Mortgage Lenders and Brokers in Harpers Ferry, 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
Harpers Ferry, West Virginia mortgage lenders include Potomac BankPotomac Bank1366 Washington St, Harpers Ferry, WV 25425A+5.0 ★Texas Ratio: 0.66%, City National Bank of WVCity National Bank of WV601 Alta Drive, Alderson, WV 24910A+5.0 ★Texas Ratio: 1.47%, PNC Bank N.A.PNC Bank N.A.1550 University Ave, Morgantown, WV 26506A+5.0 ★Texas Ratio: 4.24%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA6327 Route 60 East, Barboursville, WV 25504A+5.0 ★Texas Ratio: 3.68%, Jefferson Security BankJefferson Security Bank873 E Washington St, Charles Town, WV 25414A+4.9 ★Texas Ratio: 0.10%, Truist BankTruist Bank3849 Robert C Byrd Dr, Beckley, WV 25801A+5.0 ★Texas Ratio: 2.87%, Rocket Mortgage, Integrity Home Mortgage Corporation, Navy Federal Credit Union, and United Wholesale Mortgage. 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 Harpers Ferry, West Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Harpers Ferry 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 Harpers Ferry, West Virginia
Market share is the lender's share of all home loans closed in Harpers Ferry, 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 Harpers Ferry 1366 Washington St, Harpers Ferry, WV 25425 A+5.0 ★Texas Ratio: 0.66% |
Conventional | 6 | 5.9% | 85.7% | $190,000 | View |
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601 Alta Drive, Alderson, WV 24910 A+5.0 ★Texas Ratio: 1.47% |
Conventional, HELOC | 7 +3 HELOCs |
6.9% | 100% | $227,857 | View |
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★ 1.7 stars, 3 reviews 1550 University Ave, Morgantown, WV 26506 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +2 HELOCs |
1% | 100% | $315,000 | View |
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6327 Route 60 East, Barboursville, WV 25504 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1% | 100% | $585,000 | View |
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873 E Washington St, Charles Town, WV 25414 A+4.9 ★Texas Ratio: 0.10% |
Conventional | 1 | 1% | 100% | $45,000 | View |
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★ 1 stars, 1 review 3849 Robert C Byrd Dr, Beckley, WV 25801 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, FHA, VA | 18 | 17.6% | 76% | $237,222 | |
Integrity Home Mortgage Corporation
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Conventional, FHA, VA | 8 | 7.8% | 90% | $237,500 | |
Navy Federal Credit Union
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Conventional, VA, HELOC | 4 +1 HELOCs |
3.9% | 71.4% | $242,500 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 4 | 3.9% | 80% | $367,500 | |
Atlantic Coast Mortgage, LLC
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Conventional, VA, USDA | 4 | 3.9% | 100% | $282,500 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, USDA | 3 | 2.9% | 100% | $278,333 | |
Intercoastal Mortgage, LLC
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Conventional, FHA | 3 | 2.9% | 80% | $318,333 | |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional, VA | 3 | 2.9% | 100% | $305,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 2 | 2% | 100% | $290,000 | |
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A+5.0 ★Texas Ratio: 3.99% |
Conventional | 2 | 2% | 100% | $70,000 | View |
Waterstone Mortgage Corporation
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Conventional, FHA | 2 | 2% | 100% | $230,000 | |
Mortgage Research Center
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VA | 2 | 2% | 66.7% | $415,000 | |
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A5.0 ★Texas Ratio: 9.61% |
VA, USDA | 2 | 2% | 100% | $295,000 | View |
Originpoint, LLC
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FHA | 1 | 1% | 100% | $175,000 | |
Everett Financial, Inc.
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FHA | 1 | 1% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 2.49% |
FHA | 1 | 1% | 100% | $345,000 | View |
Envoy Mortgage, Ltd
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FHA | 1 | 1% | 100% | $375,000 | |
Kind Lending, LLC
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Conventional | 1 | 1% | 100% | $355,000 | |
Loansteady LLC
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Conventional | 1 | 1% | 100% | $335,000 | |
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D3.3 ★Texas Ratio: 35.11% |
VA | 1 | 1% | 100% | $295,000 | View |
PHH Mortgage Corporation
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Conventional | 1 | 1% | 100% | $385,000 | |
Pennymac Loan Services LLC
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VA | 1 | 1% | 100% | $225,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 1% | 25% | $135,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 1% | 100% | $335,000 | |
Apple Federal Credit Union
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Conventional | 1 | 1% | 100% | $175,000 | |
Discover Bank
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Conventional | 1 | 1% | 50% | $35,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 1% | 100% | $345,000 | |
Total Mortgage Services, LLC
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FHA | 1 | 1% | 100% | $615,000 | |
First Heritage Mortgage, LLC
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Conventional | 1 | 1% | 100% | $425,000 | |
Nfm, Inc
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Conventional | 1 | 1% | 100% | $205,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 1% | 100% | $535,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 1% | 100% | $335,000 | View |
Churchill Mortgage Corporation
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Conventional | 1 | 1% | 100% | $255,000 | |
Embrace Home Loans, Inc.
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VA | 1 | 1% | 100% | $395,000 | |
Nationstar Mortgage
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Conventional | 1 | 1% | 100% | $45,000 | |
Pentagon Federal Credit Union
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VA | 1 | 1% | 50% | $335,000 | |
TowneBank
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VA | 1 | 1% | 100% | $435,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 1% | 100% | $365,000 | |
New American Funding, LLC.
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FHA | 1 | 1% | 100% | $305,000 | |
21St Mortgage
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Conventional | 1 | 1% | 33.3% | $105,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 1% | 100% | $235,000 | View |
Carrington Mortgage Services LLC
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Conventional | 1 | 1% | 25% | $155,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Educational Systems FCU
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HELOC | 0 +1 HELOCs |
0% | n/a |
Harpers Ferry 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 Harpers Ferry, West Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Harpers Ferry? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Harpers Ferry in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Harpers Ferry, WV
Use these to narrow the list above. Each category shows how many Harpers Ferry, WV lenders fit and what that kind of lender is usually best for.
Who Lends in Harpers Ferry, WV
Independent mortgage companies closed 64.7 percent of home loans in Harpers Ferry, West Virginia in 2025, banks 27.5 percent and credit unions 7.8 percent. Rocket Mortgage was the largest mortgage company, Potomac Bank the largest bank and Navy Federal Credit Union the largest credit union. Among lenders headquartered in West Virginia, Potomac Bank led with 6 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 Harpers Ferry, WV
By home loans closed in 2025, Potomac Bank was the largest mortgage lender in Harpers Ferry, West Virginia with 6 loans, about 5.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
13 lenders closed FHA loans in Harpers Ferry, West Virginia in 2025, led by Integrity Home Mortgage Corporation with 3. 13 lenders closed VA loans, led by Navy Federal Credit Union, and 3 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. 14 banks and 5 credit unions closed home loans in Harpers Ferry, West Virginia in 2025, alongside 31 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 Harpers Ferry, 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 Harpers Ferry, 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 Harpers Ferry. 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.
