Martinsburg, West Virginia mortgage lenders include City National Bank of WVCity National Bank of WV1700 W King St, Martinsburg, WV 25401A+5.0 ★Texas Ratio: 1.47%, Jefferson Security BankJefferson Security Bank1487 Edwin Miller Blvd, Martinsburg, WV 25404A+4.9 ★Texas Ratio: 0.10%, Truist BankTruist Bank148 S Queen St, Martinsburg, WV 25401A+5.0 ★Texas Ratio: 2.87%, Potomac BankPotomac Bank9738 Tuscarora Pike, Martinsburg, WV 25403A+5.0 ★Texas Ratio: 0.66%, Cnb Bank Inc.Cnb Bank Inc.2646 Hedgesville Rd, Martinsburg, WV 25403A+5.0 ★Texas Ratio: 0.74%, United Bank VaUnited Bank Va5453 Williamsport Pike, Martinsburg, WV 25404A+5.0 ★Texas Ratio: 2.15%, Burke & Herbert Bk & Tr CoBurke & Herbert Bk & Tr Co231 Aikens Ctr, Martinsburg, WV 25404A5.0 ★Texas Ratio: 7.39%, PNC Bank N.A.PNC Bank N.A.1550 University Ave, Morgantown, WV 26506A+5.0 ★Texas Ratio: 4.24%, M&T BankM&T Bank23 Presidents Street, Fort Ashby, WV 26719A+5.0 ★Texas Ratio: 4.11%, and Capon Valley BankCapon Valley Bank17558 Old Route 55, Baker, WV 26801A5.0 ★Texas Ratio: 11.21%. 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 Martinsburg, West Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Martinsburg 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.
Market share is the lender's share of all home loans closed in Martinsburg, 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 |
|---|---|---|---|---|---|---|
|
2 offices in Martinsburg 1700 W King St, Martinsburg, WV 25401 A+5.0 ★Texas Ratio: 1.47% |
Conventional, HELOC | 33 +16 HELOCs |
3.5% | 81% | $194,696 | View |
|
1 office in Martinsburg 1487 Edwin Miller Blvd, Martinsburg, WV 25404 A+4.9 ★Texas Ratio: 0.10% |
Conventional | 13 | 1.4% | 86.7% | $165,000 | View |
|
★ 1 stars, 1 review 2 offices in Martinsburg 148 S Queen St, Martinsburg, WV 25401 A+5.0 ★Texas Ratio: 2.87% |
Conventional, VA, HELOC | 11 +11 HELOCs |
1.2% | 84.6% | $265,000 | View |
|
1 office in Martinsburg 9738 Tuscarora Pike, Martinsburg, WV 25403 A+5.0 ★Texas Ratio: 0.66% |
Conventional | 8 | 0.9% | 80% | $100,000 | View |
|
2 offices in Martinsburg 2646 Hedgesville Rd, Martinsburg, WV 25403 A+5.0 ★Texas Ratio: 0.74% |
Conventional, USDA | 6 | 0.6% | 66.7% | $143,333 | View |
|
3 offices in Martinsburg 5453 Williamsport Pike, Martinsburg, WV 25404 A+5.0 ★Texas Ratio: 2.15% |
Conventional, FHA, Jumbo, HELOC | 4 +6 HELOCs |
0.4% | 100% | $367,500 | View |
|
2 offices in Martinsburg 231 Aikens Ctr, Martinsburg, WV 25404 A5.0 ★Texas Ratio: 7.39% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
★ 1.7 stars, 3 reviews 1550 University Ave, Morgantown, WV 26506 A+5.0 ★Texas Ratio: 4.24% |
Conventional, FHA, HELOC | 2 +4 HELOCs |
0.2% | 100% | $335,000 | View |
|
23 Presidents Street, Fort Ashby, WV 26719 A+5.0 ★Texas Ratio: 4.11% |
