Largest lenders in Roane County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Poca Valley Bank | C | 64 | 50 | 10.9% | — |
| 2 | Vanderbilt Mortgage and Finance | F | 31 | 0 | 51.6% | — |
| 3 | Rocket Mortgage | C | 25 | 10 | 40.0% | 6.99% |
| 4 | Peoples Bank | C | 16 | 11 | 25.0% | 7.24% |
| 5 | Credit Human Federal Credit Union | D | 14 | 1 | 85.7% | 8.10% |
| 6 | AmeriSave Mortgage | D | 10 | 1 | 80.0% | 7.75% |
| 7 | United Shore Financial Services | B | 9 | 4 | 22.2% | 6.56% |
| 8 | Triad Financial Services | D | 9 | 1 | 33.3% | 9.19% |
| 9 | Loandepot.Com | D | 8 | 5 | 37.5% | 6.35% |
| 10 | Truist Bank | C | 6 | 4 | 33.3% | 6.74% |
| 11 | Broker Solutions | D | 6 | 1 | 0.0% | 7.25% |
| 12 | Southwest Stage Funding | F | 6 | 0 | 0.0% | — |
| 13 | Victorian Finance | C | 5 | 3 | 0.0% | 6.75% |
| 14 | Tammac Holdings | D | 5 | 0 | 80.0% | — |
Best approval odds in Roane County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | The Poca Valley Bank | 58 | 12.1% |
What Roane County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Roane County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 268 | 146 | 25.4% | 6.99% | $105,000 |
| 2024 | 294 | 138 | 29.9% | 6.99% | $125,000 |
| 2025 | 296 | 122 | 32.4% | 6.63% | $125,000 |
Frequently asked questions
32.4% of applications in Roane County were denied in 2025, against 21.2% statewide in West Virginia.
The Poca Valley Bank, with 64 applications in 2025 and a denial rate of 10.9%.
The median mortgage application in Roane County in 2025 was for $125,000; the median property value on originated loans was $185,000.