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7 Best West Virginia Mortgage Lenders of 2021

See top mortgage lenders in West Virginia for a variety of borrowing needs.

NerdWallet
By
Last updated on January 20, 2021
Edited by
✅ Fact checked and reviewed
Beth Buczynski
Edited by
✅ Fact checked and reviewed

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Best West Virginia Mortgage Lenders

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Lender
NerdWallet Rating
National / regional
Min. down payment
Learn more
PNC

PNC: NMLS#446303

Read review
Jumbo loans
Best for jumbo loans

National

5%

Veterans United

Veterans United: NMLS#1907

Learn more
at Veterans United
at Veterans United
4.5
/5
VA loans
Best for VA loans

National

0%

Learn more
at Veterans United
at Veterans United
loanDepot

loanDepot: NMLS#174457

4.5
/5
FHA loans
Best for FHA loans

National

3.5%

BB&T (Truist)

BB&T (Truist): NMLS#399803

4.5
/5
Home equity loans
Best for cash-out refinancing

Regional

3%

Wells Fargo

Wells Fargo: NMLS#399801

4.5
/5
Refinancing
Best for cash-out refinancing

National

3%

Navy Federal

Navy Federal: NMLS#399807

5.0
/5
VA loans
Best for VA loans

National

0%

PrimeLending

PrimeLending: NMLS#13649

3.0
/5
Home loans overall
Best for USDA loans

National

3%

PNC
Read review
PNC

PNC: NMLS#446303

5.0
Jumbo loans
NerdWallet rating
National / regional

National

Min. down payment

5%

Why We Like ItGood for: borrowers with low to moderate incomes or limited down payments, as well as home buyers seeking mortgages in higher-priced regions of the nation.
Pros
  • Offers several low-down-payment loan options, including FHA, VA, USDA and the PNC Community Loan.
  • Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
  • Mortgage rates are lower than the industry average, according to the latest federal data.
  • Jumbo loans available with 5% down payment.
Cons
  • Doesn't offer renovation mortgages or home equity loans.
  • In-person service is not available in every state.
  • You’ll have to create an account or supply personal data to get answers by phone.
Read Full Review
Veterans United

Veterans United: NMLS#1907

4.5
Min. credit score

620

Min. down payment

0%

Why We Like ItGood for: veterans, active-duty service members and eligible reservists looking for VA loans.
Pros
  • Offers 24/7 customer service over the phone.
  • Offers a free credit counseling service.
  • Mortgage rates are on the low side, according to the latest federal data.
Cons
  • Parent company’s mortgage rates are on the higher side, according to the latest federal data.
  • Does not offer second mortgage options like home equity loans or HELOCs.
loanDepot

loanDepot: NMLS#174457

4.5
Min. credit score

500

Min. down payment

3.5%

Why We Like ItGood for: borrowers who want a lender with deep experience in FHA lending.
Pros
  • Was among the top five lenders by volume for FHA lending in 2022, according to the latest federal data.
  • Online loan calculator lets borrowers compare monthly payments and lifetime interest.
  • Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
Cons
  • Mortgage rates aren't available online; you'll need to contact a loan officer.
  • Origination fees for FHA loans tend to be on the high end, according to the latest federal data.
BB&T (Truist)

BB&T (Truist): NMLS#399803

4.5
Home equity loans
NerdWallet rating
National / regional

Regional

Max LTV

80%

Min. credit score

620

Why We Like ItGood for: borrowers in the Southeast who want the option of face-to-face service. BB&T is now part of Truist Financial Corp., which offers a full menu of home loans.
Pros
  • Offers a variety of home loans, including construction-to-permanent loans, physicians loans and jumbo loans.
  • Has a robust online mortgage application.
Cons
  • Branches limited to mostly the Southeast region.
  • Custom rates are only available if you speak with a representative.
Wells Fargo

Wells Fargo: NMLS#399801

4.5
Min. credit score

620

National / regional

National

Why We Like ItGood for: existing customers of the bank looking for a wide selection of mortgage products.
Pros
  • Sample rates clearly posted for various loan products.
  • Offers a wide variety of loan types and products.
  • Mortgage rates tend to be on the low side compared with other lenders, according to the latest federal data.
Cons
  • Home loans business is broadly focused on bank customers.
  • Doesn’t offer home improvement loans, or home equity loans or lines of credit.
  • Scandals and government actions have damaged consumer trust in recent years.
Navy Federal

Navy Federal: NMLS#399807

National / regional

National

Min. down payment

0%

Why We Like ItGood for: military members and their families looking for low-down-payment mortgages.
Pros
  • Offers a wide range of affordable mortgage products, including 0% down payment loans, designed for military members.
  • Offers HELOCs and home equity loans.
  • Offers low rates compared with most lenders, according to the latest federal data.
Cons
  • Website does not provide customized mortgage rates based on credit score or other factors before you apply.
  • Credit union membership is limited to veterans and current military members, their families, and certain federal employees, retirees and contractors.
PrimeLending

PrimeLending: NMLS#13649

3.0
Home loans overall
NerdWallet rating
Min. credit score

620

Min. down payment

3%

Why We Like ItGood for: borrowers looking for closing cost assistance, as well as those seeking to renovate or to build a new home.
Pros
  • Full online application includes document uploads and automated loan updates.
  • Offers a "float-down" interest rate lock.
  • Offers government-backed mortgage and refinance options, including FHA, USDA and VA loans.
Cons
  • No online mortgage rates — you have to contact the lender for info.
  • Doesn't offer home equity products.

More from NerdWallet

Last updated on January 20, 2021

Methodology

NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage. The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.

To recap our selections...

NerdWallet's Best West Virginia Mortgage Lenders of 2021

  • PNC: Best for jumbo loans
  • Veterans United: Best for VA loans
  • loanDepot: Best for FHA loans
  • BB&T (Truist): Best for cash-out refinancing
  • Wells Fargo: Best for cash-out refinancing
  • Navy Federal: Best for VA loans
  • PrimeLending: Best for USDA loans
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