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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 USDA 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	Truist Bank	Exceptional	Exceptional	Exceptional	Sound	Exceptional	$1,487	+0.238%	366
2	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,564	+0.346%	467
3	HOMESPIRE MORTGAGE CORPORATION	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$3,233	+0.236%	309
4	NEWREZ LLC	Exceptional	Strong	Exceptional	Strong	Strong	$2,355	+0.513%	97
5	Alcova Mortgage LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,158	+0.723%	175
6	The Huntington National Bank	Strong	Sound	Exceptional	Sound	Exceptional	$417	+0.321%	586
7	C & F Mortgage Corporation	Strong	Sound	Strong	Exceptional	Strong	$3,139	+0.481%	47
8	WesBanco Bank, Inc.	Strong	Sound	Strong	Sound	Exceptional	$1,769	+0.053%	565
9	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,401	+0.367%	417
10	Gateway First Bank	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,970	+0.637%	270
11	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Sound	Strong	$2,392	+0.373%	75
12	LOANDEPOT.COM, LLC	Strong	Acceptable	Exceptional	Sound	Exceptional	$1,974	+0.263%	642
13	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,335	+0.738%	184
14	Atlantic Union Bank	Strong	Acceptable	Exceptional	Strong	Strong	$1,856	+0.590%	148
15	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$4,613	+0.441%	101
16	STOCKTON MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,681	+0.871%	77
17	MOVEMENT MORTGAGE, LLC	Strong	Mediocre	Exceptional	Strong	Exceptional	$2,559	+0.527%	662
18	Integrity Home Mortgage Corporation	Strong	Mediocre	Exceptional	Strong	Exceptional	$4,298	+0.521%	414
19	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,756	+0.402%	43
20	Equity Prime Mortgage LLC	Strong	Acceptable	Exceptional	Strong	Sound	$1,966	+0.886%	42
21	CROSSCOUNTRY MORTGAGE, LLC	Strong	Mediocre	Exceptional	Strong	Strong	$3,364	+0.729%	227
22	NEW AMERICAN FUNDING, LLC	Strong	Mediocre	Exceptional	Strong	Strong	$2,771	+1.157%	129
23	UNION HOME MORTGAGE CORP.	Strong	Mediocre	Exceptional	Strong	Strong	$2,930	+0.643%	114
24	SUCCESS MORTGAGE PARTNERS, INC.	Strong	Mediocre	Exceptional	Strong	Strong	$3,265	+1.029%	69
25	EMBRACE HOME LOANS, INC.	Strong	Acceptable	Strong	Strong	Sound	$2,870	+0.213%	52
26	TIDEWATER MORTGAGE SERVICES, INC.	Strong	Acceptable	Strong	Strong	Sound	$3,112	+0.386%	36
27	POLARIS HOME FUNDING CORP.	Sound	Mediocre	Exceptional	Strong	Sound	$2,422	+0.622%	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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