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8 Best West Virginia Mortgage Lenders of 2021

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

By
NerdWallet
Mar 7, 2023

Some or all of the mortgage lenders featured on our site are advertising partners of NerdWallet, but this does not influence our evaluations, lender star ratings or the order in which lenders are listed on the page. Our opinions are our own. Here is a list of our partners.

Best West Virginia Mortgage Lenders

Lender
NerdWallet Rating
National / regional
Max LTV
Min. credit score
Learn more
BB&T (Truist)

BB&T (Truist): NMLS#399803

Read review
4.5/5
Best for cash-out refinancing

Regional

80%

620

loanDepot

loanDepot: NMLS#174457

3.5/5
Best for FHA loans

National

N/A

520

Navy Federal

Navy Federal: NMLS#399807

4.5/5
Best for VA loans

National

N/A

N/A

PNC

PNC: NMLS#446303

4.5/5
Best for jumbo loans

National

N/A

680

PrimeLending

PrimeLending: NMLS#13649

3.5/5
Best for USDA loans

National

N/A

620

4.0/5
Best for FHA loans

National

N/A

580

Veterans United

Veterans United: NMLS#1907

4.0/5
Best for VA loans

National

N/A

620

Wells Fargo

Wells Fargo: NMLS#399801

4.0/5
Best for cash-out refinancing

National

N/A

620

BB&T (Truist)
Read review
BB&T (Truist)

BB&T (Truist): NMLS#399803

4.5
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.
loanDepot

loanDepot: NMLS#174457

Min. credit score

520

Min. down payment

3.5%

Why We Like ItGood for: borrowers who want an easy online application and a variety of loan types to explore.
Pros
  • Has branches across the country for customers who prefer face-to-face service.
  • Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
  • Mortgage interest rates tend to be on the lower end, according to the latest federal data.
Cons
  • Mortgage rates aren't available online; you'll need to contact a loan officer.
  • Doesn't offer home equity loans or lines of credit.
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.
PNC

PNC: NMLS#446303

National / regional

National

Min. down payment

20%

Why We Like ItIdeal for those looking for online application support and a variety of jumbo loan term options
Pros
  • Online tools help you estimate mortgage payments and track application progress.
  • Can be used for primary or second home purchases.
  • $5 million max jumbo loan amount.
Cons
  • Doesn't offer renovation mortgages.
  • In-person service is not available in every state.
PrimeLending

PrimeLending: NMLS#13649

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.
Why We Like ItGood for: borrowers who appreciate convenience online and on the go for a fully digital home loan experience with consistently acclaimed customer service.
Pros
  • Caters to self-service users who want to apply for a home loan online and talk to a human only as necessary.
  • Estimates the loan amount you’ll qualify for within minutes.
  • Streamlines the online process with document and asset retrieval capabilities, including the ability to edit your preapproval letter.
Cons
  • Getting a customized interest rate requires a credit check, which can affect your credit score.
  • Doesn't offer home equity loans or lines of credit.
  • Lender fees are on the high side and the fees aren't offset by particularly low mortgage rates, according to the latest data.
Veterans United

Veterans United: NMLS#1907

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
  • Doesn’t offer home equity loans or HELOCs.
  • Veterans United doesn't have branch offices in every state.
Wells Fargo

Wells Fargo: NMLS#399801

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.

More from NerdWallet

Last updated on March 7, 2023

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

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