Mortgage lenders in Berkeley County
4,391 mortgages were made in Berkeley County, West Virginia, in 2025, by 311 lenders. The median rate their borrowers got was 6.500% on a median loan of $255,000. Of 5,827 decisions, 1,225 were denials — 21.0%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Integrity Home Mortgage Corporation | 342 | 6.500% | $285,000 | 4.2% |
| Rocket Mortgage, LLC | 337 | 6.875% | $205,000 | 14.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 248 | 6.500% | $285,000 | 3.0% |
| City National Bank of West Virginia | 208 | 6.290% | $115,000 | 24.7% |
| Navy Federal Credit Union | 189 | 7.650% | $175,000 | 23.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 151 | 6.125% | $295,000 | 14.5% |
| PENNYMAC LOAN SERVICES, LLC | 127 | 6.000% | $235,000 | 25.3% |
| LENNAR MORTGAGE, LLC | 115 | 6.990% | $205,000 | 7.3% |
| NVR Mortgage Finance, Inc. | 109 | 6.250% | $285,000 | 16.8% |
| Atlantic Coast Mortgage, LLC | 107 | 6.490% | $285,000 | 2.6% |
| FREEDOM MORTGAGE CORPORATION | 93 | 6.250% | $295,000 | 15.8% |
| Loandepot.Com, LLC | 93 | 6.625% | $195,000 | 35.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 85 | 6.625% | $275,000 | 5.5% |
| Truist Bank | 81 | 6.800% | $105,000 | 48.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 80 | 6.250% | $260,000 | 3.4% |
| Mortgage Research Center, LLC | 78 | 6.250% | $315,000 | 31.3% |
| Jefferson Security Bank | 77 | Not published | $195,000 | 12.9% |
| RMC HOME MORTGAGE, LLC | 72 | 6.625% | $315,000 | 6.5% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 67 | 6.490% | $345,000 | 8.2% |
| CNB Bank, Inc. | 64 | Not published | $285,000 | 11.8% |
| NEWREZ LLC | 56 | 6.433% | $275,000 | 22.4% |
| NATIONSTAR MORTGAGE LLC | 53 | 8.250% | $105,000 | 8.6% |
| First Heritage Mortgage, LLC | 42 | 6.125% | $295,000 | 4.6% |
| UNION HOME MORTGAGE CORP. | 42 | 5.995% | $295,000 | 4.4% |
| United Bank | 40 | 6.835% | $205,000 | 27.3% |
| PATRIOT | 38 | 4.990% | $80,000 | 36.1% |
| Bank of Charles Town | 35 | Not published | $235,000 | 12.8% |
| AmeriSave Mortgage Corporation | 34 | 8.500% | $75,000 | 64.6% |
| INTERCOASTAL MORTGAGE, LLC | 34 | 6.625% | $265,000 | 5.0% |
| EMBRACE HOME LOANS, INC. | 32 | 6.490% | $290,000 | 5.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 31 | 6.625% | $165,000 | 48.5% |
| GUILD MORTGAGE COMPANY | 31 | 6.490% | $245,000 | 10.5% |
| 21st Mortgage Corporation | 30 | 10.725% | $85,000 | 76.3% |
| Farmers and Merchants Trust Company of Chambersburg | 29 | 6.375% | $295,000 | 6.5% |
| PNC Bank, National Association | 28 | 7.330% | $105,000 | 32.6% |
| VILLAGE CAPITAL & INVESTMENT LLC | 28 | 5.750% | $310,000 | 9.5% |
| Manufacturers and Traders Trust Company | 28 | 5.990% | $95,000 | 28.2% |
| LAKEVIEW LOAN SERVICING, LLC | 27 | 6.750% | $225,000 | 44.4% |
| Broker Solutions, Inc. | 26 | 6.990% | $260,000 | 23.5% |
| Prosperity Home Mortgage, LLC | 25 | 6.125% | $305,000 | 3.9% |
| PLANET HOME LENDING, LLC | 25 | 5.990% | $295,000 | 18.8% |
| NFM, INC. | 24 | 6.438% | $315,000 | 0.0% |
| Apple Federal Credit Union | 21 | 6.990% | $125,000 | 22.2% |
| DHI MORTGAGE COMPANY, LTD. | 21 | 5.990% | $355,000 | 8.7% |
| CMG MORTGAGE, INC. | 17 | 6.625% | $265,000 | 0.0% |
| The Federal Savings Bank | 16 | 6.438% | $290,000 | 0.0% |
| LOWER, LLC | 16 | 6.500% | $245,000 | 23.8% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 16 | 5.308% | $140,000 | 29.2% |
| TRIAD FINANCIAL SERVICES, INC. | 15 | 8.760% | $75,000 | 57.1% |
| Bank of America, National Association | 15 | 6.250% | $135,000 | 60.0% |
| PENTAGON FEDERAL CREDIT UNION | 15 | 6.875% | $205,000 | 28.6% |
| EVERETT FINANCIAL, INC. | 15 | 6.500% | $275,000 | 5.9% |
| FIGURE LENDING LLC | 14 | 8.175% | $55,000 | 18.5% |
| Wells Fargo Bank, National Association | 14 | 6.563% | $225,000 | 30.0% |
| Waterstone Mortgage Corporation | 14 | 6.625% | $290,000 | 0.0% |
| Fulton Bank, National Association | 14 | 6.500% | $245,000 | 12.5% |
| U.S. Bank National Association | 13 | 6.875% | $175,000 | 48.0% |
| Paramount Residential Mortgage Group, Inc. | 13 | 6.250% | $275,000 | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 13 | 6.875% | $235,000 | 0.0% |
| T2 FINANCIAL LLC | 13 | 6.625% | $275,000 | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 12 | 9.350% | $65,000 | 71.7% |
