Mortgage lending in Botetourt County, Virginia
Lenders in Botetourt County, Virginia reported 1,404 mortgage applications for 2025, according to the CFPB.
1,404 mortgage applications and 896 loans originated in 2025; the denial rate was 17.8% of 1,135 applications decided. The median loan was about $205,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Roanoke, VA HUD Metro FMR Area.
- 1,404
- Applications
- 896
- Loans originated
- 17.8%
- Denial rate
- 202 denied of 1,135 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,404 | 896 |
| 2024 | 1,252 | 758 |
| 2023 | 1,153 | 704 |
| 2022 | 1,503 | 947 |
| 2021 | 2,533 | 1,715 |
| 2020 | 2,423 | 1,702 |
| 2019 | 1,735 | 1,133 |
| 2018 | 1,406 | 906 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 82 | 101 |
| Virginia Federal Credit Union | 63 | 87 |
| Freedom First Federal Credit Union | 46 | 63 |
| Bank of Botetourt | 46 | 57 |
| ALCOVA Mortgage, LLC | 41 | 46 |
| Atlantic Bay Mortgage Group | 37 | 42 |
| Truist Bank | 35 | 52 |
| First Reliance Bank | 25 | 27 |
| M2B Mortgage LLC | 24 | 31 |
| Atlantic Union Bank | 22 | 25 |
| United Wholesale Mortgage | 21 | 32 |
| Blue Eagle Credit Union | 18 | 22 |
| Movement Mortgage, LLC | 17 | 21 |
| SWBC Mortgage Corporation | 17 | 17 |
| First Ciitizens Bank and Trust | 16 | 21 |
| First Bank | 15 | 28 |
| Calcon Mutual Mortgage LLC | 15 | 34 |
| Pennymac Loan Services LLC | 14 | 28 |
| Integrity Home Mortgage Corporation | 13 | 17 |
| Navy Federal Credit Union | 11 | 22 |
| Newrez LLC | 11 | 32 |
| HomeTrust Bank | 10 | 16 |
| Wells Fargo Bank NA | 10 | 14 |
| Fairway Independent Mort Corp | 9 | 15 |
| Mortgage Research Center | 8 | 22 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 21 | no rate: base under 50 |
| Black or African American | 33 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,133 | 16.6% of 934 decided |
| Joint | 14 | no rate: base under 50 |
| Race Not Available | 198 | 20.9% of 153 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 14 | no rate: base under 50 |
| Not Hispanic or Latino | 1,146 | 16.6% of 935 decided |
| Joint | 20 | no rate: base under 50 |
| Ethnicity Not Available | 224 | 23.3% of 176 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 399 | 23.2% of 319 decided |
| Female | 265 | 18.2% of 203 decided |
| Joint | 607 | 13.8% of 513 decided |
| Sex Not Available | 133 | 20.0% of 100 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1089 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved