# Best Bank Mortgage Lenders in West Virginia

**As of:** 2026-06-03

Compare the top banks offering mortgages in West Virginia. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | HANCOCK COUNTY SAVINGS BANK, FSB, INC. | 80 | 80 | 70 | 103 | Bank |
| 5 | PNC Bank, National Association | 80 | 71 | 61 | 102 | Bank |
| 6 | U.S. Bank National Association | 80 | 75 | 71 | 91 | Bank |
| 7 | Huntington Federal Savings Bank | 80 | 79 | 68 | 82 | Bank |
| 8 | Fifth Third Bank, National Association | 80 | 62 | 62 | 77 | Bank |
| 9 | WesBanco Bank, Inc. | 78 | 58 | 70 | 565 | Bank |
| 10 | Clear Mountain Bank | 78 | 51 | 76 | 175 | Bank |
| 11 | First Federal Savings and Loan Association of Greene Co | 78 | 87 | 57 | 48 | Bank |
| 12 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 199 | Bank |
| 13 | United Bank | 73 | 54 | 76 | 164 | Bank |
| 14 | Atlantic Union Bank | 73 | 42 | 76 | 148 | Bank |
| 15 | Peoples Bank | 73 | 69 | 56 | 147 | Bank |
| 16 | The Ohio Valley Bank Company | 73 | 65 | 50 | 86 | Bank |
| 17 | First National Bank of Pennsylvania | 73 | 60 | 71 | 79 | Bank |
| 18 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 77 | Bank |
| 19 | NBKC BANK | 71 | 91 | 59 | 31 | Bank |
| 20 | Gateway First Bank | 68 | 29 | 79 | 270 | Bank |
| 21 | USAA Federal Savings Bank | 66 | 54 | 45 | 100 | Bank |
| 22 | Burke & Herbert Bank & Trust Company | 63 | 68 | 36 | 77 | Bank |
| 23 | Flagstar Bank, N.A. | 63 | 40 | 76 | 75 | Bank |
| 24 | First Community Bank | 40 | 13 | 24 | 43 | 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.