Mortgage lenders in Mercer County
684 mortgages were made in Mercer County, West Virginia, in 2025, by 126 lenders. The median rate their borrowers got was 6.750% on a median loan of $135,000. Of 1,077 decisions, 348 were denials — 32.3%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Atlantic Union Bank | 118 | 6.625% | $160,000 | 1.7% |
| First Community Bank | 67 | 7.200% | $105,000 | 27.3% |
| Rocket Mortgage, LLC | 57 | 6.990% | $105,000 | 23.4% |
| Truist Bank | 40 | 6.813% | $80,000 | 44.4% |
| Mortgage Research Center, LLC | 34 | 6.500% | $175,000 | 30.6% |
| City National Bank of West Virginia | 33 | 6.250% | $55,000 | 21.4% |
| Burke & Herbert Bank & Trust Company | 29 | 6.500% | $85,000 | 6.3% |
| Legacy Bank | 27 | Not published | $145,000 | 0.0% |
| New Peoples Bank, Inc. | 24 | 7.250% | $135,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 21 | 9.990% | $125,000 | 64.5% |
| MOVEMENT MORTGAGE, LLC | 20 | 6.250% | $160,000 | 0.0% |
| Alcova Mortgage LLC | 18 | 6.625% | $170,000 | 4.6% |
| PENNYMAC LOAN SERVICES, LLC | 16 | 6.063% | $150,000 | 22.7% |
| 21st Mortgage Corporation | 12 | 9.180% | $115,000 | 78.2% |
| Loandepot.Com, LLC | 12 | 6.683% | $105,000 | 55.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| First Sentinel Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Broker Solutions, Inc. | 7 | Under 10 loans | Under 10 loans | 36.4% |
| AmeriSave Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 68.2% |
| FREEDOM MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 25.0% |
| Navy Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 27.3% |
| MCNB Bank and Trust Co. | 6 | Under 10 loans | Under 10 loans | 11.1% |
| NATIONSTAR MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| NATIONAL BANKSHARES, INC. | 5 | Under 10 loans | Under 10 loans | 12.5% |
| Gateway First Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Celco Community Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Pioneer Community Bank, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EASTMAN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 66.7% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Reliance Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SUCCESS MORTGAGE PARTNERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Community Trust Bank, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 87.5% |
| FIGURE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 57.1% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| JPMorgan Chase Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| WesBanco Bank, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Waterstone Mortgage Corporation | 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% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Peterstown | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| C & F Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WEST VIRGINIA CENTRAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM FIRST Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST BANCORP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE STATE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 96.2% |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 81.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 66.7% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 75.0% |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FINANCE OF AMERICA REVERSE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ROUNDPOINT MORTGAGE SERVICING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Farm Credit of the Virginias, ACA | 0 | Under 10 loans | Under 10 loans | Not published |
| Wilmington Savings Fund Society, FSB | 0 | Under 10 loans | Under 10 loans | Not published |
| Kiavi Funding, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Armed Forces Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Virginia Credit Union, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| GUILD MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | Not published |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| ATLANTA POSTAL | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Community First National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| CHARTWAY FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| QUORUM FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| STATE EMPLOYEES' | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BoxCar Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| DUPACO COMMUNITY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SKYONE Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| BAYER HERITAGE CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Huntington Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Truliant Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| CHAMPIONS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Barrington Bank & Trust Company, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First-Citizens Bank & Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Clear Mountain Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
Bank branches in Mercer County
17 FDIC-insured branches from 7 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| First Community Bank | 6 | $442.0 million |
| Burke & Herbert Bank & Trust Company | 4 | $284.2 million |
| New Peoples Bank, Inc. | 2 | $90.5 million |
| MCNB Bank and Trust Co. | 2 | $76.6 million |
| Truist Bank | 1 | $295.9 million |
| City National Bank of West Virginia | 1 | $41.5 million |
| First Sentinel Bank | 1 | $17.7 million |
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When the next year’s lending figures are out for Mercer County, or a lender arrives or leaves.
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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. 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.