Alcova Mortgage, LLC Mortgage Lending & HMDA Data, 2025
In 2025, Alcova Mortgage, LLC of Roanoke, VA reported 7,839 mortgage applications totaling $2.3 billion, up 24% from 2024. The average application was for $289,799, and applicants reported an average income of $118,137. 79% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Charlotte-Concord-Gastonia, NC-SC (595), Richmond, VA (459) and Arlington-Alexandria-Reston, VA-WV (332) (applications in parentheses).
| Mortgage Company & Address | Alcova Mortgage, LLC 308 Market St, Se Roanoke, VA 24011 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 7,839 |
| Total Mortgage Loan Application Amount | $2,271,735,000 |
| Average Mortgage Loan Application Amount | $289,799 |
| Highest Mortgage Loan Application Amount | $3,505,000 |
| Average Applicant Income | $118,137 |
| Highest Applicant Income | $4,851,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Alcova Mortgage, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 2,266 | $ 491,840,000 | $ 217,052 | $ 90,805 |
| Charlotte-Concord-Gastonia, NC-SC | 595 | $ 203,745,000 | $ 342,428 | $ 131,072 |
| Richmond, VA | 459 | $ 162,545,000 | $ 354,128 | $ 147,000 |
| Arlington-Alexandria-Reston, VA-WV | 332 | $ 179,260,000 | $ 539,939 | $ 179,039 |
| Roanoke, VA | 322 | $ 83,370,000 | $ 258,913 | $ 101,000 |
| Lynchburg, VA | 271 | $ 77,245,000 | $ 285,036 | $ 135,000 |
| Blacksburg-Christiansburg-Radford, VA | 265 | $ 73,655,000 | $ 277,943 | $ 115,000 |
| Greensboro-High Point, NC | 230 | $ 51,960,000 | $ 225,913 | $ 95,000 |
| Staunton-Waynesboro, VA | 216 | $ 53,590,000 | $ 248,101 | $ 88,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 206 | $ 80,770,000 | $ 392,087 | $ 144,752 |
| Raleigh, NC | 199 | $ 74,215,000 | $ 372,939 | $ 142,000 |
| Greenville, NC | 179 | $ 41,405,000 | $ 231,312 | $ 104,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 161 | $ 42,955,000 | $ 266,801 | $ 117,000 |
| Hickory-Lenoir-Morganton, NC | 135 | $ 29,905,000 | $ 221,518 | $ 89,000 |
| Wilmington, NC | 104 | $ 41,330,000 | $ 397,403 | $ 153,000 |
| Winston-Salem, NC | 85 | $ 19,355,000 | $ 227,705 | $ 87,000 |
| Warner Robins, GA | 83 | $ 19,475,000 | $ 234,638 | $ 108,000 |
| Harrisonburg, VA | 80 | $ 25,300,000 | $ 316,250 | $ 111,000 |
| Asheville, NC | 79 | $ 29,215,000 | $ 369,810 | $ 182,000 |
| Fayetteville, NC | 78 | $ 16,460,000 | $ 211,025 | $ 76,000 |
| Baltimore-Columbia-Towson, MD | 73 | $ 26,455,000 | $ 362,397 | $ 147,000 |
| Austin-Round Rock, TX | 63 | $ 26,185,000 | $ 415,634 | $ 155,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 63 | $ 34,215,000 | $ 543,095 | $ 227,000 |
| Charleston-North Charleston, SC | 61 | $ 22,905,000 | $ 375,491 | $ 146,000 |
| Marietta, GA | 60 | $ 20,670,000 | $ 344,500 | $ 128,000 |
| Atlanta-Sandy Springs-Roswell, GA | 59 | $ 19,525,000 | $ 330,932 | $ 199,000 |
| Lancaster, PA | 58 | $ 17,840,000 | $ 307,586 | $ 123,000 |
| Florence, SC | 54 | $ 9,990,000 | $ 185,000 | $ 68,000 |
| Jacksonville, FL | 54 | $ 17,030,000 | $ 315,370 | $ 110,000 |
| Cleveland, OH | 46 | $ 10,940,000 | $ 237,826 | $ 116,000 |
| Columbia, SC | 44 | $ 10,370,000 | $ 235,681 | $ 86,000 |
