Mortgage Lenders and Brokers in Charles Town, West Virginia
Brian McKay
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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.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Charles Town, West Virginia mortgage lenders include City National Bank of WVCity National Bank of WV1034 S George St, Charles Town, WV 25414A+5.0 ★Texas Ratio: 1.47%, Jefferson Security BankJefferson Security Bank873 E Washington St, Charles Town, WV 25414A+4.9 ★Texas Ratio: 0.10%, Potomac BankPotomac Bank111 E Washington St, Charles Town, WV 25414A+5.0 ★Texas Ratio: 0.66%, Truist BankTruist Bank29 Keyes Ferry Rd, Charles Town, WV 25414A+5.0 ★Texas Ratio: 2.87%, United Bank VaUnited Bank Va106 W Washington St, Charles Town, WV 25414A+5.0 ★Texas Ratio: 2.15%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA6327 Route 60 East, Barboursville, WV 25504A+5.0 ★Texas Ratio: 3.68%, Cnb Bank Inc.Cnb Bank Inc.101 S Washington St, Berkeley Springs, WV 25411A+5.0 ★Texas Ratio: 0.74%, M&T BankM&T Bank23 Presidents Street, Fort Ashby, WV 26719A+5.0 ★Texas Ratio: 4.11%, PNC Bank N.A.PNC Bank N.A.1550 University Ave, Morgantown, WV 26506A+5.0 ★Texas Ratio: 4.24%, and First Heritage Mortgage, LLC. 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 Charles Town, West Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Charles Town 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 Charles Town, West Virginia
Market share is the lender's share of all home loans closed in Charles Town, 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 |
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1 office in Charles Town 1034 S George St, Charles Town, WV 25414 A+5.0 ★Texas Ratio: 1.47% |
Conventional, HELOC | 18 +5 HELOCs |
2.7% | 81.8% | $255,555 | View |
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1 office in Charles Town 873 E Washington St, Charles Town, WV 25414 A+4.9 ★Texas Ratio: 0.10% |
Conventional | 11 | 1.7% | 100% | $361,363 | View |
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111 E Washington St, Charles Town, WV 25414 A+5.0 ★Texas Ratio: 0.66% |
Conventional | 8 | 1.2% | 100% | $183,750 | View |
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★ 1 stars, 1 review 1 office in Charles Town 29 Keyes Ferry Rd, Charles Town, WV 25414 A+5.0 ★Texas Ratio: 2.87% |
Conventional, VA, HELOC | 7 +11 HELOCs |
1.1% | 87.5% | $387,857 | View |
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1 office in Charles Town 106 W Washington St, Charles Town, WV 25414 A+5.0 ★Texas Ratio: 2.15% |
Conventional, FHA, HELOC | 5 +2 HELOCs |
0.8% | 100% | $169,000 | View |
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6327 Route 60 East, Barboursville, WV 25504 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.3% | 100% | $305,000 | View |
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101 S Washington St, Berkeley Springs, WV 25411 A+5.0 ★Texas Ratio: 0.74% |
Conventional | 2 | 0.3% | 100% | $445,000 | View |
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23 Presidents Street, Fort Ashby, WV 26719 A+5.0 ★Texas Ratio: 4.11% |
VA | 1 | 0.2% | 100% | $445,000 | View |
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★ 1.7 stars, 3 reviews 1550 University Ave, Morgantown, WV 26506 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +5 HELOCs |
0% | 0% | View | |
First Heritage Mortgage, LLC
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Conventional, FHA, VA, USDA | 108 | 16.5% | 99.1% | $308,055 | |
Atlantic Coast Mortgage, LLC
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Conventional, FHA, VA, USDA | 76 | 11.6% | 94.2% | $360,000 | |
Lennar Mortgage, LLC
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Conventional, FHA, VA | 55 | 8.4% | 91.7% | $278,636 | |
Rocket Mortgage
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Conventional, FHA, VA | 48 | 7.3% | 89.3% | $212,500 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, USDA | 35 | 5.3% | 100% | $362,142 | |
Integrity Home Mortgage Corporation
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Conventional, FHA, VA, USDA | 33 | 5% | 100% | $357,424 | |
Newrez LLC
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Conventional, FHA | 20 | 3% | 100% | $372,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 15 | 2.3% | 78.9% | $389,000 | |
Navy Federal Credit Union
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Conventional, VA, HELOC | 14 +6 HELOCs |
2.1% | 94.1% | $285,714 | |
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A+5.0 ★Texas Ratio: 2.49% |
Conventional, FHA, VA | 12 | 1.8% | 94.1% | $443,333 | View |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA, USDA | 12 | 1.8% | 100% | $413,333 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 9 | 1.4% | 66.7% | $255,000 | |
Guild Mortgage Company
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Conventional, USDA | 9 | 1.4% | 100% | $303,888 | |
Mortgage Research Center
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Conventional, VA | 9 | 1.4% | 69.2% | $455,000 | |
Amerisave Mortgage Company
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Conventional, FHA, HELOC | 6 +1 HELOCs |
0.9% | 50% | $116,666 | |
Carrington Mortgage Services LLC
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Conventional, FHA, VA | 6 | 0.9% | 100% | $263,333 | |
Acrisure Mortgage, LLC
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Conventional, FHA | 5 | 0.8% | 100% | $309,000 | |
Planet Home Lending, LLC
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FHA, VA | 5 | 0.8% | 100% | $407,000 | |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional | 5 | 0.8% | 71.4% | $319,000 | View |
Primelending
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Conventional, FHA | 4 | 0.6% | 100% | $350,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 4 | 0.6% | 77.8% | $235,000 | |
Kind Lending, LLC
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Conventional, FHA, VA | 4 | 0.6% | 100% | $452,500 | |
Intercoastal Mortgage, LLC
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Conventional, VA | 4 | 0.6% | 100% | $400,000 | |
American Pacific Mortgage Corporation
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Conventional | 4 | 0.6% | 100% | $345,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 4 | 0.6% | 100% | $397,500 | |
New American Funding, LLC.
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Conventional, FHA, VA | 4 | 0.6% | 100% | $350,000 | |
Lower, LLC
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Conventional, FHA, VA | 4 | 0.6% | 80% | $380,000 | |
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A+5.0 ★Texas Ratio: 3.99% |
Conventional, HELOC | 3 +1 HELOCs |
0.5% | 80% | $218,333 | View |
Guaranteed Rate Affinity, LLC
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Conventional, VA | 3 | 0.5% | 100% | $395,000 | |
Nih Federal Credit Union
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Conventional | 3 | 0.5% | 100% | $231,666 | |
Cmg Mortgage Inc
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Conventional | 3 | 0.5% | 75% | $411,666 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 3 | 0.5% | 100% | $418,333 | View |
Waterstone Mortgage Corporation
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Conventional, VA | 3 | 0.5% | 100% | $348,333 | |
Nationstar Mortgage
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Conventional, FHA | 3 | 0.5% | 75% | $148,333 | |
Pentagon Federal Credit Union
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Conventional, HELOC | 2 +2 HELOCs |
0.3% | 100% | $130,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
Conventional | 2 | 0.3% | 100% | $350,000 | View |
loanDepot.com LLC
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Conventional | 2 | 0.3% | 50% | $205,000 | |
Dart Bank
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Conventional, FHA | 2 | 0.3% | 100% | $445,000 | |
American Financial Network, Inc.
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Conventional | 2 | 0.3% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
Conventional, FHA | 2 | 0.3% | 100% | $460,000 | View |
Click n' Close, Inc.
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Conventional, FHA | 2 | 0.3% | 100% | $175,000 | |
Union Home Mortgage Corp.
