Largest lenders in Rockbridge County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Alcova Mortgage | A | 67 | 61 | 0.0% | 6.75% |
| 2 | DuPont Community Federally Insured State-Chartered Credit Union | A | 66 | 48 | 15.2% | 7.25% |
| 3 | Rocket Mortgage | C | 56 | 42 | 14.3% | 6.38% |
| 4 | Dhi Mortgage Company | B | 46 | 35 | 8.7% | 5.00% |
| 5 | Truist Bank | C | 41 | 28 | 24.4% | 6.19% |
| 6 | City National Bank of West Virginia | C | 28 | 17 | 32.1% | 6.25% |
| 7 | Vanderbilt Mortgage and Finance | F | 28 | 3 | 35.7% | 11.99% |
| 8 | Atlantic Union Bank | C | 19 | 14 | 15.8% | 7.50% |
| 9 | Atlantic Bay Mortgage Group | A | 19 | 15 | 0.0% | 6.38% |
| 10 | Navy Federal Credit Union | D | 19 | 10 | 15.8% | 7.75% |
| 11 | Pennymac Loan Services | C | 18 | 5 | 22.2% | 6.25% |
| 12 | Mortgage Research Center | C | 16 | 9 | 6.3% | 5.99% |
| 13 | Bank of Botetourt | A | 15 | 12 | 20.0% | — |
| 14 | Newrez | D | 14 | 3 | 0.0% | 6.25% |
| 15 | Beacon Credit Union | C | 13 | 5 | 23.1% | 6.10% |
| 16 | Wells Fargo Bank | B | 10 | 5 | 30.0% | 6.25% |
| 17 | United Shore Financial Services | B | 10 | 4 | 10.0% | 7.31% |
| 18 | Coastal Community Bank | C | 9 | 5 | 0.0% | 10.49% |
| 19 | Broker Solutions | D | 8 | 2 | 0.0% | 8.06% |
| 20 | Loandepot.Com | D | 8 | 6 | 25.0% | 7.31% |
| 21 | USAA Federal Savings Bank | C | 7 | 4 | 14.3% | 6.75% |
| 22 | Spring Eq | D | 7 | 1 | 42.9% | 9.65% |
| 23 | Farm Credit of the Virginias, ACA | D | 7 | 2 | 14.3% | 7.94% |
| 24 | AmeriSave Mortgage | D | 6 | 0 | 100.0% | — |
| 25 | Village Capital & Investment | C | 6 | 2 | 0.0% | 6.37% |
Best approval odds in Rockbridge County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Alcova Mortgage | 64 | 0.0% |
| 2 | Rocket Mortgage | 50 | 16.0% |
| 3 | DuPont Community Federally Insured State-Chartered Credit Union | 59 | 17.0% |
What Rockbridge County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Rockbridge County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 550 | 343 | 19.3% | 6.92% | $160,000 |
| 2024 | 623 | 380 | 17.5% | 6.99% | $165,000 |
| 2025 | 757 | 445 | 18.4% | 6.63% | $185,000 |
Frequently asked questions
18.4% of applications in Rockbridge County were denied in 2025, against 15.9% statewide in Virginia.
Alcova Mortgage, with 67 applications in 2025 and a denial rate of 0.0%.
The median mortgage application in Rockbridge County in 2025 was for $185,000; the median property value on originated loans was $375,000.