Virginia · HMDA 2025
Mortgage lenders in Botetourt County, VA
177 lenders reported 1,586 home-loan applications in Botetourt County in 2025. 896 closed as loans ($265.8M), 202 were denied — a 17.8% denial rate on decided applications, below the Virginia rate of 20.2%. The three most active lenders handled 16% of applications, led by Rocket Mortgage, LLC. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,586
- Loans originated
- 896
- Purchase / refinance
- 416 / 276
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Botetourt County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 103 | 6.5% | — |
| 2 | Virginia Credit Union, Inc. | 87 | 5.5% | — |
| 3 | PENNYMAC LOAN SERVICES, LLC | 71 | 4.5% | — |
| 4 | Truist Bank 63 out of 100, Moderate | 63 | 4.0% | 40.8% |
| 5 | FREEDOM FIRST Federal Credit Union 64 out of 100, Moderate | 63 | 4.0% | 15.2% |
| 6 | CALCON MUTUAL MORTGAGE LLC | 61 | 3.8% | — |
| 7 | Bank of Botetourt 79 out of 100, Strong | 57 | 3.6% | 4.3% |
| 8 | NEWREZ LLC | 50 | 3.2% | — |
| 9 | Alcova Mortgage LLC | 46 | 2.9% | — |
| 10 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 43 | 2.7% | — |
| 11 | VANDERBILT MORTGAGE AND FINANCE, INC. | 34 | 2.1% | — |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 32 | 2.0% | — |
| 13 | FREEDOM MORTGAGE CORPORATION | 32 | 2.0% | — |
| 14 | FIRST BANK 67 out of 100, Moderate | 28 | 1.8% | 17.0% |
| 15 | AMERIHOME MORTGAGE COMPANY, LLC | 27 | 1.7% | — |
| 16 | First Reliance Bank | 27 | 1.7% | — |
| 17 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 26 | 1.6% | 14.1% |
| 18 | Atlantic Union Bank 73 out of 100, Strong | 25 | 1.6% | 23.3% |
| 19 | Navy Federal Credit Union 66 out of 100, Moderate | 22 | 1.4% | 32.9% |
| 20 | Mortgage Research Center, LLC | 22 | 1.4% | — |
| 21 | FIGURE LENDING LLC | 22 | 1.4% | — |
| 22 | BLUE EAGLE CREDIT UNION 84 out of 100, Strong | 22 | 1.4% | 17.1% |
| 23 | MOVEMENT MORTGAGE, LLC | 21 | 1.3% | — |
| 24 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 21 | 1.3% | 22.5% |
| 25 | NATIONSTAR MORTGAGE LLC | 20 | 1.3% | — |
| 26 | AmeriSave Mortgage Corporation | 19 | 1.2% | — |
| 27 | Bank of America, National Association 59 out of 100, Moderate | 17 | 1.1% | 44.7% |
| 28 | SWBC MORTGAGE CORPORATION | 17 | 1.1% | — |
| 29 | Integrity Home Mortgage Corporation | 17 | 1.1% | — |
| 30 | HomeTrust Bank 68 out of 100, Moderate | 16 | 1.0% | 24.1% |
| 31 | Fairway Independent Mortgage Corporation | 15 | 0.9% | — |
| 32 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 14 | 0.9% | 22.2% |
| 33 | LAKEVIEW LOAN SERVICING, LLC | 14 | 0.9% | — |
| 34 | Coastal Community Bank 35 out of 100, Low | 14 | 0.9% | 3.0% |
| 35 | SPRING EQ, LLC | 13 | 0.8% | — |
| 36 | Citizens Bank, National Association 54 out of 100, Below average | 12 | 0.8% | 32.5% |
| 37 | CROSSCOUNTRY MORTGAGE, INC. | 12 | 0.8% | — |
| 38 | GUARANTEED RATE, INC. | 10 | 0.6% | — |
| 39 | Pinnacle Bank 60 out of 100, Moderate | 10 | 0.6% | 17.5% |
| 40 | UNION HOME MORTGAGE CORP. | 10 | 0.6% | — |
Top 40 of 177 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Virginia
- Fairfax County 40,597 apps
- Virginia Beach city 23,030 apps
- Prince William County 22,278 apps
- Loudoun County 22,017 apps
- Chesterfield County 20,714 apps
- Henrico County 15,494 apps
- Chesapeake city 14,973 apps
- Norfolk city 10,756 apps
- Spotsylvania County 9,422 apps
- Stafford County 9,411 apps
- Richmond city 7,953 apps
- Newport News city 7,787 apps