FHA, HELOC | 1 +2 HELOCs |
0.1% | 100% | $255,000 | View |
|
17558 Old Route 55, Baker, WV 26801 A5.0 ★Texas Ratio: 11.21% |
Conventional | 1 | 0.1% | 100% | $185,000 | View |
|
5961 Mason Dixon Hwy, Blacksville, WV 26521 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.1% | 100% | $35,000 | View |
|
6501 Mud River Rd, Barboursville, WV 25504 A+5.0 ★Texas Ratio: 3.87% |
Conventional | 1 | 0.1% | 100% | $265,000 | View |
|
901 William Ave, Davis, WV 26260 A5.0 ★Texas Ratio: 7.08% |
Conventional | 1 | 0.1% | 100% | $155,000 | View |
|
6718 Potomac Highlands Trl, Arbovale, WV 24915 A5.0 ★Texas Ratio: 7.72% |
Conventional | 1 | 0.1% | 100% | $255,000 | View |
|
1409 Main St, Follansbee, WV 26037 A+5.0 ★Texas Ratio: 1.62% |
Conventional | 1 | 0.1% | 100% | $235,000 | View |
Integrity Home Mortgage Corporation
|
Conventional, FHA, VA, USDA | 94 | 10% | 94.3% | $277,765 | |
Rocket Mortgage
|
Conventional, FHA, VA | 80 | 8.5% | 84.8% | $204,250 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA, VA, USDA, HELOC | 79 +3 HELOCs |
8.4% | 98.8% | $280,189 | |
Atlantic Coast Mortgage, LLC
|
Conventional, FHA, VA, USDA | 38 | 4% | 97.4% | $288,947 | |
United Wholesale Mortgage
|
Conventional, FHA, VA, USDA, HELOC | 32 +1 HELOCs |
3.4% | 81.8% | $293,437 | |
Lennar Mortgage, LLC
|
Conventional, FHA, VA | 30 | 3.2% | 100% | $204,666 | |
Primelending
|
Conventional, FHA, VA, USDA | 29 | 3.1% | 91.2% | $223,275 | |
Pennymac Loan Services LLC
|
Conventional, FHA, VA | 28 | 3% | 68.3% | $220,000 | |
American Pacific Mortgage Corporation
|
Conventional, FHA, VA, USDA | 28 | 3% | 96.7% | $237,857 | |
|
A+5.0 ★Texas Ratio: 2.49% |
Conventional, FHA, VA | 27 | 2.9% | 82.1% | $263,518 | View |
Mortgage Research Center
|
Conventional, FHA, VA | 26 | 2.8% | 81.2% | $313,846 | |
Navy Federal Credit Union
|
Conventional, VA, HELOC | 25 +9 HELOCs |
2.7% | 83.3% | $223,000 | |
loanDepot.com LLC
|
Conventional, FHA, VA, USDA, HELOC | 16 +2 HELOCs |
1.7% | 76.2% | $183,750 | |
Newrez LLC
|
Conventional, FHA, VA, USDA | 14 | 1.5% | 78.9% | $307,142 | |
Union Home Mortgage Corp.
|
Conventional, FHA, VA, USDA | 12 | 1.3% | 92.9% | $268,333 | |
Amerisave Mortgage Company
|
Conventional | 11 | 1.2% | 39.3% | $46,818 | |
Guild Mortgage Company
|
Conventional, FHA, USDA | 11 | 1.2% | 100% | $208,636 | |
Embrace Home Loans, Inc.
|
Conventional, FHA, VA | 11 | 1.2% | 84.6% | $279,545 | |
Intercoastal Mortgage, LLC
|
Conventional, FHA, VA | 10 | 1.1% | 100% | $252,000 | |
Lakeview Loan Servicing, LLC
|
Conventional, FHA, VA | 9 | 1% | 62.5% | $129,444 | |
First Heritage Mortgage, LLC
|
Conventional, FHA | 9 | 1% | 90% | $309,444 | |
Nationstar Mortgage
|
Conventional, FHA, VA | 9 | 1% | 100% | $145,000 | |
Triad Financial Services, Inc.
