Mortgage lending in Berkeley County, West Virginia
Lenders in Berkeley County, West Virginia reported 7,244 mortgage applications for 2025, according to the CFPB.
7,244 mortgage applications and 4,391 loans originated in 2025; the denial rate was 21.0% of 5,828 applications decided. The median loan was about $255,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Martinsburg, WV HUD Metro FMR Area.
- 7,244
- Applications
- 4,391
- Loans originated
- 21.0%
- Denial rate
- 1,225 denied of 5,828 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 7,244 | 4,391 |
| 2024 | 6,863 | 4,188 |
| 2023 | 6,196 | 3,647 |
| 2022 | 8,214 | 5,056 |
| 2021 | 11,990 | 7,980 |
| 2020 | 9,309 | 6,181 |
| 2019 | 6,769 | 4,517 |
| 2018 | 5,770 | 3,697 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Integrity Home Mortgage Corporation | 342 | 416 |
| Rocket Mortgage | 337 | 443 |
| Crosscountry Mortgage, LLC | 248 | 353 |
| City National Bank of WV | 208 | 311 |
| Navy Federal Credit Union | 189 | 337 |
| United Wholesale Mortgage | 151 | 203 |
| Pennymac Loan Services LLC | 127 | 249 |
| Lennar Mortgage, LLC | 115 | 139 |
| NVR Mortgage Finance, Inc. | 109 | 146 |
| Atlantic Coast Mortgage, LLC | 107 | 128 |
| loanDepot.com LLC | 93 | 180 |
| Freedom Mortgage Corporation | 93 | 202 |
| American Pacific Mortgage Corporation | 85 | 104 |
| Truist Bank | 81 | 179 |
| Primelending | 80 | 103 |
| Mortgage Research Center | 78 | 165 |
| Jefferson Security Bank | 77 | 107 |
| RMC Home Mortgage, LLC | 72 | 109 |
| K. Hovnanian American Mortgage | 67 | 95 |
| CNB Bank Inc. | 64 | 79 |
| Newrez LLC | 56 | 120 |
| Nationstar Mortgage | 53 | 68 |
| First Heritage Mortgage, LLC | 42 | 54 |
| Union Home Mortgage Corp. | 42 | 49 |
| United Bank VA | 40 | 67 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 39 | no rate: base under 50 |
| Asian | 327 | 16.4% of 250 decided |
| Black or African American | 622 | 25.6% of 477 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 4,749 | 19.7% of 3,888 decided |
| 2 or more minority races | withheld | |
| Joint | 135 | 28.3% of 113 decided |
| Race Not Available | 1,345 | 23.6% of 1,049 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 474 | 23.6% of 373 decided |
| Not Hispanic or Latino | 5,386 | 20.6% of 4,376 decided |
| Joint | 117 | 10.8% of 93 decided |
| Ethnicity Not Available | 1,267 | 22.9% of 986 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,781 | 19.8% of 2,205 decided |
| Female | 1,718 | 27.5% of 1,402 decided |
| Joint | 2,077 | 15.7% of 1,708 decided |
| Sex Not Available | 668 | 26.3% of 513 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 587 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved