Lender in Virginia · HMDA 2025
Alcova Mortgage LLC mortgages in Virginia
Alcova Mortgage LLC's 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
Alcova Mortgage LLC originated 2,359 owner-occupied single-family loans in Virginia from 2,621 completed applications, making it the state's #12 lender by volume.
Its median conventional purchase loan costs were $3,990 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.75% (Virginia: 6.625%).
Loans in VA
2,359
of 2,621 applications
Denial rate
2.6%
Purchase · VA 6.9%
Rate spread
+0.29 pts
Conv. · VA +0.10 pts
Loan amount
$285,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,315 | 2,083 | 2.6% | 6.750% | +0.29 pts | $3,990 | $285,000 |
| Refinance | 306 | 276 | 2.9% | 6.875% | +0.39 pts | $4,940 | $275,000 |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where Alcova Mortgage LLC ranks in the top 25
Showing the 30 counties where it ranks highest, of 77.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Augusta County | 1 | 110 | 10.2% |
| Henry County | 1 | 100 | 23.9% |
| Montgomery County | 1 | 96 | 10.8% |
| Alleghany County | 1 | 77 | 49.7% |
| Danville city | 1 | 56 | 17.5% |
| Rockbridge County | 1 | 54 | 20.9% |
| Covington city | 1 | 51 | 67.1% |
| Martinsville city | 1 | 46 | 30.9% |
| Staunton city | 1 | 41 | 10.0% |
| Floyd County | 1 | 30 | 19.9% |
| Patrick County | 1 | 22 | 15.7% |
| Prince Edward County | 1 | 19 | 9.3% |
| Buena Vista city | 1 | 19 | 25.3% |
| Bath County | 1 | 14 | 37.8% |
| Lexington city | 1 | 11 | 27.5% |
| Pittsylvania County | 2 | 65 | 12.4% |
| Botetourt County | 2 | 37 | 7.3% |
| Halifax County | 2 | 35 | 12.3% |
| Pulaski County | 2 | 35 | 8.3% |
| Amherst County | 2 | 26 | 6.5% |
| Giles County | 2 | 17 | 9.0% |
| Buckingham County | 2 | 9 | 5.5% |
| Roanoke County | 3 | 87 | 5.7% |
| Bedford County | 3 | 66 | 5.5% |
| Roanoke city | 3 | 63 | 5.1% |
| Waynesboro city | 3 | 24 | 5.4% |
| Cumberland County | 3 | 11 | 7.0% |
| Powhatan County | 4 | 32 | 5.7% |
| Salem city | 4 | 17 | 5.0% |
| Page County | 4 | 13 | 4.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology