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Berkeley County, West Virginia · 2025

Mortgage lenders in Berkeley County, WV: denial rates and top lenders (2025)

302 lenders acted on 7,244 mortgage applications for properties in Berkeley County in 2025. 16.9% were denied (West Virginia: 21.2%). Median rate on closed loans 6.50%; median loan $235,000; median property value $325,000.

7.2kApplications
16.9%Denial ratestate 21.2%
6.50%Median ratestate 6.62%
$235,000Median loan
$325,000Median property value

Largest lenders in Berkeley County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rocket Mortgage C 443337 14.0%6.88%
2 Integrity Home Mortgage B 416342 3.9%6.50%
3 Crosscountry Mortgage B 353248 2.3%6.50%
4 Navy Federal Credit Union D 337189 17.5%7.65%
5 City National Bank of West Virginia C 311208 23.2%6.29%
6 Pennymac Loan Services C 249127 17.3%6.00%
7 United Shore Financial Services B 203151 13.3%6.13%
8 Freedom Mortgage B 20293 10.4%6.25%
9 21st Mortgage F 19130 52.4%10.73%
10 Loandepot.Com D 18093 28.3%6.63%
11 Truist Bank C 17981 44.1%6.80%
12 Mortgage Research Center C 16578 21.8%6.25%
13 NVR Mortgage Finance B 146109 15.1%6.25%
14 Lennar Mortgage A 139115 6.5%6.99%
15 Atlantic Coast Mortgage A 128107 2.3%6.49%
16 Newrez D 12056 14.2%6.43%
17 Rmc Home Mortgage B 10972 4.6%6.63%
18 Jefferson Security Bank C 10777 11.2%—
19 American Pacific Mortgage C 10485 4.8%6.63%
20 Primelending, a Plainscapital A 10380 2.9%6.25%
21 AmeriSave Mortgage D 10234 60.8%8.50%
22 K. Hovnanian American Mortgage B 9567 6.3%6.49%
23 Broker Solutions D 8426 9.5%6.99%
24 CNB Bank B 7964 11.4%—
25 Carrington Mortgage Services D 7631 42.1%6.63%

Best approval odds in Berkeley County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Atlantic Coast Mortgage1172.6%
2Crosscountry Mortgage2633.0%
3Primelending, a Plainscapital893.4%
4Integrity Home Mortgage3844.2%
5American Pacific Mortgage915.5%
6Rmc Home Mortgage776.5%
7Lennar Mortgage1247.3%
8K. Hovnanian American Mortgage738.2%
9Nationstar Mortgage588.6%
10CNB Bank7611.8%

What Berkeley County borrowers applied for

By loan purpose

Home purchase 3,852 53% · 11.5% denied
Refinance 964 13% · 14.5% denied
Cash-out refinance 1,242 17% · 22.7% denied
Home improvement 513 7% · 31.4% denied
Other / HELOC 673 9% · 29.9% denied

By loan type

Conventional 4,471 62% · 19.4% denied
FHA 1,575 22% · 14.4% denied
VA 1,050 14% · 11.6% denied
USDA / RHS 148 2% · 6.8% denied

Why applications were denied

Credit history 336 28%
Debt-to-income ratio 327 27%
Incomplete application 170 14%
Collateral 152 13%
Other 97 8%
Unverifiable information 57 5%
Insufficient cash 42 4%
Employment history 10 1%

Berkeley County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20236,1963,64720.5%6.63%$215,000
20246,8634,18818.6%6.63%$225,000
20257,2444,39116.9%6.50%$235,000

Frequently asked questions

16.9% of applications in Berkeley County were denied in 2025, against 21.2% statewide in West Virginia.

Rocket Mortgage, with 443 applications in 2025 and a denial rate of 14.0%.

The median mortgage application in Berkeley County in 2025 was for $235,000; the median property value on originated loans was $325,000.