| Youngstown-Warren-Boardman, OH-PA | 40 | $ 6,730,000 | $ 168,250 | $ 74,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 38 | $ 8,240,000 | $ 216,842 | $ 65,000 |
| Durham-Chapel Hill, NC | 36 | $ 13,220,000 | $ 367,222 | $ 136,000 |
| Charlottesville, VA | 35 | $ 12,045,000 | $ 344,142 | $ 185,000 |
| Washington, DC-MD | 33 | $ 17,975,000 | $ 544,696 | $ 325,484 |
| Macon-Bibb County, GA | 30 | $ 6,070,000 | $ 202,333 | $ 80,000 |
| Pinehurst-Southern Pines, NC | 29 | $ 12,985,000 | $ 447,758 | $ 178,000 |
| Winchester, VA-WV | 28 | $ 8,750,000 | $ 312,500 | $ 116,500 |
| Akron, OH | 25 | $ 5,165,000 | $ 206,600 | $ 90,000 |
| Burlington, NC | 25 | $ 7,475,000 | $ 299,000 | $ 103,000 |
| Orlando-Kissimmee-Sanford, FL | 25 | $ 9,515,000 | $ 380,600 | $ 219,000 |
| York-Hanover, PA | 25 | $ 8,255,000 | $ 330,200 | $ 112,000 |
| Greenville-Anderson-Mauldin, SC | 24 | $ 6,160,000 | $ 256,666 | $ 76,000 |
| Beckley, WV | 23 | $ 3,895,000 | $ 169,347 | $ 72,000 |
| Homosassa Springs, FL | 23 | $ 5,645,000 | $ 245,434 | $ 89,000 |
| San Antonio-New Braunfels, TX | 23 | $ 10,095,000 | $ 438,913 | $ 201,000 |
| Tampa, FL | 23 | $ 6,495,000 | $ 282,391 | $ 128,000 |
| Rocky Mount, NC | 22 | $ 4,590,000 | $ 208,636 | $ 113,000 |
| Goldsboro, NC | 19 | $ 3,795,000 | $ 199,736 | $ 81,000 |
| Houston-The Woodlands-Sugar Land, TX | 17 | $ 7,595,000 | $ 446,764 | $ 282,000 |
| Harrisburg-Carlisle, PA | 15 | $ 4,685,000 | $ 312,333 | $ 101,000 |
| Spartanburg, SC | 14 | $ 3,150,000 | $ 225,000 | $ 75,000 |
| Hagerstown-Martinsburg, MD-WV | 13 | $ 2,665,000 | $ 205,000 | $ 129,692 |
| Indianapolis-Carmel-Anderson, IN | 13 | $ 2,575,000 | $ 198,076 | $ 96,000 |
| Ocala, FL | 13 | $ 3,025,000 | $ 232,692 | $ 106,000 |
| Washington-Baltimore-Arlington, DC | 11 | $ 5,505,000 | $ 500,454 | $ 179,000 |
| Augusta-Richmond County, GA-SC | 10 | $ 2,160,000 | $ 216,000 | $ 58,000 |
| Canton-Massillon, OH | 10 | $ 1,910,000 | $ 191,000 | $ 80,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 10 | $ 3,200,000 | $ 320,000 | $ 120,000 |
| North Port-Sarasota-Bradenton, FL | 9 | $ 3,335,000 | $ 370,555 | $ 115,000 |
| Fort Worth-Arlington, TX | 8 | $ 2,710,000 | $ 338,750 | $ 135,000 |
| Louisville/Jefferson County, KY-IN | 8 | $ 1,600,000 | $ 200,000 | $ 85,000 |
| Jacksonville, NC | 7 | $ 1,875,000 | $ 267,857 | $ 102,000 |
| Kingsport-Bristol-Bristol, TN-VA | 7 | $ 1,705,000 | $ 243,571 | $ 97,142 |
| Lakeland-Winter Haven, FL | 7 | $ 2,095,000 | $ 299,285 | $ 128,000 |
| Dallas-Plano-Irving, TX | 6 | $ 2,400,000 | $ 400,000 | $ 349,000 |
| Panama City, FL | 6 | $ 1,460,000 | $ 243,333 | $ 157,000 |
| Pittsburgh, PA | 6 | $ 1,140,000 | $ 190,000 | $ 84,000 |
| Charleston, WV | 5 | $ 685,000 | $ 137,000 | $ 62,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 2,335,000 | $ 467,000 | $ 120,000 |
| Philadelphia, PA | 5 | $ 1,125,000 | $ 225,000 | $ 86,000 |
| Reading, PA | 5 | $ 1,685,000 | $ 337,000 | $ 128,000 |
| Savannah, GA | 5 | $ 1,715,000 | $ 343,000 | $ 136,000 |
| St. Petersburg-Clearwater-Largo, FL | 5 | $ 1,865,000 | $ 373,000 | $ 184,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 5 | $ 3,785,000 | $ 757,000 | $ 598,000 |
| Chattanooga, TN-GA | 4 | $ 1,010,000 | $ 252,500 | $ 92,500 |
| Gettysburg, PA | 4 | $ 1,170,000 | $ 292,500 | $ 94,000 |
| Knoxville, TN | 4 | $ 800,000 | $ 200,000 | $ 85,000 |
| Brunswick, GA | 3 | $ 895,000 | $ 298,333 | $ 109,000 |
| Chambersburg-Waynesboro, PA | 3 | $ 765,000 | $ 255,000 | $ 57,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 1,475,000 | $ 491,666 | $ 237,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 445,000 | $ 148,333 | $ 94,000 |
| Johnson City, TN | 3 | $ 585,000 | $ 195,000 | $ 83,000 |
| Kansas City, MO-KS | 3 | $ 665,000 | $ 221,666 | $ 67,000 |
| Killeen-Temple, TX | 3 | $ 675,000 | $ 225,000 | $ 102,000 |
| Lebanon, PA | 3 | $ 1,165,000 | $ 388,333 | $ 128,000 |
| Morgantown, WV | 3 | $ 935,000 | $ 311,666 | $ 90,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 995,000 | $ 331,666 | $ 156,000 |
| Port St. Lucie, FL | 3 | $ 1,485,000 | $ 495,000 | $ 207,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 510,000 | $ 255,000 | $ 108,000 |
| Birmingham-Hoover, AL | 2 | $ 530,000 | $ 265,000 | $ 155,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 510,000 | $ 255,000 | $ 68,000 |
| Chicago-Naperville, IL | 2 | $ 350,000 | $ 175,000 | $ 122,000 |
| Clarksville, TN-KY | 2 | $ 430,000 | $ 215,000 | $ 54,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 1,500,000 | $ 750,000 | $ 350,000 |
| Elgin, IL | 2 | $ 730,000 | $ 365,000 | $ 160,000 |
| Erie, PA | 2 | $ 700,000 | $ 350,000 | $ 88,000 |
| Gainesville, FL | 2 | $ 550,000 | $ 275,000 | $ 241,000 |
| Jackson, TN | 2 | $ 440,000 | $ 220,000 | $ 56,000 |
| Lexington Park, MD | 2 | $ 970,000 | $ 485,000 | $ 221,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 410,000 | $ 205,000 | $ 178,000 |
| Mansfield, OH | 2 | $ 450,000 | $ 225,000 | $ 84,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 630,000 | $ 315,000 | $ 109,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 1,120,000 | $ 560,000 | $ 222,000 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 770,000 | $ 385,000 | $ 93,000 |
| Owensboro, KY | 2 | $ 350,000 | $ 175,000 | $ 50,000 |
| Parkersburg-Vienna, WV | 2 | $ 620,000 | $ 310,000 | $ 119,000 |
| Punta Gorda, FL | 2 | $ 500,000 | $ 250,000 | $ 104,000 |
| Tulsa, OK | 2 | $ 510,000 | $ 255,000 | $ 345,000 |
| Altoona, PA | 1 | $ 55,000 | $ 55,000 | $ 128,000 |
| Auburn-Opelika, AL | 1 | $ 215,000 | $ 215,000 | $ 59,000 |
| Camden, NJ | 1 | $ 535,000 | $ 535,000 | $ 163,000 |
| Cincinnati, OH-KY-IN | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| Cleveland, TN | 1 | $ 295,000 | $ 295,000 | $ 56,000 |
| Corpus Christi, TX | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Gainesville, GA | 1 | $ 775,000 | $ 775,000 | $ 483,000 |
| Huntsville, AL | 1 | $ 425,000 | $ 425,000 | $ 362,000 |
| Lakewood-New Brunswick, NJ | 1 | $ 315,000 | $ 315,000 | $ 125,000 |
| Lexington-Fayette, KY | 1 | $ 165,000 | $ 165,000 | $ 64,000 |
| Midland, TX | 1 | $ 305,000 | $ 305,000 | $ 106,000 |
| Mobile, AL | 1 | $ 105,000 | $ 105,000 | $ 44,000 |
| Morristown, TN | 1 | $ 335,000 | $ 335,000 | $ 91,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 235,000 | $ 235,000 | $ 227,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 305,000 | $ 305,000 | $ 95,000 |
| Rome, GA | 1 | $ 275,000 | $ 275,000 | $ 76,000 |
| Salisbury, MD-DE | 1 | $ 295,000 | $ 295,000 | $ 124,000 |
| Sebastian-Vero Beach, FL | 1 | $ 385,000 | $ 385,000 | $ 126,000 |
