Mortgage lending in Berkeley County
4,391 mortgages were originated in Berkeley County, West Virginia, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 4,391
- Median rate
- 6.500%
- Median lender fees
- $6,783
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $255,000
- Above the going rate (spread over APOR)
- 0.370
- Paid discount points
- 51.9%
- Received lender credits
- 25.6%
- Purchases / refinances
- 60.6% / 26.2%
- Conventional / FHA / VA
- 60.2% / 22.6% / 14.6%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 78.7% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $300,000
- That home, 20% down
- $240,000
A median-priced home with 20% down leaves $592,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Berkeley County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Integrity Home Mortgage Corporation | 342 | $10,211 | 6.500% |
| Rocket Mortgage, LLC | 337 | $5,287 | 6.875% |
| Crosscountry Mortgage, Inc. | 248 | $9,429 | 6.500% |
| City National Bank of West Virginia | 208 | $200 | 6.290% |
| Navy Federal Credit Union | 189 | $2,537 | 7.650% |
| United Shore Financial Services, LLC | 151 | $8,878 | 6.125% |
| Pennymac Loan Services, LLC | 127 | $6,565 | 6.000% |
| Lennar Mortgage, LLC | 115 | $6,431 | 6.990% |
| NVR Mortgage Finance, Inc. | 109 | $5,302 | 6.250% |
| Atlantic Coast Mortgage, LLC | 107 | $8,354 | 6.490% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Berkeley County — not a rule of thumb.
From 3,455 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers