Mortgage Lenders and Brokers in Shepherdstown, 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
Shepherdstown, West Virginia mortgage lenders include Jefferson Security BankJefferson Security Bank105 E Washington St, Shepherdstown, WV 25443A+4.9 ★Texas Ratio: 0.10%, Truist BankTruist Bank8327 Martinsburg Pike, Shepherdstown, WV 25443A+5.0 ★Texas Ratio: 2.87%, United Bank VaUnited Bank Va7867 Martinsburg Pike, Shepherdstown, WV 25443A+5.0 ★Texas Ratio: 2.15%, City National Bank of WVCity National Bank of WV601 Alta Drive, Alderson, WV 24910A+5.0 ★Texas Ratio: 1.47%, Potomac BankPotomac Bank111 E Washington St, Charles Town, WV 25414A+5.0 ★Texas Ratio: 0.66%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA6327 Route 60 East, Barboursville, WV 25504A+5.0 ★Texas Ratio: 3.68%, PNC Bank N.A.PNC Bank N.A.1550 University Ave, Morgantown, WV 26506A+5.0 ★Texas Ratio: 4.24%, 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%, and Cnb Bank Inc.Cnb Bank Inc.101 S Washington St, Berkeley Springs, WV 25411A+5.0 ★Texas Ratio: 0.74%. 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 Shepherdstown, West Virginia in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Shepherdstown 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 Shepherdstown, West Virginia
Market share is the lender's share of all home loans closed in Shepherdstown, 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 Shepherdstown 105 E Washington St, Shepherdstown, WV 25443 A+4.9 ★Texas Ratio: 0.10% |
Conventional | 9 | 4.6% | 81.8% | $446,111 | View |
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★ 1 stars, 1 review 1 office in Shepherdstown 8327 Martinsburg Pike, Shepherdstown, WV 25443 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 1 +10 HELOCs |
0.5% | 100% | $265,000 | View |
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1 office in Shepherdstown 7867 Martinsburg Pike, Shepherdstown, WV 25443 A+5.0 ★Texas Ratio: 2.15% |
Conventional, HELOC | 1 +4 HELOCs |
0.5% | 100% | $205,000 | View |
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601 Alta Drive, Alderson, WV 24910 A+5.0 ★Texas Ratio: 1.47% |
Conventional, HELOC | 6 +6 HELOCs |
3.1% | 70% | $358,333 | View |
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111 E Washington St, Charles Town, WV 25414 A+5.0 ★Texas Ratio: 0.66% |
Conventional | 5 | 2.6% | 85.7% | $333,000 | View |
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6327 Route 60 East, Barboursville, WV 25504 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 1% | 66.7% | $300,000 | 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 +1 HELOCs |
0.5% | 100% | $595,000 | View |
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17558 Old Route 55, Baker, WV 26801 A5.0 ★Texas Ratio: 11.21% |
Conventional | 1 | 0.5% | 100% | $275,000 | View |
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23 Presidents Street, Fort Ashby, WV 26719 A+5.0 ★Texas Ratio: 4.11% |
VA | 1 | 0.5% | 100% | $395,000 | View |
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101 S Washington St, Berkeley Springs, WV 25411 A+5.0 ★Texas Ratio: 0.74% |
Conventional | 1 | 0.5% | 100% | $665,000 | View |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 34 | 17.4% | 82.9% | $315,882 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA | 14 | 7.2% | 93.3% | $349,285 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 10 | 5.1% | 100% | $423,000 | |
Navy Federal Credit Union
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Conventional, VA, HELOC | 8 +5 HELOCs |
4.1% | 80% | $313,750 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 6 +1 HELOCs |
3.1% | 100% | $318,333 | |
Pennymac Loan Services LLC
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Conventional, VA | 6 | 3.1% | 85.7% | $270,000 | |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 5 +1 HELOCs |
2.6% | 71.4% | $375,000 | |
Newrez LLC
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Conventional, VA | 5 | 2.6% | 83.3% | $311,000 | |
Waterstone Mortgage Corporation
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Conventional, FHA, VA | 5 | 2.6% | 100% | $407,000 | |
Mortgage Research Center
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VA | 5 | 2.6% | 62.5% | $555,000 | |
Atlantic Coast Mortgage, LLC
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Conventional, FHA, VA | 4 | 2.1% | 85.7% | $500,000 | |
Intercoastal Mortgage, LLC
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Conventional, VA | 4 | 2.1% | 100% | $452,500 | |
Horizon Farm Credit, ACA
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Conventional | 3 | 1.5% | 75% | $378,333 | |
Farmers and Merchants Trust Company of Chambersburg
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Conventional, HELOC | 2 +1 HELOCs |
1% | 100% | $330,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 1% | 100% | $80,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 2 | 1% | 100% | $465,000 | |
Primelending
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Conventional, VA | 2 | 1% | 100% | $550,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 2 | 1% | 66.7% | $120,000 | |
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A+5.0 ★Texas Ratio: 2.49% |
VA | 2 | 1% | 100% | $520,000 | View |
Amerisave Mortgage Company
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Conventional | 2 | 1% | 66.7% | $30,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 2 | 1% | 66.7% | $380,000 | View |
Direct Mortgage Loans, LLC
