Bank of Botetourt in Virginia vs the state
3.9%Denial rate-12.04 pts vs state
4.3%Decision denial rate-15.93 pts vs state
85.9%Origination rate+26.33 pts vs state
—Median rate
—Rate spread (pts)
$124kMedian applicant income
176Loans originated
8Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 328 | 289 | 3.7% | — | #139 |
| 2024 | 256 | 226 | 3.5% | — | #177 |
| 2025 | 205 | 176 | 3.9% | — | #203 |
What Bank of Botetourt lends in Virginia
By loan purpose
By loan type
Where in Virginia
Counties with the most Bank of Botetourt applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Botetourt County | 57 | 46 | 1 | 1.8% |
| Roanoke city | 39 | 33 | 1 | 2.6% |
| Franklin County | 34 | 34 | 0 | 0.0% |
| Roanoke County | 23 | 18 | 1 | 4.3% |
| Bedford County | 18 | 16 | 1 | 5.6% |
| Rockbridge County | 15 | 12 | 3 | 20.0% |
| Covington city | 3 | 2 | 0 | 0.0% |
| Alleghany County | 3 | 3 | 0 | 0.0% |
| Buena Vista city | 2 | 2 | 0 | 0.0% |
| Montgomery County | 2 | 2 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 205 applications in 2025, of which 176 were originated and 8 denied.
3.9% of all applications, or 4.3% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Bank of Botetourt's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology