# Best USDA Mortgage Lenders in West Virginia

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

Compare the top USDA 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/usda-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 | UNITED WHOLESALE MORTGAGE, LLC | 89 | 62 | 75 | 467 | Independent Mortgage Company |
| 2 | Truist Bank | 88 | 88 | 53 | 366 | Bank |
| 3 | HOMESPIRE MORTGAGE CORPORATION | 88 | 44 | 85 | 309 | Independent Mortgage Company |
| 4 | NEWREZ LLC | 85 | 65 | 69 | 97 | Independent Mortgage Company |
| 5 | Alcova Mortgage LLC | 83 | 49 | 84 | 175 | Independent Mortgage Company |
| 6 | C & F Mortgage Corporation | 79 | 47 | 81 | 47 | Independent Mortgage Company |
| 7 | The Huntington National Bank | 77 | 45 | 55 | 586 | Bank |
| 8 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 22 | 77 | 417 | Independent Mortgage Company |
| 9 | Gateway First Bank | 75 | 32 | 72 | 270 | Bank |
| 10 | WesBanco Bank, Inc. | 73 | 58 | 58 | 565 | Bank |
| 11 | Flagstar Bank, N.A. | 73 | 41 | 58 | 75 | Bank |
| 12 | GUARANTEED RATE, INC. | 71 | 34 | 67 | 184 | Independent Mortgage Company |
| 13 | Atlantic Union Bank | 71 | 39 | 77 | 148 | Bank |
| 14 | Sierra Pacific Mortgage Company, Inc. | 71 | 29 | 66 | 101 | Independent Mortgage Company |
| 15 | STOCKTON MORTGAGE CORPORATION | 71 | 23 | 70 | 77 | Independent Mortgage Company |
| 16 | LOANDEPOT.COM, LLC | 70 | 31 | 59 | 642 | Independent Mortgage Company |
| 17 | T2 FINANCIAL LLC | 66 | 33 | 74 | 43 | Independent Mortgage Company |
| 18 | Equity Prime Mortgage LLC | 66 | 37 | 72 | 42 | Independent Mortgage Company |
| 19 | MOVEMENT MORTGAGE, LLC | 63 | 8 | 70 | 662 | Independent Mortgage Company |
| 20 | Integrity Home Mortgage Corporation | 63 | 18 | 75 | 414 | Independent Mortgage Company |
| 21 | EMBRACE HOME LOANS, INC. | 63 | 27 | 72 | 52 | Independent Mortgage Company |
| 22 | TIDEWATER MORTGAGE SERVICES, INC. | 63 | 30 | 76 | 36 | Independent Mortgage Company |
| 23 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 7 | 70 | 227 | Independent Mortgage Company |
| 24 | NEW AMERICAN FUNDING, LLC | 60 | 5 | 62 | 129 | Independent Mortgage Company |
| 25 | UNION HOME MORTGAGE CORP. | 60 | 15 | 68 | 114 | Independent Mortgage Company |
| 26 | SUCCESS MORTGAGE PARTNERS, INC. | 60 | N/A | 75 | 69 | Independent Mortgage Company |
| 27 | POLARIS HOME FUNDING CORP. | 56 | 11 | 74 | 36 | Independent Mortgage Company |
| 28 | CONSUMER REAL ESTATE FINANCE CO. | 52 | N/A | 50 | 31 | 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.