Largest lenders in Grayson County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Skyline National Bank | B | 75 | 59 | 9.3% | — |
| 2 | Rocket Mortgage | C | 41 | 34 | 12.2% | 6.63% |
| 3 | Vanderbilt Mortgage and Finance | F | 31 | 2 | 25.8% | 10.13% |
| 4 | Truist Bank | C | 22 | 18 | 13.6% | 7.62% |
| 5 | Atlantic Bay Mortgage Group | A | 20 | 19 | 0.0% | 6.75% |
| 6 | Truliant Federal Credit Union | D | 17 | 4 | 58.8% | 7.37% |
| 7 | Mortgage Research Center | C | 15 | 12 | 6.7% | 6.50% |
| 8 | State Employees' | C | 13 | 8 | 15.4% | 6.50% |
| 9 | Emm Loans | B | 12 | 12 | 0.0% | 6.50% |
| 10 | Movement Mortgage | A | 11 | 11 | 0.0% | 7.13% |
| 11 | Navy Federal Credit Union | D | 9 | 6 | 0.0% | 6.13% |
| 12 | AmeriSave Mortgage | D | 7 | 1 | 71.4% | 5.13% |
| 13 | Virginia Credit Union | D | 7 | 3 | 42.9% | 6.25% |
| 14 | Pennymac Loan Services | C | 6 | 3 | 0.0% | 8.63% |
| 15 | First-Citizens Bank & Trust | B | 6 | 4 | 16.7% | 6.43% |
| 16 | The Bank of Marion | B | 6 | 2 | 33.3% | — |
| 17 | USAA Federal Savings Bank | C | 5 | 2 | 40.0% | 6.38% |
| 18 | Carter Bank & Trust | C | 5 | 3 | 40.0% | 8.38% |
| 19 | Alcova Mortgage | A | 5 | 4 | 0.0% | 7.06% |
| 20 | Nationstar Mortgage | C | 5 | 3 | 20.0% | 5.99% |
| 21 | United Shore Financial Services | B | 5 | 1 | 20.0% | 6.62% |
| 22 | Broker Solutions | D | 5 | 2 | 0.0% | 6.87% |
| 23 | Loandepot.Com | D | 5 | 2 | 0.0% | 8.81% |
| 24 | Click n' Close | C | 5 | 4 | 0.0% | 6.63% |
| 25 | Farm Credit of the Virginias, ACA | D | 5 | 2 | 20.0% | 8.44% |
Best approval odds in Grayson County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Skyline National Bank | 66 | 10.6% |
What Grayson County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Grayson County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 390 | 234 | 20.5% | 6.99% | $110,000 |
| 2024 | 373 | 200 | 24.7% | 6.99% | $115,000 |
| 2025 | 450 | 278 | 16.0% | 6.75% | $135,000 |
Frequently asked questions
16.0% of applications in Grayson County were denied in 2025, against 15.9% statewide in Virginia.
Skyline National Bank, with 75 applications in 2025 and a denial rate of 9.3%.
The median mortgage application in Grayson County in 2025 was for $135,000; the median property value on originated loans was $225,000.