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Conventional, VA | 2 | 0.3% | 100% | $320,000 | |
Total Mortgage Services, LLC
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Conventional, USDA | 2 | 0.3% | 100% | $375,000 | |
Nfm, Inc
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Conventional, VA | 2 | 0.3% | 100% | $400,000 | |
The Loan Store, Inc
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Conventional | 2 | 0.3% | 100% | $420,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 2 | 0.3% | 100% | $310,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 2 | 0.3% | 100% | $455,000 | View |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, VA | 2 | 0.3% | 100% | $395,000 | View |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 2 | 0.3% | 100% | $120,000 | View |
Village Capital & Investment
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FHA, VA | 2 | 0.3% | 100% | $450,000 | |
Apple Federal Credit Union
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Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $445,000 | |
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A-5.0 ★Texas Ratio: 14.51% |
Conventional | 1 | 0.2% | 100% | $405,000 | View |
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A+5.0 ★Texas Ratio: 2.85% |
FHA | 1 | 0.2% | 100% | $355,000 | View |
Tidewater Mortgage Services, Inc
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Conventional | 1 | 0.2% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 4.98% |
FHA | 1 | 0.2% | 100% | $285,000 | View |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.2% | 100% | $205,000 | |
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A5.0 ★Texas Ratio: 11.06% |
USDA | 1 | 0.2% | 100% | $505,000 | View |
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A+5.0 ★Texas Ratio: 2.51% |
Conventional | 1 | 0.2% | 100% | $375,000 | View |
Contour Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $515,000 | |
Millennium Financial Group Inc dba Mlend
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Conventional | 1 | 0.2% | 100% | $705,000 | |
Canopy Mortgage, LLC
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VA | 1 | 0.2% | 100% | $305,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.2% | 100% | $215,000 | |
Envoy Mortgage, Ltd
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VA | 1 | 0.2% | 100% | $545,000 | |
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A5.0 ★Texas Ratio: 7.27% |
VA | 1 | 0.2% | 50% | $525,000 | View |
AmeriHome Mortgage Company, LLC
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VA | 1 | 0.2% | 100% | $305,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.2% | 100% | $235,000 | View |
First Home Mortgage
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VA | 1 | 0.2% | 100% | $365,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
FHA | 1 | 0.2% | 100% | $325,000 | View |
Valon Mortgage
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Conventional | 1 | 0.2% | 50% | $255,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.2% | 100% | $405,000 | |
Credit Union Mortgage Associat
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Conventional | 1 | 0.2% | 100% | $145,000 | |
Congressional Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $25,000 | |
SkyPoint FCU
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Conventional | 1 | 0.2% | 100% | $55,000 | |
Embrace Home Loans, Inc.
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Conventional | 1 | 0.2% | 100% | $325,000 | |
Direct Mortgage Loans, LLC
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Conventional | 1 | 0.2% | 100% | $315,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.2% | 100% | $365,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.2% | 100% | $515,000 | View |
Stockton Mortgage Corporation
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FHA | 1 | 0.2% | 50% | $305,000 | |
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A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.2% | 100% | $555,000 | View |
Patriot FCU
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Conventional | 1 | 0.2% | 100% | $55,000 | |
Jams-01 Inc dba Home Savings & Trust Mortgage
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Conventional | 1 | 0.2% | 100% | $275,000 | |
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A5.0 ★Texas Ratio: 7.51% |
Conventional | 1 | 0.2% | 100% | $325,000 | View |
Zillow Home Loans, LLC
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Conventional | 1 | 0.2% | 100% | $375,000 | |
Mutual of Omaha Mortgage
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VA | 1 | 0.2% | 100% | $515,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.2% | 50% | $75,000 | View |
Tower Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Nrl Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Charles Town 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 Charles Town, West Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Charles Town? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Charles Town in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Charles Town, WV
Use these to narrow the list above. Each category shows how many Charles Town, WV lenders fit and what that kind of lender is usually best for.
Who Lends in Charles Town, WV
Independent mortgage companies closed 81.4 percent of home loans in Charles Town, West Virginia in 2025, banks 14.5 percent and credit unions 4.1 percent. First Heritage Mortgage, LLC was the largest mortgage company, City National Bank of WV the largest bank and Navy Federal Credit Union the largest credit union. Among lenders headquartered in West Virginia, City National Bank of WV led with 18 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 Charles Town, WV
By home loans closed in 2025, City National Bank of WV was the largest mortgage lender in Charles Town, West Virginia with 18 loans, about 2.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Charles Town, West Virginia, First Heritage Mortgage, LLC approved the highest share of completed applications in 2025 at 99.1 percent, against a 92.1 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
31 lenders closed FHA loans in Charles Town, West Virginia in 2025, led by First Heritage Mortgage, LLC with 37. 35 lenders closed VA loans, led by First Heritage Mortgage, LLC, and 8 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. 32 banks and 11 credit unions closed home loans in Charles Town, West Virginia in 2025, alongside 54 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 Charles Town, 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 Charles Town, 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 Charles Town. 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.