|
Conventional | 8 | 0.9% | 41.2% | $85,000 | |
Zillow Home Loans, LLC
|
Conventional, FHA | 8 | 0.9% | 100% | $255,000 | |
Carrington Mortgage Services LLC
|
Conventional, FHA, VA | 8 | 0.9% | 52.9% | $133,750 | |
New American Funding, LLC.
|
FHA, VA | 7 | 0.7% | 77.8% | $256,428 | |
21St Mortgage
|
Conventional | 7 | 0.7% | 20.6% | $69,285 | |
Nfm, Inc
|
Conventional, FHA, VA | 6 | 0.6% | 100% | $303,333 | |
T2 Financial LLC
|
Conventional, FHA, USDA | 6 | 0.6% | 100% | $228,333 | |
Waterstone Mortgage Corporation
|
Conventional, FHA, VA, USDA | 6 | 0.6% | 100% | $318,333 | |
Stockton Mortgage Corporation
|
Conventional, FHA | 6 | 0.6% | 100% | $140,000 | |
Farmers and Merchants Trust Company of Chambersburg
|
Conventional | 6 | 0.6% | 100% | $386,666 | |
Lower, LLC
|
Conventional, FHA, VA | 6 | 0.6% | 66.7% | $201,666 | |
Paramount Residential Mortgage
|
FHA, VA, USDA | 6 | 0.6% | 100% | $256,666 | |
Apple Federal Credit Union
|
Conventional, HELOC | 5 +3 HELOCs |
0.5% | 83.3% | $263,000 | |
American Financial Network, Inc.
|
Conventional, FHA | 4 | 0.4% | 100% | $247,500 | |
First Home Mortgage
|
Conventional, FHA | 4 | 0.4% | 100% | $190,000 | |
|
A+5.0 ★Texas Ratio: 5.36% |
Conventional | 4 | 0.4% | 100% | $195,000 | View |
Pentagon Federal Credit Union
|
Conventional, FHA, VA | 4 | 0.4% | 80% | $277,500 | |
Prosperity Home Mortgage, LLC
|
Conventional, USDA | 4 | 0.4% | 100% | $292,500 | |
Vanderbilt Mortgage and Finance, Inc
|
Conventional | 4 | 0.4% | 26.7% | $82,500 | |
Tammac Holdings Corporation
|
Conventional | 4 | 0.4% | 26.3% | $65,000 | |
Village Capital & Investment
|
FHA, VA | 4 | 0.4% | 100% | $250,000 | |
|
A+5.0 ★Texas Ratio: 4.85% |
Conventional, FHA | 3 | 0.3% | 75% | $165,000 | View |
Everett Financial, Inc.
|
FHA | 3 | 0.3% | 100% | $301,666 | |
Movement Mortgage, LLC
|
Conventional, FHA | 3 | 0.3% | 50% | $198,333 | |
PHH Mortgage Corporation
|
Conventional, FHA, VA | 3 | 0.3% | 100% | $208,333 | |
Michigan Mutual, Inc
|
FHA, VA | 3 | 0.3% | 100% | $351,666 | |
Planet Home Lending, LLC
|
FHA, VA | 3 | 0.3% | 60% | $308,333 | |
|
A5.0 ★Texas Ratio: 9.61% |
Conventional, FHA | 3 | 0.3% | 100% | $241,666 | View |
|
A-5.0 ★Texas Ratio: 14.97% |
VA | 3 | 0.3% | 100% | $228,333 | View |
Ark-La-Tex Financial Services LLC
|
Conventional, VA | 3 | 0.3% | 100% | $375,000 | |
Patriot FCU
|
Conventional, HELOC | 2 +4 HELOCs |
0.2% | 40% | $25,000 | |
|
A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 0.2% | 100% | $135,000 | View |
Guaranteed Rate, Inc.
|
Conventional, FHA | 2 | 0.2% | 66.7% | $390,000 | |
Primary Residential Mortgage, INC.
