HOMESPIRE MORTGAGE CORPORATION | 74 | 25 | 84 | 309 | Independent Mortgage Company |
| 24 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 199 | Bank |
| 25 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 184 | Independent Mortgage Company |
| 26 | United Bank | 73 | 54 | 76 | 164 | Bank |
| 27 | Atlantic Union Bank | 73 | 42 | 76 | 148 | Bank |
| 28 | Peoples Bank | 73 | 69 | 56 | 147 | Bank |
| 29 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 122 | Independent Mortgage Company |
| 30 | BAYER HERITAGE CREDIT UNION | 73 | 76 | 60 | 101 | Credit Union |
| 31 | The Ohio Valley Bank Company | 73 | 65 | 50 | 86 | Bank |
| 32 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 82 | Independent Mortgage Company |
| 33 | First National Bank of Pennsylvania | 73 | 60 | 71 | 79 | Bank |
| 34 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 77 | Bank |
| 35 | MILLENNIUM FINANCIAL GROUP, INC. | 73 | 44 | 61 | 35 | Independent Mortgage Company |
| 36 | NBKC BANK | 71 | 91 | 59 | 31 | Bank |
| 37 | Mortgage Research Center, LLC | 68 | 34 | 70 | 554 | Independent Mortgage Company |
| 38 | Gateway First Bank | 68 | 29 | 79 | 270 | Bank |
| 39 | VICTORIAN FINANCE, LLC | 68 | 31 | 64 | 166 | Independent Mortgage Company |
| 40 | Atlantic Coast Mortgage, LLC | 68 | 37 | 84 | 193 | Independent Mortgage Company |
| 41 | Alcova Mortgage LLC | 68 | 32 | 90 | 175 | Independent Mortgage Company |
| 42 | UNION HOME MORTGAGE CORP. | 68 | 22 | 83 | 114 | Independent Mortgage Company |
| 43 | FAIRMONT | 68 | 91 | 29 | 81 | Credit Union |
| 44 | C & F Mortgage Corporation | 68 | 29 | 81 | 47 | Independent Mortgage Company |
| 45 | THE STATE CREDIT UNION | 68 | 84 | 36 | 47 | Credit Union |
| 46 | USAA Federal Savings Bank | 66 | 54 | 45 | 100 | Bank |
| 47 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 227 | Independent Mortgage Company |
| 48 | Sierra Pacific Mortgage Company, Inc. | 63 | 32 | 80 | 101 | Independent Mortgage Company |
| 49 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 85 | Independent Mortgage Company |
| 50 | Burke & Herbert Bank & Trust Company | 63 | 68 | 36 | 77 | Bank |

## 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 West Virginia.

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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.