---
canonical_url: https://lendb.ai/lo/robert-bates-191832
json_url: https://lendb.ai/lo/robert-bates-191832.json
nmls_id: 191832
last_verified: 2026-10-09
---

# Robert Bates

Branch Partner at ALCOVA Mortgage, Hardy, VA. NMLS ID 191832 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/191832)).

**Summary:** Robert Bates (NMLS 191832) is Branch Partner at ALCOVA Mortgage, based in Hardy, VA. Licensed in Virginia. Focus areas shown on the lender page: Bank statement loan, DSCR loan, FHA loan, HELOC and Reverse mortgage. Last verified 2026-10-09.

## At a glance

- Years licensed: unknown
- Licensed in: Virginia (VA)
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **Bank statement loan** (`bank-statement`): lender page, confidence 0.70, verified 2026-10-09. Source: https://alcova.com/loan-officer/rbates/
- **DSCR loan** (`dscr`): lender page, confidence 0.70, verified 2026-10-09. Source: https://alcova.com/loan-officer/rbates/
- **FHA loan** (`fha`): lender page, confidence 0.70, verified 2026-10-09. Source: https://alcova.com/loan-officer/rbates/
- **HELOC** (`heloc`): lender page, confidence 0.70, verified 2026-10-09. Source: https://alcova.com/loan-officer/rbates/
- **Reverse mortgage** (`reverse`): lender page, confidence 0.70, verified 2026-10-09. Source: https://alcova.com/loan-officer/rbates/
- **USDA loan** (`usda`): lender page, confidence 0.70, verified 2026-10-09. Source: https://alcova.com/loan-officer/rbates/
- **VA loan** (`va`): lender page, confidence 0.70, verified 2026-10-09. Source: https://alcova.com/loan-officer/rbates/

## About

Robert has extensive mortgage industry experience and specializes in a wide range of loan programs including conventional, FHA, VA, USDA, Virginia Housing, reverse mortgages, HELOCs, DSCR, and bank statement loans. He is dedicated to finding solutions and tailoring loan options for first-time homebuyers, veterans, and self-employed borrowers.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- credential: Q2 2025 Top Producer. Source: https://alcova.com/loan-officer/rbates/, verified 2026-10-09.
- credential: Q3 2025 Top Producer. Source: https://alcova.com/loan-officer/rbates/, verified 2026-10-09.
- credential: Q4 2025 Top Producer. Source: https://alcova.com/loan-officer/rbates/, verified 2026-10-09.
- credential: Q4 2025 Best Branch. Source: https://alcova.com/loan-officer/rbates/, verified 2026-10-09.
- community: Freedom Baptist Church, Harrisonburg Police Foundation, local food pantry nonprofits. Source: https://alcova.com/loan-officer/rbates/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Issued | Source | Verified |
|---|---|---|---|---|---|---|
| VA | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: ALCOVA Mortgage (NMLS 40508), Hardy, VA. Source: https://alcova.com/loan-officer/rbates/, verified 2026-10-09.

## Disciplinary actions

None on record at LenDb (regulator orders are not loaded yet; check NMLS Consumer Access).

## Contact

- linkedin_url: https://www.linkedin.com/in/robert-bates-bb37a917/ (source: lender_site, verified 2026-10-09)
- View profile at ALCOVA Mortgage: https://alcova.com/loan-officer/rbates/
- Email on file: shown at https://lendb.ai/lo/robert-bates-191832#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/191832
- lender_site: https://alcova.com/loan-officer/rbates/

Cite as: Robert Bates (NMLS 191832), ALCOVA Mortgage. LenDb.ai, https://lendb.ai/lo/robert-bates-191832, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._