Mortgage Lenders and Brokers in Ridgeley, West Virginia
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Ridgeley, West Virginia mortgage lenders include Truist BankTruist Bank3849 Robert C Byrd Dr, Beckley, WV 25801A+5.0 ★Texas Ratio: 2.87%, M&T BankM&T Bank23 Presidents Street, Fort Ashby, WV 26719A+5.0 ★Texas Ratio: 4.11%, Clear Mountain BankClear Mountain Bank15 Sweetbrier Ln, Bridgeport, WV 26330A+5.0 ★Texas Ratio: 2.01%, Fnb Bank, IncFnb Bank, Inc16125 Northwestern Pike, Augusta, WV 26704A+5.0 ★Texas Ratio: 3.64%, ALCOVA Mortgage, LLC, Rocket Mortgage, First Peoples Cfcu, Chessie Federal Credit UnionChessie Federal Credit UnionA+5.0 ★Texas Ratio: 2.92%, C&F Mortgage CorporationC&F Mortgage CorporationA+5.0 ★Texas Ratio: 4.11%, and Pennymac Loan Services LLC. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Ridgeley, West Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ridgeley are listed first, then lenders elsewhere in West Virginia, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Ridgeley, West Virginia
Market share is the lender's share of all home loans closed in Ridgeley, West Virginia. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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★ 1 stars, 1 review 3849 Robert C Byrd Dr, Beckley, WV 25801 A+5.0 ★Texas Ratio: 2.87% |
FHA, VA, HELOC | 2 +2 HELOCs |
4.4% | 100% | $140,000 | View |
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23 Presidents Street, Fort Ashby, WV 26719 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 1 +2 HELOCs |
2.2% | 100% | $165,000 | View |
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15 Sweetbrier Ln, Bridgeport, WV 26330 A+5.0 ★Texas Ratio: 2.01% |
Conventional | 1 | 2.2% | 100% | $225,000 | View |
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16125 Northwestern Pike, Augusta, WV 26704 A+5.0 ★Texas Ratio: 3.64% |
Conventional | 1 | 2.2% | 100% | $45,000 | View |
ALCOVA Mortgage, LLC
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Conventional, FHA, USDA | 7 | 15.6% | 100% | $155,000 | |
Rocket Mortgage
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Conventional, VA | 5 | 11.1% | 83.3% | $127,000 | |
First Peoples Cfcu
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Conventional | 5 | 11.1% | 100% | $139,000 | |
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A+5.0 ★Texas Ratio: 2.92% |
Conventional | 5 | 11.1% | 100% | $117,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 2 | 4.4% | 100% | $215,000 | View |
Pennymac Loan Services LLC
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Conventional, FHA | 2 | 4.4% | 40% | $90,000 | |
ACT 1st FCU
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Conventional | 2 | 4.4% | 100% | $100,000 | |
Tidewater Mortgage Services, Inc
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Conventional | 1 | 2.2% | 100% | $205,000 | |
United Wholesale Mortgage
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Conventional | 1 | 2.2% | 100% | $265,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 2.2% | 100% | $135,000 | |
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A+5.0 ★Texas Ratio: 2.49% |
VA | 1 | 2.2% | 100% | $305,000 | View |
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A+5.0 ★Texas Ratio: 5.29% |
Conventional | 1 | 2.2% | 100% | $55,000 | View |
HomeBridge Financial Services, Inc
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FHA | 1 | 2.2% | 100% | $145,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 2.2% | 100% | $105,000 | |
First United Bank & Trust
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Conventional | 1 | 2.2% | 100% | $105,000 | |
Nationstar Mortgage
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FHA | 1 | 2.2% | 100% | $205,000 | |
Mortgage Research Center
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VA | 1 | 2.2% | 100% | $245,000 | |
Zillow Home Loans, LLC
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VA | 1 | 2.2% | 100% | $245,000 | |
New American Funding, LLC.
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VA | 1 | 2.2% | 50% | $215,000 |
Ridgeley Mortgage Rate Trends
Daily average mortgage rates for West Virginia compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Ridgeley, West Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Ridgeley? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ridgeley in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ridgeley, WV
Use these to narrow the list above. Each category shows how many Ridgeley, WV lenders fit and what that kind of lender is usually best for.
Who Lends in Ridgeley, WV
Independent mortgage companies closed 53.3 percent of home loans in Ridgeley, West Virginia in 2025, banks 20 percent and credit unions 26.7 percent. ALCOVA Mortgage, LLC was the largest mortgage company, Truist Bank the largest bank and First Peoples Cfcu the largest credit union. Among lenders headquartered in West Virginia, Clear Mountain Bank led with 1 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in West Virginia. State excise tax of $1.10 per $500 plus a county tax of at least $0.55 per $500 that counties may raise to $1.65 per $500, so total transfer tax runs $1.65 to $2.75 per $500 (0.33 to 0.55 percent), paid by the seller (W. Va. Code 11-22-2); no mortgage tax.
More West Virginia Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Ridgeley, WV
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Ridgeley, West Virginia with 2 loans, about 4.4 percent of the market. The largest lender headquartered in West Virginia was Clear Mountain Bank with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
7 lenders closed FHA loans in Ridgeley, West Virginia in 2025, led by ALCOVA Mortgage, LLC with 5. 6 lenders closed VA loans, led by Truist Bank, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 7 banks and 3 credit unions closed home loans in Ridgeley, West Virginia in 2025, alongside 13 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Ridgeley, West Virginia during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Ridgeley, West Virginia for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Ridgeley. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
