Largest lenders in Clarke County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 41 | 33 | 17.1% | 6.88% |
| 2 | Navy Federal Credit Union | D | 39 | 22 | 18.0% | 8.35% |
| 3 | Truist Bank | C | 32 | 19 | 31.3% | 6.95% |
| 4 | Bank of Clarke | D | 21 | 13 | 19.1% | — |
| 5 | Atlantic Coast Mortgage | A | 17 | 14 | 0.0% | 6.63% |
| 6 | Freedom Mortgage | B | 14 | 6 | 7.1% | 6.31% |
| 7 | United Shore Financial Services | B | 14 | 13 | 7.1% | 6.12% |
| 8 | Bank of America | F | 13 | 6 | 23.1% | 5.99% |
| 9 | Crosscountry Mortgage | B | 12 | 9 | 0.0% | 6.49% |
| 10 | Newrez | D | 9 | 4 | 22.2% | 7.75% |
| 11 | Pennymac Loan Services | C | 8 | 1 | 37.5% | 6.12% |
| 12 | Lakeview Loan Servicing | C | 8 | 2 | 37.5% | 7.88% |
| 13 | Discover Bank | F | 7 | 0 | 71.4% | — |
| 14 | Atlantic Union Bank | C | 7 | 4 | 28.6% | 6.94% |
| 15 | Guaranteed Rate | B | 7 | 4 | 0.0% | 6.29% |
| 16 | Carrington Mortgage Services | D | 7 | 2 | 57.1% | 7.56% |
| 17 | Northwest Federal Credit Union | D | 7 | 7 | 0.0% | 7.13% |
| 18 | Fairway Independent Mortgage | B | 7 | 6 | 0.0% | 6.44% |
| 19 | Mortgage Research Center | C | 7 | 3 | 0.0% | 6.50% |
| 20 | Integrity Home Mortgage | B | 7 | 7 | 0.0% | 7.00% |
| 21 | Apple Federal Credit Union | D | 7 | 4 | 28.6% | 9.49% |
| 22 | PNC Bank | D | 6 | 4 | 16.7% | 0.25% |
| 23 | CMG Mortgage | A | 6 | 5 | 16.7% | 6.25% |
| 24 | Broker Solutions | D | 6 | 1 | 16.7% | 6.24% |
| 25 | Guild Mortgage | A | 6 | 3 | 0.0% | 6.88% |
What Clarke County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Clarke County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 507 | 295 | 17.0% | 6.75% | $255,000 |
| 2024 | 559 | 313 | 16.6% | 6.99% | $265,000 |
| 2025 | 527 | 326 | 16.5% | 6.75% | $285,000 |
Frequently asked questions
16.5% of applications in Clarke County were denied in 2025, against 15.9% statewide in Virginia.
Rocket Mortgage, with 41 applications in 2025 and a denial rate of 17.1%.
The median mortgage application in Clarke County in 2025 was for $285,000; the median property value on originated loans was $605,000.