Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Berkeley County, West Virginia
Every institution that decided a 1–4 unit mortgage application in Berkeley County, home to Martinsburg, between 2023 and 2025: 14,896 applications, 11,281 loans actually funded, across 8 kinds of borrowing.
Berkeley County at a glance
14,896Applications decided
2023–2025
11,281Loans funded
76% of decisions
26Census tracts
10 ZIP codes
126,165People
ACS 2023
What the data shows
The typical purchase mortgage here is $275K.
Lending by loan type in Berkeley County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 84.8% | 8,674 | $275K | 96% | 268 |
| Home improvement loans | 58.2% | 1,361 | $55K | 97% | 77 |
| Cash-out refinance | 67.2% | 2,210 | $145K | 95% | 130 |
| Refinance | 78.4% | 1,391 | $245K | 91% | 129 |
| Investment property purchase | 90.0% | 999 | $205K | 96% | 159 |
| Investment cash-out refinance | 66.7% | 87 | $155K | 88% | 46 |
| Investment refinance | 83.0% | 118 | $175K | 97% | 46 |
| Investment home improvement | 53.6% | 56 | $115K | 100% | 20 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.