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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 FHA 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	The Huntington National Bank	Exceptional	Strong	Exceptional	Strong	Exceptional	$417	+0.321%	586
2	First Heritage Mortgage, LLC	Exceptional	Strong	Exceptional	Exceptional	Strong	$2,951	+0.098%	175
3	First National Bank of Pennsylvania	Exceptional	Exceptional	Strong	Strong	Strong	$1,309	+0.150%	79
4	WesBanco Bank, Inc.	Exceptional	Strong	Strong	Strong	Exceptional	$1,769	+0.053%	565
5	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,564	+0.346%	467
6	INTERCOASTAL MORTGAGE, LLC	Exceptional	Strong	Strong	Strong	Exceptional	$1,700	+0.167%	223
7	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,285	+0.449%	122
8	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,974	+0.263%	642
9	Truist Bank	Exceptional	Strong	Strong	Sound	Exceptional	$1,487	+0.238%	366
10	United Bank	Exceptional	Strong	Strong	Strong	Strong	$1,601	+0.179%	164
11	U.S. Bank National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,321	+0.363%	91
12	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$3,413	-0.475%	82
13	Fifth Third Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,027	+0.561%	77
14	Prosperity Home Mortgage, LLC	Exceptional	Strong	Exceptional	Strong	Sound	$3,357	+0.247%	50
15	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,539	+0.585%	1,554
16	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,401	+0.367%	417
17	PNC Bank, National Association	Strong	Strong	Strong	Sound	Strong	$1,087	+0.192%	102
18	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Strong	$2,392	+0.373%	75
19	RMC HOME MORTGAGE, LLC	Strong	Sound	Exceptional	Strong	Strong	$4,444	+0.064%	49
20	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,559	+0.527%	662
21	Integrity Home Mortgage Corporation	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,298	+0.521%	414
22	HOMESPIRE MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,233	+0.236%	309
23	Gateway First Bank	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,970	+0.637%	270
24	Atlantic Coast Mortgage, LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,008	+0.260%	193
25	Alcova Mortgage LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,158	+0.723%	175
26	Atlantic Union Bank	Strong	Sound	Strong	Strong	Strong	$1,856	+0.590%	148
27	Peoples Bank	Strong	Strong	Sound	Sound	Strong	$1,249	+0.239%	147
28	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,930	+0.643%	114
29	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$2,355	+0.513%	97
30	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Sound	Exceptional	$1,656	+0.857%	554
31	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Sound	Strong	$2,059	+0.421%	199
32	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,335	+0.738%	184
33	VICTORIAN FINANCE, LLC	Strong	Acceptable	Strong	Strong	Exceptional	$1,915	+0.204%	166
34	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$4,613	+0.441%	101
35	STOCKTON MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,681	+0.871%	77
36	C & F Mortgage Corporation	Strong	Acceptable	Strong	Exceptional	Strong	$3,139	+0.481%	47
37	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,756	+0.402%	43
38	NFM, INC.	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,012	+0.649%	36
39	MILLENNIUM FINANCIAL GROUP, INC.	Strong	Sound	Sound	Strong	Strong	$2,471	+0.390%	35
40	AMERISAVE MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Sound	Strong	$3,291	+0.797%	91
41	EMBRACE HOME LOANS, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,870	+0.213%	52
42	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Sound	$4,134	+0.525%	50
43	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,956	+0.468%	45
44	ZILLOW HOME LOANS, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,919	+0.993%	44
45	Equity Prime Mortgage LLC	Strong	Acceptable	Exceptional	Strong	Sound	$1,966	+0.886%	42
46	MORTGAGE SOLUTIONS OF COLORADO, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$1,891	+1.108%	31
47	CROSSCOUNTRY MORTGAGE, LLC	Strong	Mediocre	Exceptional	Strong	Strong	$3,364	+0.729%	227
48	NATIONSTAR MORTGAGE LLC	Strong	Mediocre	Exceptional	Strong	Strong	$3,395	+0.841%	85
49	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$3,986	+0.665%	49
50	TIDEWATER MORTGAGE SERVICES, INC.	Strong	Acceptable	Strong	Strong	Sound	$3,112	+0.386%	36

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.

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