Bank of Charles Town
Bank of Charles Town received 247 applications in 2025 and made 187 mortgages, in 38 counties across 8 states. The median rate its borrowers got was Not published on a median loan of $325,000. Of 217 decisions, 16 were denials — 7.4%.
| Legal Entity Identifier | 549300ODM8A5T4RHPY32 |
|---|---|
| Applications received | 247 |
| Mortgages made | 187 |
| Denied | 16 |
| Approved, not taken up | 14 |
| Withdrawn or incomplete | 30 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 123 | Not published | $365,000 | 1.5% |
| Refinancing | 23 | Not published | $255,000 | 8.0% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 33 | Not published | $75,000 | 26.1% |
Where Bank of Charles Town lends most
The 38 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jefferson County, WV | 55 | Not published | 6.5% |
| Berkeley County, WV | 35 | Not published | 12.8% |
| Loudoun County, VA | 22 | Not published | 7.7% |
| Fairfax County, VA | 19 | Not published | 0.0% |
| Frederick County, VA | 8 | Under 10 loans | 0.0% |
| Prince William County, VA | 7 | Under 10 loans | 12.5% |
| Washington County, MD | 5 | Under 10 loans | 37.5% |
| Frederick County, MD | 3 | Under 10 loans | 0.0% |
| Arlington County, VA | 3 | Under 10 loans | 0.0% |
| Prince George's County, MD | 2 | Under 10 loans | 0.0% |
| Warren County, VA | 2 | Under 10 loans | 0.0% |
| Alexandria city, VA | 2 | Under 10 loans | 0.0% |
| Petersburg city, VA | 2 | Under 10 loans | 0.0% |
| Morgan County, WV | 2 | Under 10 loans | 0.0% |
| Allegany County, MD | 1 | Under 10 loans | 0.0% |
| Anne Arundel County, MD | 1 | Under 10 loans | 0.0% |
| Montgomery County, MD | 1 | Under 10 loans | 0.0% |
| Hinds County, MS | 1 | Under 10 loans | 0.0% |
| Brunswick County, NC | 1 | Under 10 loans | 0.0% |
| Dare County, NC | 1 | Under 10 loans | 0.0% |
| Wake County, NC | 1 | Under 10 loans | 0.0% |
| Franklin County, PA | 1 | Under 10 loans | 0.0% |
| Northampton County, PA | 1 | Under 10 loans | 0.0% |
| Charleston County, SC | 1 | Under 10 loans | 0.0% |
| Bedford County, VA | 1 | Under 10 loans | 0.0% |
| Clarke County, VA | 1 | Under 10 loans | 0.0% |
| Fauquier County, VA | 1 | Under 10 loans | 0.0% |
| Louisa County, VA | 1 | Under 10 loans | 0.0% |
| Orange County, VA | 1 | Under 10 loans | 0.0% |
| Spotsylvania County, VA | 1 | Under 10 loans | 0.0% |
| Stafford County, VA | 1 | Under 10 loans | 0.0% |
| Lynchburg city, VA | 1 | Under 10 loans | 0.0% |
| Manassas city, VA | 1 | Under 10 loans | 0.0% |
| Marion County, WV | 1 | Under 10 loans | 0.0% |
| District of Columbia, DC | 0 | Under 10 loans | Not published |
| Baltimore city, MD | 0 | Under 10 loans | Not published |
| Mecklenburg County, NC | 0 | Under 10 loans | Not published |
| Winchester city, VA | 0 | Under 10 loans | 0.0% |
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When Bank of Charles Town’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.