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FHA | 2 | 1% | 100% | $370,000 | |
Integrity Home Mortgage Corporation
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FHA | 2 | 1% | 100% | $235,000 | |
TowneBank
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Conventional, FHA | 2 | 1% | 100% | $350,000 | |
Lower, LLC
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Conventional | 2 | 1% | 100% | $345,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 2 | 1% | 100% | $750,000 | View |
Carrington Mortgage Services LLC
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Conventional | 2 | 1% | 66.7% | $80,000 | |
Village Capital & Investment
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FHA, VA | 2 | 1% | 66.7% | $305,000 | |
Genisys Credit Union
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Conventional | 1 | 0.5% | 100% | $305,000 | |
Originpoint, LLC
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Conventional | 1 | 0.5% | 100% | $515,000 | |
American Financial Resources LLC
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FHA | 1 | 0.5% | 100% | $275,000 | |
Guaranteed Rate, Inc.
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USDA | 1 | 0.5% | 100% | $245,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.5% | 100% | $515,000 | View |
Educational Systems FCU
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Conventional | 1 | 0.5% | 100% | $105,000 | |
Millennium Financial Group Inc dba Mlend
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Conventional | 1 | 0.5% | 100% | $325,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.5% | 100% | $575,000 | |
State Employees Credit Union of MD
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Conventional | 1 | 0.5% | 100% | $445,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.5% | 100% | $335,000 | |
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A+5.0 ★Texas Ratio: 3.99% |
Conventional | 1 | 0.5% | 100% | $55,000 | View |
Bank Fund Staff Federal Credit
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Conventional | 1 | 0.5% | 100% | $355,000 | |
Union Home Mortgage Corp.
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FHA | 1 | 0.5% | 100% | $335,000 | |
Congressional Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $55,000 | |
Nfm, Inc
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Conventional | 1 | 0.5% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.5% | 100% | $495,000 | View |
Nations Lending Corporation
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Conventional | 1 | 0.5% | 100% | $465,000 | |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.5% | 100% | $375,000 | View |
American Pacific Mortgage Corporation
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VA | 1 | 0.5% | 100% | $355,000 | |
Nasa Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $555,000 | |
Member First Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $285,000 | |
Pentagon Federal Credit Union
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VA | 1 | 0.5% | 100% | $295,000 | |
Better Mortgage Corporation
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FHA | 1 | 0.5% | 50% | $445,000 | |
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A5.0 ★Texas Ratio: 9.61% |
Conventional | 1 | 0.5% | 100% | $445,000 | View |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $155,000 | |
New American Funding, LLC.
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FHA | 1 | 0.5% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.5% | 20% | $55,000 | View |
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A5.0 ★Texas Ratio: 9.09% |
FHA | 1 | 0.5% | 100% | $435,000 | View |
Patriot FCU
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
American Airlines Federal Cred
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Shepherdstown 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 Shepherdstown, West Virginia
Looking for mortgage lenders near me or mortgage brokers near me in Shepherdstown? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Shepherdstown in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Shepherdstown, WV
Use these to narrow the list above. Each category shows how many Shepherdstown, WV lenders fit and what that kind of lender is usually best for.
Who Lends in Shepherdstown, WV
Independent mortgage companies closed 65.1 percent of home loans in Shepherdstown, West Virginia in 2025, banks 26.7 percent and credit unions 8.2 percent. Rocket Mortgage was the largest mortgage company, Jefferson Security Bank the largest bank and Navy Federal Credit Union the largest credit union. Among lenders headquartered in West Virginia, Jefferson Security Bank led with 9 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 Shepherdstown, WV
By home loans closed in 2025, Jefferson Security Bank was the largest mortgage lender in Shepherdstown, West Virginia with 9 loans, about 4.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
17 lenders closed FHA loans in Shepherdstown, West Virginia in 2025, led by Rocket Mortgage with 5. 20 lenders closed VA loans, led by Mortgage Research Center, and 1 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. 25 banks and 12 credit unions closed home loans in Shepherdstown, West Virginia in 2025, alongside 34 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 Shepherdstown, 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 Shepherdstown, 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 Shepherdstown. 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.