| Discover Bank | 12 | 8.620% | $60,000 | 60.0% |
| GUARANTEED RATE, INC. | 12 | 6.463% | $330,000 | 13.3% |
| Coastal Community Bank | 12 | 10.990% | $45,000 | 5.0% |
| Burke & Herbert Bank & Trust Company | 12 | 7.875% | $65,000 | 20.0% |
| Commerce Home Mortgage, Inc. | 12 | 6.933% | $225,000 | 7.7% |
| THE LOAN STORE, INC. | 12 | 6.688% | $240,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 11 | 6.125% | $325,000 | 8.3% |
| ZILLOW HOME LOANS, LLC | 11 | 6.500% | $255,000 | 0.0% |
| Bank of Clarke | 11 | Not published | $285,000 | 8.3% |
| Vellum Mortgage, Inc. | 11 | 6.750% | $295,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 10 | 10.990% | $80,000 | 75.6% |
| BETTER MORTGAGE CORPORATION | 10 | 6.750% | $185,000 | 41.2% |
| USAA Federal Savings Bank | 10 | 6.500% | $310,000 | 33.3% |
| PHH Mortgage Corporation | 10 | 5.933% | $245,000 | 9.1% |
| MOVEMENT MORTGAGE, LLC | 10 | 6.438% | $250,000 | 25.0% |
| United Nations Federal Credit Union | 10 | 6.125% | $210,000 | 9.1% |
| DEEPHAVEN MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| TOWER Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 18.2% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| NBKC BANK | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NextMortgage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Shore United Bank, N.A. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| AMERIHOME MORTGAGE COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Luminate Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ACNB Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| The Huntington National Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| DIRECT MORTGAGE LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Farm Credit, ACA | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 50.0% |
| C & F Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MICHIGAN MUTUAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FIRST UNITED CORPORATION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MILLENNIUM FINANCIAL GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Union Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| BAYER HERITAGE CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Ameris Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Presidential Bank, FSB | 3 | Under 10 loans | Under 10 loans | 40.0% |
| KIND LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Dart Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First-Citizens Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Romney | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| OriginPoint, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| FBC MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| First National Bank of Pennsylvania | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGEONE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CONSUMER REAL ESTATE FINANCE CO. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Grant County Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAPON VALLEY BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FCB Banks | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 25.0% |
| State Department Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| JAMS-01, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Middletown Valley Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JUSTICE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORIA DEVELOPMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 111 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Berkeley County
25 FDIC-insured branches from 9 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| United Bank | 4 | $652.7 million |
| City National Bank of West Virginia | 4 | $270.1 million |
| Truist Bank | 3 | $389.2 million |
| Burke & Herbert Bank & Trust Company | 3 | $194.6 million |
| First United Bank & Trust | 3 | $165.9 million |
| CNB Bank, Inc. | 3 | $161.8 million |
| Jefferson Security Bank | 2 | $194.3 million |
| Potomac Bank | 2 | $136.3 million |
| Woodforest National Bank | 1 | $5.0 million |
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When the next year’s lending figures are out for Berkeley County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.