Mortgage Lenders and Brokers in Bath (Berkeley Springs), West Virginia
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Bath (Berkeley Springs), West Virginia mortgage lenders include Cnb Bank Inc.Cnb Bank Inc.101 S Washington St, Berkeley Springs, WV 25411A+5.0 ★Texas Ratio: 0.74%, City National Bank of WVCity National Bank of WV601 Alta Drive, Alderson, WV 24910A+5.0 ★Texas Ratio: 1.47%, Truist BankTruist Bank3849 Robert C Byrd Dr, Beckley, WV 25801A+5.0 ★Texas Ratio: 2.87%, Capon Valley BankCapon Valley Bank17558 Old Route 55, Baker, WV 26801A5.0 ★Texas Ratio: 11.21%, M&T BankM&T Bank23 Presidents Street, Fort Ashby, WV 26719A+5.0 ★Texas Ratio: 4.11%, Rocket Mortgage, United Wholesale Mortgage, CrossCountry Mortgage, LLC, Integrity Home Mortgage Corporation, and Everett Financial, Inc.. 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 Bath (Berkeley Springs), West Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Bath (Berkeley Springs) 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 Bath (Berkeley Springs), West Virginia
Market share is the lender's share of all home loans closed in Bath (Berkeley Springs), 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 |
|---|---|---|---|---|---|---|
|
101 S Washington St, Berkeley Springs, WV 25411 A+5.0 ★Texas Ratio: 0.74% |
Conventional | 8 | 13.1% | 100% | $198,750 | View |
|
601 Alta Drive, Alderson, WV 24910 A+5.0 ★Texas Ratio: 1.47% |
Conventional | 2 | 3.3% | 66.7% | $270,000 | View |
|
★ 1 stars, 1 review 3849 Robert C Byrd Dr, Beckley, WV 25801 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 1 +3 HELOCs |
1.6% | 100% | $205,000 | View |
|
17558 Old Route 55, Baker, WV 26801 A5.0 ★Texas Ratio: 11.21% |
Conventional | 1 | 1.6% | 100% | $35,000 | View |
|
23 Presidents Street, Fort Ashby, WV 26719 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
|
Conventional, VA | 8 | 13.1% | 88.9% | $170,000 | |
United Wholesale Mortgage
|
FHA, VA | 5 | 8.2% | 71.4% | $225,000 | |
CrossCountry Mortgage, LLC
|
Conventional, VA, USDA | 4 | 6.6% | 80% | $305,000 | |
Integrity Home Mortgage Corporation
|
FHA, USDA | 3 | 4.9% | 100% | $211,666 | |
Everett Financial, Inc.
|
USDA | 2 | 3.3% | 100% | $265,000 | |
Mortgage Research Center
|
VA | 2 | 3.3% | 50% | $360,000 | |
Farmers and Merchants Trust Company of Chambersburg
|
Conventional | 2 | 3.3% | 66.7% | $305,000 | |
Mortgage Solutions of Colorado
|
VA | 2 | 3.3% | 100% | $350,000 | |
New American Funding, LLC.
|
Conventional | 2 | 3.3% | 66.7% | $125,000 | |
|
C3.9 ★Texas Ratio: 27.97% |
VA | 1 | 1.6% | 100% | $295,000 | View |
Atlantic Coast Mortgage, LLC
|
FHA | 1 | 1.6% | 100% | $175,000 | |
|
A+5.0 ★Texas Ratio: 2.49% |
FHA | 1 | 1.6% | 100% | $275,000 | View |
Sage Home Loans Corporation
|
FHA | 1 | 1.6% | 100% | $205,000 | |
|
A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 1.6% | 100% | $215,000 | View |
Pennymac Loan Services LLC
|
FHA | 1 | 1.6% | 100% | $175,000 | |
Guild Mortgage Company
|
USDA | 1 | 1.6% | 100% | $165,000 | |
Sun West Mortgage Company, Inc
|
FHA | 1 | 1.6% | 100% | $275,000 | |
Total Mortgage Services, LLC
|
FHA | 1 | 1.6% | 100% | $265,000 | |
Planet Home Lending, LLC
|
VA | 1 | 1.6% | 100% | $315,000 | |
Embrace Home Loans, Inc.
|
FHA | 1 | 1.6% | 100% | $265,000 | |
Direct Mortgage Loans, LLC
|
FHA | 1 | 1.6% | 100% | $195,000 | |
|
A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1.6% | 100% | $185,000 | View |
American Pacific Mortgage Corporation
|
Conventional | 1 | 1.6% | 100% | $445,000 | |
Nationstar Mortgage
|
Conventional | 1 | 1.6% | 100% | $185,000 | |
Horizon Farm Credit, ACA
|
Conventional | 1 | 1.6% | 100% | $165,000 | |
|
A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 1.6% | 100% | $625,000 | View |
|
B+4.8 ★Texas Ratio: 16.98% |
FHA | 1 | 1.6% | 100% | $195,000 | View |
|
A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 1.6% | 100% | $285,000 | View |
Patriot FCU
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
|
A+5.0 ★Texas Ratio: 4.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Figure Lending LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Bath (Berkeley Springs) 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 Bath (Berkeley Springs), West Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Bath (Berkeley Springs)? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Bath (Berkeley Springs) in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Bath (Berkeley Springs), WV
Use these to narrow the list above. Each category shows how many Bath (Berkeley Springs), WV lenders fit and what that kind of lender is usually best for.
Who Lends in Bath (Berkeley Springs), WV
Independent mortgage companies closed 67.2 percent of home loans in Bath (Berkeley Springs), West Virginia in 2025, banks 32.8 percent and credit unions 0 percent. Rocket Mortgage was the largest mortgage company, Cnb Bank Inc. the largest bank and Patriot FCU the largest credit union. Among lenders headquartered in West Virginia, Cnb Bank Inc. led with 8 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 Bath (Berkeley Springs), WV
By home loans closed in 2025, Cnb Bank Inc. was the largest mortgage lender in Bath (Berkeley Springs), West Virginia with 8 loans, about 13.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in Bath (Berkeley Springs), West Virginia in 2025, led by United Wholesale Mortgage with 2. 7 lenders closed VA loans, led by United Wholesale Mortgage, and 4 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. 13 banks and 1 credit unions closed home loans in Bath (Berkeley Springs), West Virginia in 2025, alongside 22 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 Bath (Berkeley Springs), 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 Bath (Berkeley Springs), 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 Bath (Berkeley Springs). 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.
