Safe Rate Rankings

Best Bank Mortgage Lenders in West Virginia

Updated June 3, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders143

Total Loans14,922

Median Rate Spread0.37%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	City National Bank of West VirginiaBank	Exceptional	Strong	Strong	Exceptional	$27Credit	0.138%Below	635
2	The Huntington National BankBank	Exceptional	Strong	Strong	Exceptional	$417Fees	0.321%Above	586
3	Truist BankBank	Exceptional	Strong	Strong	Exceptional	$1,487Fees	0.238%Above	366
4	First Federal Savings and Loan Association of Greene CoBank	Exceptional	Exceptional	Sound	Strong	$550Fees	0.004%Above	48
5	HANCOCK COUNTY SAVINGS BANK, FSB, INC.Bank	Strong	Strong	Strong	Strong	$504Fees	0.002%Above	103
6	PNC Bank, National AssociationBank	Strong	Strong	Strong	Strong	$1,087Fees	0.192%Above	102
7	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$1,321Fees	0.363%Above	91
8	Huntington Federal Savings BankBank	Strong	Strong	Strong	Strong	$1,058Fees	0.098%Below	82
9	Fifth Third Bank, National AssociationBank	Strong	Strong	Strong	Strong	$1,027Fees	0.561%Above	77
10	NBKC BANKBank	Strong	Exceptional	Sound	Sound	$937Fees	0.160%Below	31
11	WesBanco Bank, Inc.Bank	Strong	Sound	Strong	Exceptional	$1,769Fees	0.053%Above	565
12	Clear Mountain BankBank	Strong	Sound	Strong	Exceptional	$980Fees	0.141%Above	175
13	Peoples BankBank	Strong	Strong	Sound	Strong	$1,249Fees	0.239%Above	147
14	The Ohio Valley Bank CompanyBank	Strong	Strong	Sound	Strong	$606Fees	0.978%Below	86
15	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$2,247Fees	0.247%Above	77
16	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,059Fees	0.421%Above	199
17	United BankBank	Strong	Sound	Strong	Strong	$1,601Fees	0.179%Above	164
18	Atlantic Union BankBank	Strong	Sound	Strong	Strong	$1,856Fees	0.590%Above	148
19	First National Bank of PennsylvaniaBank	Strong	Sound	Strong	Strong	$1,309Fees	0.150%Above	79
20	Burke & Herbert Bank & Trust CompanyBank	Strong	Strong	Acceptable	Strong	$1,237Fees	0.291%Above	77
21	Gateway First BankBank	Strong	Acceptable	Strong	Exceptional	$1,970Fees	0.637%Above	270
22	USAA Federal Savings BankBank	Strong	Sound	Sound	Strong	$1,372Fees	0.036%Below	100
23	Flagstar Bank, N.A.Bank	Strong	Acceptable	Strong	Strong	$2,392Fees	0.373%Above	75
24	First Community BankBank	Sound	Mediocre	Acceptable	Strong	$1,940Fees	1.073%Above	43

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.