# Best VA Mortgage Lenders in West Virginia

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

Compare the top VA 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/va-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 | 95 | 64 | 83 | 467 | Independent Mortgage Company |
| 2 | The Huntington National Bank | 89 | 77 | 63 | 586 | Bank |
| 3 | MOVEMENT MORTGAGE, LLC | 88 | 45 | 81 | 662 | Independent Mortgage Company |
| 4 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 88 | 48 | 82 | 417 | Independent Mortgage Company |
| 5 | GUARANTEED RATE, INC. | 85 | 79 | 70 | 184 | Independent Mortgage Company |
| 6 | FREEDOM MORTGAGE CORPORATION | 85 | 61 | 63 | 122 | Independent Mortgage Company |
| 7 | U.S. Bank National Association | 85 | 71 | 65 | 91 | Bank |
| 8 | PENNYMAC LOAN SERVICES, LLC | 85 | 61 | 62 | 82 | Independent Mortgage Company |
| 9 | LOANDEPOT.COM, LLC | 83 | 53 | 69 | 642 | Independent Mortgage Company |
| 10 | HOMESPIRE MORTGAGE CORPORATION | 83 | 50 | 85 | 309 | Independent Mortgage Company |
| 11 | Gateway First Bank | 83 | 42 | 78 | 270 | Bank |
| 12 | NAVY FEDERAL CREDIT UNION | 83 | 91 | 59 | 248 | Credit Union |
| 13 | INTERCOASTAL MORTGAGE, LLC | 83 | 46 | 81 | 223 | Independent Mortgage Company |
| 14 | First Heritage Mortgage, LLC | 83 | 52 | 90 | 175 | Independent Mortgage Company |
| 15 | NBKC BANK | 83 | 91 | 75 | 31 | Bank |
| 16 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 1,554 | Independent Mortgage Company |
| 17 | WesBanco Bank, Inc. | 79 | 80 | 53 | 565 | Bank |
| 18 | Truist Bank | 79 | 71 | 60 | 366 | Bank |
| 19 | JPMorgan Chase Bank, National Association | 79 | 75 | 54 | 199 | Bank |
| 20 | USAA Federal Savings Bank | 79 | 62 | 58 | 100 | Bank |
| 21 | NEWREZ LLC | 79 | 47 | 63 | 97 | Independent Mortgage Company |
| 22 | Mortgage Research Center, LLC | 75 | 34 | 61 | 554 | Independent Mortgage Company |
| 23 | Integrity Home Mortgage Corporation | 75 | 40 | 80 | 414 | Independent Mortgage Company |
| 24 | Atlantic Coast Mortgage, LLC | 75 | 37 | 86 | 193 | Independent Mortgage Company |
| 25 | Alcova Mortgage LLC | 75 | 32 | 86 | 175 | Independent Mortgage Company |
| 26 | Atlantic Union Bank | 74 | 42 | 63 | 148 | Bank |
| 27 | RMC HOME MORTGAGE, LLC | 74 | 45 | 72 | 49 | Independent Mortgage Company |
| 28 | Clear Mountain Bank | 73 | 51 | 76 | 175 | Bank |
| 29 | Wells Fargo Bank, National Association | 73 | 53 | 55 | 77 | Bank |
| 30 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 32 | 71 | 227 | Independent Mortgage Company |
| 31 | UNION HOME MORTGAGE CORP. | 71 | 25 | 79 | 114 | Independent Mortgage Company |
| 32 | Sierra Pacific Mortgage Company, Inc. | 71 | 38 | 77 | 101 | Independent Mortgage Company |
| 33 | NATIONSTAR MORTGAGE LLC | 71 | 20 | 69 | 85 | Independent Mortgage Company |
| 34 | STOCKTON MORTGAGE CORPORATION | 71 | 22 | 65 | 77 | Independent Mortgage Company |
| 35 | PNC Bank, National Association | 69 | 50 | 51 | 102 | Bank |
| 36 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 66 | 26 | 69 | 31 | Independent Mortgage Company |
| 37 | AMERISAVE MORTGAGE CORPORATION | 63 | 21 | 42 | 91 | Independent Mortgage Company |
| 38 | EMBRACE HOME LOANS, INC. | 63 | 38 | 77 | 52 | Independent Mortgage Company |
| 39 | CALCON MUTUAL MORTGAGE LLC | 63 | 25 | 62 | 31 | Independent Mortgage Company |
| 40 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 26 | 51 | 49 | Independent Mortgage Company |
| 41 | Equity Prime Mortgage LLC | 62 | 20 | 57 | 42 | Independent Mortgage Company |
| 42 | VICTORIAN FINANCE, LLC | 60 | 11 | 71 | 166 | Independent Mortgage Company |
| 43 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 58 | 129 | Independent Mortgage Company |
| 44 | GO MORTGAGE, LLC | 53 | 15 | 69 | 37 | 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.