Rockbridge County, VA Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 694 mortgage applications in Rockbridge County, VA totaling $140.6 million, up 14% from 2023. The average application was for $202,000, and applicants reported an average income of $106,000. 55% of applications resulted in an originated loan and 16% were denied. The most active lender was Alcova Mortgage, LLC, with 65 applications, followed by Truist Bank and Dupont Community Credit Union.

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Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 694
Total Mortgage Loan Application Amount $140,630,000
Average Mortgage Loan Application Amount $202,000
Highest Mortgage Loan Application Amount $1,365,000
Average Applicant Income $106,000
Highest Applicant Income $937,000

Mortgage Company List for Lending in Rockbridge County, VA for 2024

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ n/a 65 $ 13,575,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 42 $ 6,730,000
Dupont Community Credit Union
140 LUCY LANE
WAYNESBORO, VA 22980
* $ n/a 39 $ 5,095,000
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ n/a 33 $ 3,725,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ n/a 28 $ 5,650,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 26 $ 3,680,000
Atlantic Union Bank
1051 EAST CARY STREET, SUITE 1200
GLEN ALLEN, VA 23060
* $ n/a 25 $ 2,525,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 23 $ 5,475,000
Bank of Botetourt
19747 MAIN STREET
BUCHANAN, VA 24066
* $ n/a 23 $ 7,725,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 20 $ 5,990,000
DHI Mortgage Company, Ltd.
10700 PECAN PARK BLVD, SUITE 450
AUSTIN, TX 78750
* $ n/a 17 $ 5,075,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 16 $ 4,470,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 15 $ 4,455,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 15 $ 4,445,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 12 $ 2,960,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 9 $ 605,000
Beacon Credit Union
6320 LOGANS LN
LYNCHBURG, VA 24502
* $ n/a 9 $ 345,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 9 $ 655,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 9 $ 1,945,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 8 $ 2,890,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 8 $ 1,830,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 7 $ 1,655,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 7 $ 1,275,000
Virginia Federal Credit Union
PO BOX 90010
RICHMOND, VA 23225
* $ n/a 7 $ 1,095,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 7 $ 285,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 6 $ 1,890,000
Farm Credit of the Virginias, Aca
106 SANGERS LANE
STAUNTON, VA 24401
* $ n/a 6 $ 1,820,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 6 $ 1,000,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 6 $ 1,280,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 5 $ 995,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 5 $ 2,155,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 5 $ 545,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 5 $ 1,575,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 5 $ 685,000
First Bank and Trust Company
PO BOX 1000
ABINGDON, VA 24212
* $ n/a 4 $ 520,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 4 $ 410,000
Integrity Home Mortgage Corporation
122 PILOT CIRCLE
WINCHESTER, VA 22602
* $ n/a 3 $ 655,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 3 $ 655,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 3 $ 625,000
Atlantic Coast Mortgage, LLC
4100 MONUMENT CORNER DRIVE, SUITE 300
FAIRFAX, VA 22030
* $ n/a 3 $ 615,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 3 $ 975,000
Capital Center LLC
4510 COX ROAD STE 402
GLEN ALLEN, VA 23060
* $ n/a 3 $ 815,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 3 $ 265,000
C&F Mortgage Corporation
1400 ALVERSER DRIVE
MIDLOTHIAN, VA 23113
* $ n/a 3 $ 425,000
Member One Federal Credit Union
P.O. BOX 12288
ROANOKE, VA 24024
* $ n/a 3 $ 185,000
Gray Fox Mortgage, LLC
1135 ROSE HILL DR STE 101
CHARLOTTESVILLE, VA 22903
* $ n/a 3 $ 355,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 2 $ 250,000
First Reliance Bank
2170 W PALMETTO ST
FLORENCE, SC 29501
* $ n/a 2 $ 310,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 2 $ 310,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 2 $ 360,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ n/a 2 $ 1,020,000
Farmers & Merchants Bank
PO BOX 1111
TIMBERVILLE, VA 22853
* $ n/a 2 $ 400,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 2 $ 360,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 2 $ 350,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 2 $ 360,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ n/a 2 $ 240,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ n/a 2 $ 470,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ n/a 2 $ 660,000
Southern Trust Mortgage, LLC
295 BENDIX ROAD SUITE 400
VIRGINIA BEACH, VA 23452
* $ n/a 2 $ 660,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 2 $ 150,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 2 $ 120,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 2 $ 60,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ n/a 2 $ 210,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 2 $ 400,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 2 $ 610,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ n/a 2 $ 560,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 2 $ 460,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 2 $ 480,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 1 $ 115,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ n/a 1 $ 415,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ n/a 1 $ 485,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ n/a 1 $ 165,000
Hometrust Bank
PO BOX 10
ASHEVILLE, NC 28802
* $ n/a 1 $ 65,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 1 $ 165,000
1st Advantage Federal Credit U
110 CYBERNETICS WAY
YORKTOWN, VA 23693
* $ n/a 1 $ 305,000
Burke & Herbert Bk & Tr Co
100 S. FAIRFAX ST
ALEXANDRIA, VA 22315
* $ n/a 1 $ 155,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 1 $ 355,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 1 $ 135,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ n/a 1 $ 595,000
Langley Federal Credit Union
721 LAKEFRONT COMMONS, SUITE 102
NEWPORT NEWS, VA 23606
* $ n/a 1 $ 15,000
Summit Community Bank, Inc
PO BOX 680; 310 NORTH MAIN STREET
MOOREFIELD, WV 26836
* $ n/a 1 $ 295,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 1 $ 295,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 1 $ 15,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ n/a 1 $ 375,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 1 $ 245,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 225,000
United Bank VA

