Mortgage lenders in Jefferson County
2,548 mortgages were made in Jefferson County, West Virginia, in 2025, by 253 lenders. The median rate their borrowers got was 6.490% on a median loan of $295,000. Of 3,161 decisions, 503 were denials — 15.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| LENNAR MORTGAGE, LLC | 287 | 6.500% | $265,000 | 9.5% |
| First Heritage Mortgage, LLC | 215 | 6.250% | $305,000 | 1.4% |
| Rocket Mortgage, LLC | 185 | 6.875% | $245,000 | 17.7% |
| Atlantic Coast Mortgage, LLC | 122 | 6.375% | $345,000 | 5.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 98 | 6.575% | $325,000 | 3.0% |
| City National Bank of West Virginia | 96 | 6.200% | $170,000 | 23.3% |
| Navy Federal Credit Union | 89 | 7.650% | $155,000 | 29.0% |
| Truist Bank | 74 | 6.745% | $125,000 | 32.1% |
| Integrity Home Mortgage Corporation | 73 | 6.500% | $335,000 | 3.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 73 | 6.317% | $355,000 | 15.7% |
| DHI MORTGAGE COMPANY, LTD. | 71 | 5.750% | $385,000 | 2.7% |
| Bank of Charles Town | 55 | Not published | $205,000 | 6.5% |
| RMC HOME MORTGAGE, LLC | 52 | 6.490% | $380,000 | 7.1% |
| PENNYMAC LOAN SERVICES, LLC | 42 | 6.188% | $260,000 | 19.3% |
| NEWREZ LLC | 42 | 6.313% | $365,000 | 17.0% |
| Jefferson Security Bank | 37 | Not published | $255,000 | 9.1% |
| Loandepot.Com, LLC | 36 | 6.625% | $210,000 | 23.4% |
| Mortgage Research Center, LLC | 35 | 6.125% | $465,000 | 33.3% |
| FREEDOM MORTGAGE CORPORATION | 32 | 6.250% | $410,000 | 10.4% |
| AmeriSave Mortgage Corporation | 27 | 8.875% | $75,000 | 46.0% |
| United Bank | 26 | 7.500% | $205,000 | 26.3% |
| GUARANTEED RATE, INC. | 26 | 6.125% | $380,000 | 3.6% |
| PNC Bank, National Association | 26 | 0.250% | $105,000 | 18.8% |
| GUILD MORTGAGE COMPANY | 24 | 6.375% | $305,000 | 0.0% |
| Waterstone Mortgage Corporation | 24 | 6.500% | $390,000 | 4.0% |
| NATIONSTAR MORTGAGE LLC | 20 | 7.313% | $125,000 | 16.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 19 | 5.750% | $335,000 | 8.7% |
| INTERCOASTAL MORTGAGE, LLC | 19 | 6.625% | $415,000 | 4.4% |
| LOWER, LLC | 16 | 6.500% | $285,000 | 5.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 16 | 6.813% | $300,000 | 5.9% |
| NFM, INC. | 16 | 6.750% | $370,000 | 0.0% |
| Broker Solutions, Inc. | 15 | 6.990% | $305,000 | 21.1% |
| FIGURE LENDING LLC | 15 | 8.350% | $75,000 | 20.0% |
| Wells Fargo Bank, National Association | 13 | 6.000% | $345,000 | 27.8% |
| KIND LENDING, LLC | 13 | 6.125% | $425,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 12 | 6.058% | $225,000 | 32.0% |
| PENTAGON FEDERAL CREDIT UNION | 12 | 7.438% | $230,000 | 40.9% |
| United Nations Federal Credit Union | 12 | 6.250% | $240,000 | 7.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 11 | 6.625% | $175,000 | 36.8% |
| Northwest Federal Credit Union | 11 | 7.625% | $105,000 | 27.8% |
| USAA Federal Savings Bank | 11 | 6.375% | $375,000 | 21.4% |
| Prosperity Home Mortgage, LLC | 11 | 6.125% | $395,000 | 0.0% |
| PLANET HOME LENDING, LLC | 11 | 5.990% | $465,000 | 8.3% |
| EMBRACE HOME LOANS, INC. | 10 | 6.490% | $330,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 10 | 6.275% | $325,000 | 0.0% |
| Apple Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 18.2% |
| UNION HOME MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Farmers and Merchants Trust Company of Chambersburg | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 8 | Under 10 loans | Under 10 loans | 55.6% |
| U.S. Bank National Association | 8 | Under 10 loans | Under 10 loans | 20.0% |
| JPMorgan Chase Bank, National Association | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Plains Commerce Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CNB Bank, Inc. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Manufacturers and Traders Trust Company | 8 | Under 10 loans | Under 10 loans | 27.3% |
| CMG MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| VILLAGE CAPITAL & INVESTMENT LLC | 7 | Under 10 loans | Under 10 loans | 27.3% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| EVERETT FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| PATRIOT | 7 | Under 10 loans | Under 10 loans | 22.2% |
| THE LOAN STORE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 6 | Under 10 loans | Under 10 loans | 68.4% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 50.0% |
| Presidential Bank, FSB | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 66.7% |
| TOWER Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Bank of Clarke | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 12.5% |
| FBC MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Shore United Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JAMS-01, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATIONAL SYSTEMS | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 20.0% |
| First National Bank of Pennsylvania | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ACNB Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Farm Credit, ACA | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Bank-Fund Staff Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MILLENNIUM FINANCIAL GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MERIDIAN BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Alcova Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Union Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Vellum Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NASA Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SPECTRA CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 83.3% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 88.9% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MICHIGAN MUTUAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SWBC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NextMortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY CAPITAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAPON VALLEY BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SkyPoint Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First International Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NYMEO FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POLARIS HOME FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JUSTICE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Univest Bank and Trust Co. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHARTWAY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBH Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAYER HERITAGE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The National Capital Bank of Washington | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fulton Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| S&T Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 53 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Jefferson County
13 FDIC-insured branches from 6 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Potomac Bank | 3 | $423.7 million |
| Jefferson Security Bank | 3 | $321.8 million |
| Truist Bank | 2 | $239.9 million |
| United Bank | 2 | $225.4 million |
| City National Bank of West Virginia | 2 | $106.6 million |
| Burke & Herbert Bank & Trust Company | 1 | $61.6 million |
Get told when this changes
When the next year’s lending figures are out for Jefferson County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.