PlainLender
2024 data HMDA 2024 disclosure official source

Berkeley County

8,112 mortgage applications, 15.7% denial rate. Verify FIPS 54003 with U.S. Census Bureau →

PlainLender home → About this data

West Virginia · FIPS 54003

Local mortgage market. Berkeley County, West Virginia saw 8,112 HMDA-reported mortgage applications in 2024. Lenders originated 4,196 of those loans and denied 1,275, producing a denial rate of 15.7% and an approval (origination) rate of 51.7%. The average loan amount was $237,357 at an average note rate of 6.79%, with applicants self-reporting average annual income of $38K. 245 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.2x, meaning typical borrowers took on mortgages of about 6.2 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 54003 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

8,112
Applications
4,196
Originated
15.7%
Denial Rate
51.7%
Approval Rate
$237,357
Avg Loan Amount
6.79%
Avg Interest Rate
$38K
Avg Applicant Income
6.2x
Loan-to-Income Ratio

Nearby Lenders in Berkeley County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Integrity Home Mortgage Corporation 313 7.5%
2 Rocket Mortgage 277 6.6%
3 City National Bank of WV 260 6.2%
4 Nvr Mortgage Finance, INC. 249 5.9%
5 Homespire Mortgage Corporation 236 5.6%
Compare Integrity Home Mortgage Corporation vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Berkeley County?
In the 2024 HMDA reporting year, 8,112 mortgage applications were filed in Berkeley County, West Virginia. Of these, 4,196 were originated (approved and funded), while 1,275 were denied, resulting in a denial rate of 15.7%.
What is the mortgage denial rate in Berkeley County?
The mortgage denial rate in Berkeley County is 15.7%. The approval (origination) rate is 51.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Berkeley County?
The average mortgage loan amount in Berkeley County is $237,357. The average interest rate is 6.793%. The average applicant income is $38K.
What is the loan-to-income ratio in Berkeley County?
The average loan-to-income ratio in Berkeley County is 6.2x, meaning borrowers took on loans averaging 6.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Berkeley County?
The top mortgage lenders in Berkeley County by origination volume are Integrity Home Mortgage Corporation, Rocket Mortgage, City National Bank of WV. In total, 245 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.