# Best FHA Mortgage Lenders in West Virginia

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

Compare the top FHA 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/fha-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 | The Huntington National Bank | 89 | 75 | 65 | 586 | Bank |
| 2 | First Heritage Mortgage, LLC | 89 | 68 | 84 | 175 | Independent Mortgage Company |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 467 | Independent Mortgage Company |
| 4 | WesBanco Bank, Inc. | 85 | 74 | 65 | 565 | Bank |
| 5 | INTERCOASTAL MORTGAGE, LLC | 85 | 69 | 79 | 223 | Independent Mortgage Company |
| 6 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 122 | Independent Mortgage Company |
| 7 | First National Bank of Pennsylvania | 85 | 81 | 66 | 79 | Bank |
| 8 | LOANDEPOT.COM, LLC | 83 | 59 | 68 | 642 | Independent Mortgage Company |
| 9 | United Bank | 80 | 67 | 68 | 164 | Bank |
| 10 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 1,554 | Independent Mortgage Company |
| 11 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 80 | 22 | 82 | 417 | Independent Mortgage Company |
| 12 | Truist Bank | 79 | 75 | 53 | 366 | Bank |
| 13 | U.S. Bank National Association | 79 | 65 | 60 | 91 | Bank |
| 14 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 82 | Independent Mortgage Company |
| 15 | Fifth Third Bank, National Association | 79 | 72 | 58 | 77 | Bank |
| 16 | Flagstar Bank, N.A. | 79 | 58 | 71 | 75 | Bank |
| 17 | Prosperity Home Mortgage, LLC | 79 | 63 | 72 | 50 | Independent Mortgage Company |
| 18 | RMC HOME MORTGAGE, LLC | 79 | 45 | 71 | 49 | Independent Mortgage Company |
| 19 | MOVEMENT MORTGAGE, LLC | 75 | 30 | 79 | 662 | Independent Mortgage Company |
| 20 | Integrity Home Mortgage Corporation | 75 | 23 | 79 | 414 | Independent Mortgage Company |
| 21 | HOMESPIRE MORTGAGE CORPORATION | 75 | 23 | 80 | 309 | Independent Mortgage Company |
| 22 | Gateway First Bank | 75 | 35 | 77 | 270 | Bank |
| 23 | Atlantic Coast Mortgage, LLC | 75 | 35 | 81 | 193 | Independent Mortgage Company |
| 24 | Alcova Mortgage LLC | 75 | 39 | 85 | 175 | Independent Mortgage Company |
| 25 | UNION HOME MORTGAGE CORP. | 75 | 22 | 80 | 114 | Independent Mortgage Company |
| 26 | Atlantic Union Bank | 74 | 45 | 74 | 148 | Bank |
| 27 | PNC Bank, National Association | 74 | 62 | 56 | 102 | Bank |
| 28 | NEWREZ LLC | 73 | 52 | 56 | 97 | Independent Mortgage Company |
| 29 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 184 | Independent Mortgage Company |
| 30 | VICTORIAN FINANCE, LLC | 71 | 28 | 64 | 166 | Independent Mortgage Company |
| 31 | Sierra Pacific Mortgage Company, Inc. | 71 | 33 | 75 | 101 | Independent Mortgage Company |
| 32 | STOCKTON MORTGAGE CORPORATION | 71 | 28 | 67 | 77 | Independent Mortgage Company |
| 33 | C & F Mortgage Corporation | 71 | 26 | 81 | 47 | Independent Mortgage Company |
| 34 | Mortgage Research Center, LLC | 70 | 34 | 54 | 554 | Independent Mortgage Company |
| 35 | T2 FINANCIAL LLC | 70 | 29 | 82 | 43 | Independent Mortgage Company |
| 36 | NFM, INC. | 70 | 40 | 83 | 36 | Independent Mortgage Company |
| 37 | JPMorgan Chase Bank, National Association | 69 | 59 | 47 | 199 | Bank |
| 38 | Peoples Bank | 69 | 77 | 50 | 147 | Bank |
| 39 | MILLENNIUM FINANCIAL GROUP, INC. | 69 | 44 | 65 | 35 | Independent Mortgage Company |
| 40 | AMERISAVE MORTGAGE CORPORATION | 66 | 23 | 45 | 91 | Independent Mortgage Company |
| 41 | EMBRACE HOME LOANS, INC. | 66 | 35 | 71 | 52 | Independent Mortgage Company |
| 42 | GUILD MORTGAGE COMPANY LLC | 66 | 29 | 80 | 50 | Independent Mortgage Company |
| 43 | LOWER, LLC | 66 | 29 | 66 | 45 | Independent Mortgage Company |
| 44 | ZILLOW HOME LOANS, LLC | 66 | 34 | 67 | 44 | Independent Mortgage Company |
| 45 | Equity Prime Mortgage LLC | 66 | 22 | 63 | 42 | Independent Mortgage Company |
| 46 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 66 | 30 | 75 | 31 | Independent Mortgage Company |
| 47 | TIDEWATER MORTGAGE SERVICES, INC. | 63 | 35 | 71 | 36 | Independent Mortgage Company |
| 48 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 29 | 56 | 49 | Independent Mortgage Company |
| 49 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 19 | 69 | 227 | Independent Mortgage Company |
| 50 | NATIONSTAR MORTGAGE LLC | 60 | 13 | 63 | 85 | 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.