| Sumter, SC | 1 | $ 125,000 | $ 125,000 | $ 34,000 |
| Tacoma-Lakewood, WA | 1 | $ 485,000 | $ 485,000 | $ 173,000 |
| Tallahassee, FL | 1 | $ 215,000 | $ 215,000 | $ 89,000 |
| Victoria, TX | 1 | $ 365,000 | $ 365,000 | $ 125,000 |
| Wildwood-The Villages, FL | 1 | $ 505,000 | $ 505,000 | $ 260,000 |
Mortgage Loan Application Detail Totals for Alcova Mortgage, LLC in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 6,724 | $1,936,590,000 | $288,000 | $3,505,000 | $117,000 | $3,929,000 |
| Refinancing | 1,115 | $335,145,000 | $300,000 | $2,165,000 | $125,000 | $4,851,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 5,176 | $1,497,770,000 | $289,000 | $3,505,000 | $120,000 | $4,851,000 |
| Black or African American | 828 | $203,470,000 | $245,000 | $2,805,000 | $93,000 | $1,063,000 |
| Not Provided | 783 | $250,895,000 | $320,000 | $1,815,000 | $132,000 | $1,620,000 |
| Hispanic | 776 | $224,380,000 | $289,000 | $1,315,000 | $103,000 | $1,484,000 |
| Asian | 227 | $82,625,000 | $363,000 | $1,235,000 | $148,000 | $644,000 |
| American Indian or Alaskan Native | 44 | $10,710,000 | $243,000 | $615,000 | $111,000 | $591,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,885,000 | $377,000 | $975,000 | $116,000 | $178,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 4,575 | $1,345,325,000 | $294,000 | $3,505,000 | $136,000 | $4,851,000 |
| FHA-insured (Federal Housing Administration) | 2,054 | $551,940,000 | $268,000 | $1,235,000 | $89,000 | $490,000 |
| VA-guaranteed (Veterans Administration) | 686 | $274,990,000 | $400,000 | $2,405,000 | $117,000 | $1,874,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 524 | $99,480,000 | $189,000 | $445,000 | $69,000 | $158,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 6,192 | $1,826,390,000 | $294,000 | $3,505,000 | $119,000 | $4,851,000 |
| Application Withdrawn By Applicant | 746 | $214,750,000 | $287,000 | $2,405,000 | $124,000 | $3,700,000 |
| Application Approved But Not Accepted | 673 | $174,295,000 | $258,000 | $1,625,000 | $110,000 | $2,119,000 |
| Application Denied By Financial Institution | 228 | $56,300,000 | $246,000 | $825,000 | $88,000 | $615,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 7,611 | $2,215,435,000 | $291,000 | $3,505,000 | $119,000 | $4,851,000 |
| Collateral | 76 | $17,620,000 | $231,000 | $795,000 | $94,000 | $615,000 |
| Debt-To-Income Ratio | 51 | $13,205,000 | $258,000 | $615,000 | $84,000 | $597,000 |
| Credit Application Incomplete | 31 | $7,985,000 | $257,000 | $825,000 | $84,000 | $230,000 |
| Other | 23 | $6,955,000 | $302,000 | $525,000 | $91,000 | $249,000 |
| Employment History | 14 | $2,990,000 | $213,000 | $655,000 | $92,000 | $316,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $2,785,000 | $214,000 | $505,000 | $73,000 | $148,000 |
| Unverifiable Information | 11 | $2,675,000 | $243,000 | $575,000 | $96,000 | $280,000 |
| Credit History | 9 | $2,085,000 | $231,000 | $505,000 | $80,000 | $125,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Alcova Mortgage, LLC's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Alcova Mortgage, LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.
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