7 Best West Virginia Mortgage Lenders of 2021
See top mortgage lenders in West Virginia for a variety of borrowing needs.
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Whether you're buying a home or refinancing your home loan in West Virginia, you have a broad selection of mortgage companies.
To narrow down your choices and simplify the process, NerdWallet has put together this list of reviewed lenders in West Virginia that offer a variety of loan products.
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
7 Best West Virginia Mortgage Lenders of 2021
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Lender ▾ ▾ | NerdWallet Rating ▾ ▾ | National / regional ▾ ▾ | Min. down payment ▾ ▾ | Learn more |
|---|---|---|---|---|
National | 5% | |||
National | 0% | Learn more at Veterans United | ||
National | 3.5% | |||
Regional | 3% | |||
National | 3% | |||
National | 0% | |||
National | 3% |
- Why We Like ItPNC does a significant amount of business in jumbo loans and will finance a larger loan amount than many other lenders we review, but access to customer service requires supplying personal information.Pros
- Average jumbo origination fees are on the low side, according to the latest federal data.
- Jumbo loans made up almost 20% of purchase originations in 2023.
- Jumbo financing available for up to $5M.
Cons- Getting customer service over the phone requires sharing personal data if you don't already have an account.
- In-person service is not available in every state.
- Online rate quotes are only available for loans up to $2.5M.
- Why We Like ItVeterans United is the largest VA loan originator in the country by far, according to the latest federal data.Pros
- Specializes in working with military borrowers.
- Offers VA refinancing.
- Sample interest rates are posted online.
Cons- Interest rates are on the higher end compared to other VA lenders.
- Does not offer VA renovation loans.
- Why We Like ItWorking with LoanDepot partners offers the potential for a streamlined mortgage process and cash back, and the lender offers a wide variety of FHA loan types.Pros
- Offers a variety of repayment terms for fixed-rate loans.
- Does a substantial amount of business in FHA lending.
- mello smartloan product can streamline mortgage application, appraisal and title search.
Cons- Interest rates are not available on the website.
- Can't apply for a mortgage on the lender's mobile app.
BB&T (Truist): NMLS#399803
Regional
80%
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: NMLS#399801
620
National
- Why We Like ItWhile Wells Fargo earns solid scores in our rankings, its consumer trust track record is rough. The lender focuses its mortgage lending on banking customers and borrowers in underserved communities.Pros
- Low average refinance rates and fees, according to the latest federal data.
- High market share of refinance loans.
- Offers discounts to Wells Fargo banking customers with substantial assets.
Cons- Home loans business is broadly focused on existing bank customers.
- Scandals and government actions have damaged consumer trust in recent years.
- Why We Like ItNavy Federal Credit Union stands out for having exceptionally low VA interest rates and fees.Pros
- Best-scoring VA lender for interest rates and fees.
- Offers VA refinancing.
- Specializes in working with military borrowers.
Cons- Does not offer VA renovation loans.
PrimeLending: NMLS#13649
620
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.
NerdWallet's Best West Virginia Mortgage Lenders of 2021
- PNC Bank: 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
