🛡️

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 Conventional 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	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	City National Bank of West Virginia	Exceptional	Strong	Exceptional	Strong	Exceptional	-$27	-0.138%	635
2	The Huntington National Bank	Exceptional	Strong	Exceptional	Strong	Exceptional	$417	+0.321%	586
3	Truist Bank	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,487	+0.238%	366
4	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$829	-0.317%	248
5	THE STATE CREDIT UNION	Exceptional	Exceptional	Sound	Exceptional	Strong	$250	-0.285%	47
6	WEST VIRGINIA FEDERAL CREDIT UNION	Exceptional	Exceptional	Sound	Exceptional	Strong	$368	-0.120%	39
7	PNC Bank, National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,087	+0.192%	102
8	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,321	+0.363%	91
9	First National Bank of Pennsylvania	Exceptional	Strong	Exceptional	Strong	Strong	$1,309	+0.150%	79
10	First Federal Savings and Loan Association of Greene Co	Exceptional	Exceptional	Sound	Strong	Strong	$550	+0.004%	48
11	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,974	+0.263%	642
12	WesBanco Bank, Inc.	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,769	+0.053%	565
13	First Heritage Mortgage, LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,951	+0.098%	175
14	Peoples Bank	Exceptional	Strong	Strong	Strong	Strong	$1,249	+0.239%	147
15	HANCOCK COUNTY SAVINGS BANK, FSB, INC.	Exceptional	Strong	Strong	Strong	Strong	$504	+0.002%	103
16	BAYER HERITAGE CREDIT UNION	Exceptional	Strong	Strong	Strong	Strong	$1,278	-0.450%	101
17	FAIRMONT	Exceptional	Exceptional	Sound	Sound	Strong	$766	-0.760%	81
18	Wells Fargo Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$2,247	+0.247%	77
19	Fifth Third Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,027	+0.561%	77
20	FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION	Exceptional	Exceptional	Sound	Sound	Strong	$954	-0.381%	33
21	NBKC BANK	Exceptional	Exceptional	Strong	Sound	Sound	$937	-0.160%	31
22	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,539	+0.585%	1,554
23	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,564	+0.346%	467
24	INTERCOASTAL MORTGAGE, LLC	Strong	Sound	Strong	Strong	Exceptional	$1,700	+0.167%	223
25	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$2,059	+0.421%	199
26	Atlantic Coast Mortgage, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,008	+0.260%	193
27	Clear Mountain Bank	Strong	Sound	Strong	Strong	Exceptional	$980	+0.141%	175
28	The Ohio Valley Bank Company	Strong	Strong	Sound	Strong	Strong	$606	-0.978%	86
29	Huntington Federal Savings Bank	Strong	Strong	Sound	Strong	Strong	$1,058	-0.098%	82
30	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,559	+0.527%	662
31	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,401	+0.367%	417
32	Gateway First Bank	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,970	+0.637%	270
33	Alcova Mortgage LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,158	+0.723%	175
34	United Bank	Strong	Sound	Strong	Strong	Strong	$1,601	+0.179%	164
35	Atlantic Union Bank	Strong	Sound	Strong	Strong	Strong	$1,856	+0.590%	148
36	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$3,413	-0.475%	82
37	Burke & Herbert Bank & Trust Company	Strong	Strong	Sound	Sound	Strong	$1,237	+0.291%	77
38	Integrity Home Mortgage Corporation	Strong	Acceptable	Strong	Strong	Exceptional	$4,298	+0.521%	414
39	HOMESPIRE MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Exceptional	$3,233	+0.236%	309
40	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,364	+0.729%	227
41	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,335	+0.738%	184
42	VICTORIAN FINANCE, LLC	Strong	Acceptable	Strong	Strong	Exceptional	$1,915	+0.204%	166
43	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$2,285	+0.449%	122
44	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Strong	$2,930	+0.643%	114
45	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$4,613	+0.441%	101
46	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,395	+0.841%	85
47	STOCKTON MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,681	+0.871%	77
48	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Strong	$2,392	+0.373%	75
49	MILLENNIUM FINANCIAL GROUP, INC.	Strong	Sound	Sound	Strong	Strong	$2,471	+0.390%	35
50	C & F Mortgage Corporation	Strong	Acceptable	Strong	Strong	Strong	$3,139	+0.481%	47

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.

Ready to find your perfect lender?

Get personalized recommendations based on your specific needs

West VirginiaConventional

No credit impact

3-minute process

100% free