Safe Rate Rankings

Best All Lender Mortgage Lenders in West Virginia

Updated May 30, 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	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$829Fees	0.317%Below	248
5	First Federal Savings and Loan Association of Greene CoBank	Exceptional	Exceptional	Sound	Strong	$550Fees	0.004%Above	48
6	WEST VIRGINIA FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$368Fees	0.120%Below	39
7	FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$954Fees	0.381%Below	33
8	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,564Fees	0.346%Above	467
9	INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$1,700Fees	0.167%Above	223
10	HANCOCK COUNTY SAVINGS BANK, FSB, INC.Bank	Strong	Strong	Strong	Strong	$504Fees	0.002%Above	103
11	PNC Bank, National AssociationBank	Strong	Strong	Strong	Strong	$1,087Fees	0.192%Above	102
12	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$1,321Fees	0.363%Above	91
13	Huntington Federal Savings BankBank	Strong	Strong	Strong	Strong	$1,058Fees	0.098%Below	82
14	FAIRMONTCredit Union	Strong	Exceptional	Acceptable	Strong	$766Fees	0.760%Below	81
15	Fifth Third Bank, National AssociationBank	Strong	Strong	Strong	Strong	$1,027Fees	0.561%Above	77
16	THE STATE CREDIT UNIONCredit Union	Strong	Exceptional	Acceptable	Strong	$250Fees	0.285%Below	47
17	NBKC BANKBank	Strong	Exceptional	Sound	Sound	$937Fees	0.160%Below	31
18	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,974Fees	0.263%Above	642
19	WesBanco Bank, Inc.Bank	Strong	Sound	Strong	Exceptional	$1,769Fees	0.053%Above	565
20	First Heritage Mortgage, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,951Fees	0.098%Above	175
21	Clear Mountain BankBank	Strong	Sound	Strong	Exceptional	$980Fees	0.141%Above	175
22	Peoples BankBank	Strong	Strong	Sound	Strong	$1,249Fees	0.239%Above	147
23	BAYER HERITAGE CREDIT UNIONCredit Union	Strong	Strong	Sound	Strong	$1,278Fees	0.450%Below	101
24	The Ohio Valley Bank CompanyBank	Strong	Strong	Sound	Strong	$606Fees	0.978%Below	86
25	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$2,247Fees	0.247%Above	77
26	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,539Fees	0.585%Above	1,554
27	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,559Fees	0.527%Above	662
28	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,401Fees	0.367%Above	417
29	Integrity Home Mortgage CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,298Fees	0.521%Above	414
30	HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,233Fees	0.236%Above	309
31	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,059Fees	0.421%Above	199
32	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,335Fees	0.738%Above	184
33	United BankBank	Strong	Sound	Strong	Strong	$1,601Fees	0.179%Above	164
34	Atlantic Union BankBank	Strong	Sound	Strong	Strong	$1,856Fees	0.590%Above	148
35	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,285Fees	0.449%Above	122
36	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,413Fees	0.475%Below	82
37	First National Bank of PennsylvaniaBank	Strong	Sound	Strong	Strong	$1,309Fees	0.150%Above	79
38	Burke & Herbert Bank & Trust CompanyBank	Strong	Strong	Acceptable	Strong	$1,237Fees	0.291%Above	77
39	MILLENNIUM FINANCIAL GROUP, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,471Fees	0.390%Above	35
40	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$1,656Fees	0.857%Above	554
41	Gateway First BankBank	Strong	Acceptable	Strong	Exceptional	$1,970Fees	0.637%Above	270
42	Atlantic Coast Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,008Fees	0.260%Above	193
43	Alcova Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,158Fees	0.723%Above	175
44	VICTORIAN FINANCE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$1,915Fees	0.204%Above	166
45	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,930Fees	0.643%Above	114
46	USAA Federal Savings BankBank	Strong	Sound	Sound	Strong	$1,372Fees	0.036%Below	100
47	C & F Mortgage CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,139Fees	0.481%Above	47
48	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,364Fees	0.729%Above	227
49	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,613Fees	0.441%Above	101
50	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,395Fees	0.841%Above	85

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.