# Best Conventional Mortgage Lenders in West Virginia

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

Compare the top Conventional mortgage lenders in West Virginia. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | 89 | 61 | 70 | 635 | Bank |
| 2 | The Huntington National Bank | 89 | 63 | 75 | 586 | Bank |
| 3 | Truist Bank | 89 | 71 | 69 | 366 | Bank |
| 4 | PNC Bank, National Association | 85 | 75 | 63 | 102 | Bank |
| 5 | U.S. Bank National Association | 85 | 75 | 69 | 91 | Bank |
| 6 | First National Bank of Pennsylvania | 85 | 63 | 77 | 79 | Bank |
| 7 | LOANDEPOT.COM, LLC | 83 | 45 | 72 | 642 | Independent Mortgage Company |
| 8 | WesBanco Bank, Inc. | 83 | 52 | 70 | 565 | Bank |
| 9 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 248 | Credit Union |
| 10 | First Heritage Mortgage, LLC | 83 | 47 | 81 | 175 | Independent Mortgage Company |
| 11 | THE STATE CREDIT UNION | 83 | 83 | 95 | 47 | Credit Union |
| 12 | WEST VIRGINIA FEDERAL CREDIT UNION | 83 | 93 | 89 | 39 | Credit Union |
| 13 | Peoples Bank | 80 | 67 | 73 | 147 | Bank |
| 14 | HANCOCK COUNTY SAVINGS BANK, FSB, INC. | 80 | 79 | 68 | 103 | Bank |
| 15 | BAYER HERITAGE CREDIT UNION | 80 | 74 | 76 | 101 | Credit Union |
| 16 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 1,554 | Independent Mortgage Company |
| 17 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 467 | Independent Mortgage Company |
| 18 | INTERCOASTAL MORTGAGE, LLC | 79 | 49 | 77 | 223 | Independent Mortgage Company |
| 19 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 199 | Bank |
| 20 | Atlantic Coast Mortgage, LLC | 79 | 40 | 76 | 193 | Independent Mortgage Company |
| 21 | Clear Mountain Bank | 79 | 52 | 70 | 175 | Bank |
| 22 | Wells Fargo Bank, National Association | 79 | 61 | 57 | 77 | Bank |
| 23 | Fifth Third Bank, National Association | 79 | 61 | 60 | 77 | Bank |
| 24 | First Federal Savings and Loan Association of Greene Co | 79 | 87 | 60 | 48 | Bank |
| 25 | MOVEMENT MORTGAGE, LLC | 75 | 34 | 77 | 662 | Independent Mortgage Company |
| 26 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 26 | 76 | 417 | Independent Mortgage Company |
| 27 | Gateway First Bank | 75 | 27 | 75 | 270 | Bank |
| 28 | Alcova Mortgage LLC | 75 | 31 | 82 | 175 | Independent Mortgage Company |
| 29 | United Bank | 74 | 53 | 70 | 164 | Bank |
| 30 | Atlantic Union Bank | 74 | 43 | 67 | 148 | Bank |
| 31 | The Ohio Valley Bank Company | 74 | 64 | 74 | 86 | Bank |
| 32 | Huntington Federal Savings Bank | 74 | 77 | 65 | 82 | Bank |
| 33 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 82 | Independent Mortgage Company |
| 34 | FAIRMONT | 73 | 90 | 47 | 81 | Credit Union |
| 35 | FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION | 73 | 85 | 45 | 33 | Credit Union |
| 36 | NBKC BANK | 73 | 90 | 49 | 31 | Bank |
| 37 | Integrity Home Mortgage Corporation | 71 | 22 | 75 | 414 | Independent Mortgage Company |
| 38 | HOMESPIRE MORTGAGE CORPORATION | 71 | 25 | 67 | 309 | Independent Mortgage Company |
| 39 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 21 | 74 | 227 | Independent Mortgage Company |
| 40 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 184 | Independent Mortgage Company |
| 41 | VICTORIAN FINANCE, LLC | 71 | 36 | 68 | 166 | Independent Mortgage Company |
| 42 | UNION HOME MORTGAGE CORP. | 71 | 23 | 77 | 114 | Independent Mortgage Company |
| 43 | Sierra Pacific Mortgage Company, Inc. | 71 | 33 | 70 | 101 | Independent Mortgage Company |
| 44 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 85 | Independent Mortgage Company |
| 45 | STOCKTON MORTGAGE CORPORATION | 71 | 29 | 65 | 77 | Independent Mortgage Company |
| 46 | Flagstar Bank, N.A. | 71 | 34 | 72 | 75 | Bank |
| 47 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 122 | Independent Mortgage Company |
| 48 | Burke & Herbert Bank & Trust Company | 69 | 69 | 49 | 77 | Bank |
| 49 | MILLENNIUM FINANCIAL GROUP, INC. | 69 | 46 | 67 | 35 | Independent Mortgage Company |
| 50 | C & F Mortgage Corporation | 67 | 34 | 74 | 47 | Independent Mortgage Company |

## 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.