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Mortgage Lenders and Brokers in Martinsburg, West Virginia

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.

Mortgage Lenders and Brokers in Martinsburg, West Virginia

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.

LenderProgramsLoans closedMarket shareApproval shareAverage loanView
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%
Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 8, 2026.

Mortgage Lenders and Mortgage Brokers Near Me in Martinsburg, West Virginia

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.

Types of Mortgage Lenders in Martinsburg, WV

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.

Who Lends in Martinsburg, WV

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.

78%
Mortgage companies
17.7%
Banks
4.4%
Credit unions
30%
FHA loans
17%
VA 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 Martinsburg, WV

Who is the largest mortgage lender in Martinsburg, WV?

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.

Which mortgage lenders in Martinsburg, WV have the highest approval rates?

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.

Which Martinsburg, WV mortgage lenders offer FHA, VA and USDA loans?

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.

Are credit unions and local banks included in this Martinsburg, WV lender list?

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.

How are mortgage lenders in Martinsburg, WV ranked on this page?

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.

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 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.