What are the average closing costs in Berkeley County County?

In Berkeley County County, the median total loan costs on purchase mortgages were $8,297 in 2024, based on 2,058 originations.

Which lender has the lowest closing costs in Berkeley County County?

Among lenders with 10+ originations in Berkeley County County, City National Bank of West Virginia had the lowest median total closing costs at $2,209 in 2024.

How do closing costs in Berkeley County County compare to West Virginia?

Berkeley County County closing costs (median $8,297) are 50.4% above the West Virginia state median of $5,517.

Lowest closing cost mortgage lenders in Berkeley County County, West Virginia

In Berkeley County, West Virginia, homebuyers paid a median of $8,297 in closing costs in 2024 — above the West Virginia median of $5,517. The county saw 2,058 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, City National Bank of West Virginia offered the lowest median costs at $2,209, which is $3,604 less than the county median.

Homebuyers in Berkeley County County who chose City National Bank of West Virginia paid $6,088 less in closing costs than the county median.

County Median Costs

$8,297

+50.4% vs West Virginia ($5,517)

Median Rate

6.500%

−1.8% vs national (6.620%)

Median Origination

$2,985

Purchase Originations

2,058

vs West Virginia Median

50.4% above

$2,780

vs National Median

23.1% above

$1,556

Lender rankings in Berkeley County County

28 lenders with 10+ originations, ranked by median total loan costs.

Rank	Lender	Median Total Costs ↑	Median Rate ↕	Median Origination ↕	Volume ↕	vs. Median
1	City National Bank of West Virginia	$2,209	6.450%	$600	33	−$3,604
2	INTERCOASTAL MORTGAGE, LLC	$3,634	6.500%	$945	21	−$2,179
3	Wells Fargo Bank, National Association	$4,391	6.562%	$2,194	10	−$1,422
4	NAVY FEDERAL CREDIT UNION	$4,407	6.875%	$2,279	55	−$1,406
5	PRIMELENDING, A PLAINSCAPITAL COMPANY	$4,516	6.125%	$1,931	22	−$1,297
6	HOMESPIRE MORTGAGE CORPORATION	$4,894	6.500%	$2,237	41	−$919
7	LOWER, LLC	$5,004	6.812%	$2,469	14	−$809
8	Atlantic Coast Mortgage, LLC	$5,111	6.750%	$2,492	27	−$702
9	K. HOVNANIAN AMERICAN MORTGAGE, L.L.C.	$5,320	6.625%	$2,158	25	−$493
10	Farmers and Merchants Trust Company of Chambersburg	$5,681	6.745%	$1,120	18	−$132
11	FIRST HOME MORTGAGE CORPORATION	$6,406	6.625%	$3,840	11	+$593
12	Prosperity Home Mortgage, LLC	$6,423	6.875%	$3,608	18	+$610
13	CROSSCOUNTRY MORTGAGE, LLC	$6,444	6.950%	$3,865	11	+$631
14	SIERRA PACIFIC MORTGAGE COMPANY, INC.	$6,457	6.625%	$4,065	35	+$644
15	NVR Mortgage Finance, Inc.	$7,204	6.750%	$4,580	63	+$1,391
16	GUILD MORTGAGE COMPANY LLC	$7,213	6.500%	$4,733	16	+$1,400
17	ROCKET MORTGAGE, LLC	$7,545	6.688%	$4,968	52	+$1,732
18	Integrity Home Mortgage Corporation	$7,643	6.625%	$4,951	81	+$1,830
19	UNITED WHOLESALE MORTGAGE, LLC	$7,696	6.937%	$4,923	36	+$1,883

Includes lenders with 10+ purchase originations in Berkeley County County. Source: HMDA 2024. Sorted by median total loan costs.

View detailed closing cost breakdowns and user reviews for lenders in West Virginia → Lender Directory

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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).

Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.