|
FHA, VA | 2 | 0.2% | 100% | $260,000 | |
|
A-4.9 ★Texas Ratio: 16.48% |
Conventional, VA | 2 | 0.2% | 66.7% | $370,000 | View |
|
A+5.0 ★Texas Ratio: 4.31% |
Conventional | 2 | 0.2% | 100% | $290,000 | View |
Equity Prime Mortgage LLC
|
VA | 2 | 0.2% | 100% | $215,000 | |
ALCOVA Mortgage, LLC
|
Conventional, FHA | 2 | 0.2% | 100% | $145,000 | |
Cmg Mortgage Inc
|
FHA, USDA | 2 | 0.2% | 100% | $125,000 | |
Direct Mortgage Loans, LLC
|
Conventional, FHA | 2 | 0.2% | 100% | $100,000 | |
TowneBank
|
FHA, USDA | 2 | 0.2% | 100% | $220,000 | |
The Loan Store, Inc
|
Conventional | 2 | 0.2% | 100% | $245,000 | |
|
B+4.8 ★Texas Ratio: 16.98% |
VA | 2 | 0.2% | 100% | $360,000 | View |
|
A5.0 ★Texas Ratio: 9.09% |
Conventional | 2 | 0.2% | 100% | $450,000 | View |
Goprime Mortgage, Inc.
|
VA | 2 | 0.2% | 100% | $515,000 | |
The Mortgage Link, Inc.
|
FHA | 2 | 0.2% | 100% | $325,000 | |
State Employees Credit Union of MD
|
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $255,000 | |
|
A+5.0 ★Texas Ratio: 3.99% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $45,000 | View |
Originpoint, LLC
|
USDA | 1 | 0.1% | 100% | $175,000 | |
Cornerstone First Mortgage, LLC
|
Conventional | 1 | 0.1% | 100% | $145,000 | |
Tidewater Mortgage Services, Inc
|
FHA | 1 | 0.1% | 100% | $315,000 | |
Guaranteed Rate Affinity, LLC
|
USDA | 1 | 0.1% | 100% | $215,000 | |
Royal United Mortgage LLC
|
Conventional | 1 | 0.1% | 100% | $35,000 | |
|
A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.1% | 100% | $215,000 | View |
SWBC Mortgage Corporation
|
FHA | 1 | 0.1% | 100% | $285,000 | |
Affordable Mortgage Advisors
|
Conventional | 1 | 0.1% | 100% | $235,000 | |
|
A+5.0 ★Texas Ratio: 2.51% |
FHA | 1 | 0.1% | 100% | $245,000 | View |
|
A+5.0 ★Texas Ratio: 3.16% |
Conventional | 1 | 0.1% | 100% | $265,000 | View |
Envoy Mortgage, Ltd
|
Conventional | 1 | 0.1% | 100% | $245,000 | |
Nbkc Bank
|
VA | 1 | 0.1% | 100% | $315,000 | |
Acrisure Mortgage, LLC
|
VA | 1 | 0.1% | 100% | $285,000 | |
Loansteady LLC
|
Conventional | 1 | 0.1% | 100% | $245,000 | |
|
A5.0 ★Texas Ratio: 7.27% |
Conventional | 1 | 0.1% | 100% | $155,000 | View |
AmeriHome Mortgage Company, LLC
|
FHA | 1 | 0.1% | 33.3% | $265,000 | |
Dart Bank
|
FHA | 1 | 0.1% | 100% | $235,000 | |
United Trust Bank
|
VA | 1 | 0.1% | 50% | $245,000 | |
Nih Federal Credit Union
|
Conventional | 1 | 0.1% | 100% | $475,000 | |
Ocmbc, Inc.
|
FHA | 1 | 0.1% | 100% | $415,000 | |
HomeBridge Financial Services, Inc
|
VA | 1 | 0.1% | 100% | $225,000 | |
Discover Bank
|
Conventional | 1 | 0.1% | 20% | $105,000 | |
Absolute Home Mortgage
|
Conventional | 1 | 0.1% | 100% | $365,000 | |
Gate City Bank
|
Conventional | 1 | 0.1% | 100% | $245,000 | |
Nextmortgage, LLC
|
FHA | 1 | 0.1% | 100% | $185,000 | |
Click n' Close, Inc.