MORGANTOWN, WV 26505
* $ n/a 1 $ 525,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 1 $ 75,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ n/a 1 $ 85,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 1 $ 335,000
Bank of the James
828 MAIN STREET
LYNCHBURG, VA 24504
* $ n/a 1 $ 175,000
Bellco Credit Union
7600 E. ORCHARD ROAD #400N
GREENWOOD VILLAGE, CO 80111
* $ n/a 1 $ 65,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 1 $ 215,000
First Bank
112 W KING ST
STRASBURG, VA 22657
* $ n/a 1 $ 255,000
State Departmenet Federal Credit Union
1630 KING STREET
ALEXANDRIA, VA 22314
* $ n/a 1 $ 105,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ n/a 1 $ 75,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 1 $ 275,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ n/a 1 $ 345,000
Blue Eagle Credit Union
2121 ELECTRIC RD
ROANOKE, VA 24018
* $ n/a 1 $ 65,000
Florida Credit Union
PO BOX 5549
GAINESVILLE, FL 32627
* $ n/a 1 $ 55,000
Freedom First Federal Credit Union
5240 VALLEYPARK DRIVE
ROANOKE, VA 24019
* $ n/a 1 $ 105,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 1 $ 115,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 1 $ 295,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 1 $ 45,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 1 $ 295,000
Oak View National Bank
128 BROADVIEW AVENUE
WARRENTON, VA 20186
* $ n/a 1 $ 235,000
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ n/a 1 $ 255,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ n/a 1 $ 345,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 1 $ 405,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 1 $ 105,000
State Employees' Credit Union
P.O. DRAWER 25279
RALEIGH, NC 27611
* $ n/a 1 $ 125,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 1 $ 525,000
Towne Mortgage
3 COMMERCIAL PLACE STE 1440
NORFOLK, VA 23510
* $ n/a 1 $ 215,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 1 $ 145,000
Stride Bank, National Association
324 WEST BROADWAY AVENUE
ENID, OK 73701
* $ n/a 1 $ 115,000

The tables below break down 2024 mortgage applications in Rockbridge County, VA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Rockbridge County, VA in 2024

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 360 $89,750,000 $249,000 $1,365,000 $112,000 $683,000
Refinancing 98 $20,170,000 $205,000 $585,000 $102,000 $937,000
Other Purpose 80 $7,090,000 $88,000 $395,000 $95,000 $390,000
Home Improvement 79 $7,815,000 $98,000 $745,000 $106,000 $314,000
Cash-out Refinancing 75 $15,685,000 $209,000 $905,000 $97,000 $578,000
Not Applicable 2 $120,000 $60,000 $105,000 $106,000 $106,000

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 501 $98,245,000 $196,000 $1,365,000 $107,000 $937,000
Not Provided 80 $17,280,000 $216,000 $505,000 $98,000 $390,000
Not applicable 75 $18,205,000 $242,000 $745,000 $125,000 $142,000
Black or African American 14 $2,180,000 $155,000 $425,000 $113,000 $311,000
Hispanic 9 $1,045,000 $116,000 $265,000 $103,000 $145,000
American Indian or Alaskan Native 8 $2,200,000 $275,000 $395,000 $89,000 $133,000
Asian 7 $1,475,000 $210,000 $425,000 $86,000 $154,000
Native Hawaiian or Other Pacific Islander 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) 501 $87,385,000 $174,000 $1,365,000 $109,000 $937,000
FHA-insured (Federal Housing Administration) 87 $20,715,000 $238,000 $485,000 $81,000 $171,000
VA-guaranteed (Veterans Administration) 81 $28,425,000 $350,000 $825,000 $113,000 $300,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 25 $4,105,000 $164,000 $325,000 $77,000 $126,000

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 382 $83,110,000 $217,000 $1,365,000 $109,000 $683,000
Application Denied By Financial Institution 109 $15,005,000 $137,000 $585,000 $85,000 $343,000
Application Withdrawn By Applicant 76 $15,340,000 $201,000 $595,000 $109,000 $578,000
Loan Purchased By The Institution 68 $16,570,000 $243,000 $565,000 $178,000 $284,000
File Closed For Incompleteness 34 $5,810,000 $170,000 $905,000 $135,000 $937,000
Application Approved But Not Accepted 24 $4,420,000 $184,000 $585,000 $84,000 $217,000
Preapproval Approved but not Accepted 1 $375,000 $375,000 $375,000 $165,000 $165,000
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 561 $117,745,000 $209,000 $905,000 $109,000 $937,000
Debt-To-Income Ratio 49 $12,285,000 $250,000 $1,365,000 $109,000 $355,000
Credit History 36 $3,320,000 $92,000 $395,000 $75,000 $311,000
Credit Application Incomplete 19 $3,365,000 $177,000 $375,000 $88,000 $237,000
Collateral 16 $1,790,000 $111,000 $415,000 $85,000 $242,000
Other 7 $955,000 $136,000 $335,000 $135,000 $314,000
Unverifiable Information 5 $875,000 $175,000 $275,000 $66,000 $104,000
Insufficient Cash (Downpayment, Closing Cost) 1 $295,000 $295,000 $295,000 $101,000 $101,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

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