Top 3 Mortgage Lenders in Elkhorn

WV United Federal Credit Union is a highly-rated local financial institution serving McDowell County and surrounding areas including Elkhorn. As a community-focused credit union, they offer personalized mortgage services with competitive rates and flexible terms. Their mortgage specialists have deep knowledge of rural West Virginia housing markets and specialize in USDA loans which are particularly beneficial for Elkhorn residents. Members consistently praise their responsive customer service, local decision-making, and understanding of unique mountain community housing needs.

First Community Bank has been serving southern West Virginia communities for over two decades with a strong presence in Mercer County and surrounding areas. They maintain a dedicated mortgage division with local loan officers who understand the Elkhorn housing market. The bank receives excellent ratings for their competitive mortgage rates, transparent fee structure, and efficient closing process. Their experienced mortgage team specializes in both primary residence and investment property financing throughout the region, with particular expertise in rural property lending.

City National Bank is a well-established West Virginia-based community bank with multiple branches serving the southern coalfields region. They have built a strong reputation for mortgage lending in rural communities like Elkhorn, offering specialized knowledge of mountain terrain properties and local market conditions. Their mortgage team provides personalized service from application through closing, with particular strength in government-backed loans and first-time homebuyer programs. Customers consistently rate them highly for their local expertise, reliable communication, and commitment to West Virginia communities.