Burke & Herbert Bank & Trust Company
Burke & Herbert Bank & Trust Company received 755 applications in 2025 and made 512 mortgages, in 112 counties across 12 states. The median rate its borrowers got was 7.250% on a median loan of $185,000. Of 624 decisions, 99 were denials — 15.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300OS8C7J7ZWMNL70 |
|---|---|
| Applications received | 755 |
| Mortgages made | 512 |
| Denied | 99 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 131 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.312 points |
| FDIC-insured bank | Yes: Burke & Herbert Bank & Trust Company, 106 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 205 | 6.500% | $235,000 | 4.9% |
| Refinancing | 88 | 7.000% | $375,000 | 8.2% |
| Cash-out refinancing | 23 | 6.656% | $145,000 | 4.2% |
| Other purposes | 196 | 8.000% | $105,000 | 28.6% |
Where Burke & Herbert Bank & Trust Company lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Fairfax County, VA | 72 | 7.750% | 27.3% |
| Kanawha County, WV | 31 | 7.500% | 2.9% |
| Alexandria city, VA | 29 | 7.750% | 6.5% |
| Mercer County, WV | 29 | 6.500% | 6.3% |
| Prince William County, VA | 24 | 6.063% | 14.3% |
| Summers County, WV | 15 | 7.750% | 15.8% |
| Loudoun County, VA | 13 | 7.750% | 7.1% |
| Grant County, WV | 13 | 7.125% | 23.5% |
| Berkeley County, WV | 12 | 7.875% | 20.0% |
| Cabell County, WV | 12 | 7.725% | 0.0% |
| Montgomery County, MD | 11 | 6.250% | 0.0% |
| Hardy County, WV | 11 | 7.500% | 15.4% |
| Clark County, KY | 10 | 7.875% | 16.7% |
| Baltimore County, MD | 10 | 6.375% | 0.0% |
| Caroline County, MD | 9 | Under 10 loans | 30.8% |
| Wyoming County, WV | 9 | Under 10 loans | 25.0% |
| Prince George's County, MD | 8 | Under 10 loans | 20.0% |
| Wythe County, VA | 8 | Under 10 loans | 0.0% |
| Greenbrier County, WV | 8 | Under 10 loans | 27.3% |
| Stafford County, VA | 7 | Under 10 loans | 0.0% |
| Putnam County, WV | 7 | Under 10 loans | 12.5% |
| Talbot County, MD | 6 | Under 10 loans | 33.3% |
| Arlington County, VA | 6 | Under 10 loans | 0.0% |
| Rockingham County, VA | 6 | Under 10 loans | 0.0% |
| Tazewell County, VA | 6 | Under 10 loans | 0.0% |
| Manassas Park city, VA | 6 | Under 10 loans | 0.0% |
| Monongalia County, WV | 6 | Under 10 loans | 14.3% |
| Sussex County, DE | 5 | Under 10 loans | 0.0% |
| Fauquier County, VA | 5 | Under 10 loans | 16.7% |
| Raleigh County, WV | 5 | Under 10 loans | 16.7% |
| Dorchester County, MD | 4 | Under 10 loans | 33.3% |
| Bland County, VA | 4 | Under 10 loans | 0.0% |
| Montgomery County, VA | 4 | Under 10 loans | 28.6% |
| Pendleton County, WV | 4 | Under 10 loans | 33.3% |
| Anne Arundel County, MD | 3 | Under 10 loans | 0.0% |
| Augusta County, VA | 3 | Under 10 loans | 0.0% |
| Bath County, VA | 3 | Under 10 loans | 20.0% |
| Highland County, VA | 3 | Under 10 loans | 25.0% |
| Spotsylvania County, VA | 3 | Under 10 loans | 25.0% |
| Manassas city, VA | 3 | Under 10 loans | 0.0% |
| Fayette County, WV | 3 | Under 10 loans | 0.0% |
| Monroe County, WV | 3 | Under 10 loans | 25.0% |
| District of Columbia, DC | 2 | Under 10 loans | 66.7% |
| Carroll County, MD | 2 | Under 10 loans | 0.0% |
| Queen Anne's County, MD | 2 | Under 10 loans | 0.0% |
| Baltimore city, MD | 2 | Under 10 loans | 0.0% |
| Unicoi County, TN | 2 | Under 10 loans | 0.0% |
| Culpeper County, VA | 2 | Under 10 loans | 0.0% |
| Frederick County, VA | 2 | Under 10 loans | 33.3% |
| Henrico County, VA | 2 | Under 10 loans | 0.0% |
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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.