|
Conventional | 1 | 0.1% | 100% | $245,000 | |
American Financing Corporation
|
VA | 1 | 0.1% | 100% | $145,000 | |
Cardinal Financial Company, Li
|
FHA | 1 | 0.1% | 100% | $245,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.1% | 50% | $95,000 | View |
Atlantic Bay Mortgage Group
|
VA | 1 | 0.1% | 100% | $205,000 | |
Churchill Mortgage Corporation
|
Conventional | 1 | 0.1% | 100% | $295,000 | |
|
C+4.2 ★Texas Ratio: 24.99% |
Conventional | 1 | 0.1% | 100% | $275,000 | View |
First United Bank & Trust
|
Conventional | 1 | 0.1% | 50% | $135,000 | |
Vellum Mortgage, Inc.
|
FHA | 1 | 0.1% | 100% | $315,000 | |
Nvr Mortgage Finance, Inc.
|
VA | 1 | 0.1% | 100% | $435,000 | |
Sierra Pacific Mortgage Co. Inc
|
FHA | 1 | 0.1% | 100% | $225,000 | |
Agfirst Farm Credit Bank
|
Conventional | 1 | 0.1% | 100% | $255,000 | |
Towne Mortgage Company
|
VA | 1 | 0.1% | 100% | $335,000 | |
Mutual of Omaha Mortgage
|
VA | 1 | 0.1% | 100% | $505,000 | |
|
A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.1% | 100% | $235,000 | View |
K. Hovnanian American Mortgage
|
FHA | 1 | 0.1% | 50% | $285,000 | |
1St Advantage Federal Credit U
|
VA | 1 | 0.1% | 100% | $225,000 | |
Fairway Independent Mort Corp
|
Conventional | 1 | 0.1% | 100% | $355,000 | |
|
A+5.0 ★Texas Ratio: 0.94% |
Conventional | 1 | 0.1% | 100% | $365,000 | View |
|
A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.1% | 100% | $245,000 | View |
Nexera Holding LLC
|
Conventional | 1 | 0.1% | 100% | $205,000 | |
|
A5.0 ★Texas Ratio: 6.17% |
Conventional | 1 | 0.1% | 100% | $175,000 | View |
Cake Mortgage Corp.
|
FHA | 1 | 0.1% | 100% | $235,000 | |
|
★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.1% | 100% | $305,000 | View |
American Neighborhood Mortgage Acceptance Company
|
USDA | 1 | 0.1% | 100% | $295,000 | |
|
A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +6 HELOCs |
0% | n/a | View | |
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Tower Federal Credit Union
|
HELOC | 0 +3 HELOCs |
0% | 0% | ||
Figure Lending LLC
|
HELOC | 0 +3 HELOCs |
0% | n/a | ||
Valon Mortgage
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
|
HELOC | 0 +1 HELOCs |
0% | 0% |
Daily average mortgage rates for West Virginia compared with the national average, updated every evening.
Looking for mortgage lenders near me or mortgage brokers near me in Martinsburg? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Martinsburg in 2025, with lenders based there listed first.
Use these to narrow the list above. Each category shows how many Martinsburg, WV lenders fit and what that kind of lender is usually best for.
Independent mortgage companies closed 78 percent of home loans in Martinsburg, West Virginia in 2025, banks 17.7 percent and credit unions 4.4 percent. Integrity Home Mortgage Corporation 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 33 loans.
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.
By home loans closed in 2025, City National Bank of WV was the largest mortgage lender in Martinsburg, West Virginia with 33 loans, about 3.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Martinsburg, West Virginia, CrossCountry Mortgage, LLC approved the highest share of completed applications in 2025 at 98.8 percent, against a 81 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.
62 lenders closed FHA loans in Martinsburg, West Virginia in 2025, led by Integrity Home Mortgage Corporation with 45. 48 lenders closed VA loans, led by Mortgage Research Center, and 20 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. 46 banks and 10 credit unions closed home loans in Martinsburg, West Virginia in 2025, alongside 85 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 Martinsburg, 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.
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 Martinsburg, 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 Martinsburg. 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.