Virginia

Today's Virginia (VA) Mortgage Rates


eRates Mortgage
NMLS # 1071
State Lic # MC-1772
3.875% APR
3.875% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,175.59

NEXT  

E-Click Lending
NMLS # 1256692
State Lic # MC-5920
3.875% APR
3.875% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,175.59

NEXT  
3.875% APR
3.875% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,175.59

NEXT  

Ally Bank
NMLS # 181005
State Lic # MC-5920
4.029% APR
4.000% RATE
0 Points
45 day lock
Fees: $865
Monthly Payment
$1,193.54

NEXT  

JG Wentworth Home Lending
NMLS # 2925
State Lic # MC-1875
4.135% APR
4.125% RATE
0 Points
45 day lock
Fees: $299
Monthly Payment
$1,211.62

NEXT  

First Mortgage Direct
NMLS # 244476
State Lic # MC-5877
3.875% APR
3.875% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,175.59

NEXT  

Sebonic Financial
NMLS # 66247
State Lic # MC-1825
3.687% APR
3.625% RATE
0 Points
30 day lock
Fees: $1,912
Monthly Payment
$1,140.13

NEXT  

Flagstar Bank
NMLS # 417490
State Lic # MC-1825
3.990% APR
3.990% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,192.10

NEXT  

Northpointe Bank
NMLS # 447490
State Lic # MC-1825
3.751% APR
3.750% RATE
0 Points
30 day lock
Fees: $25
Monthly Payment
$1,157.79

NEXT  

Rates were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. APR and Payment examples shown do not include amounts for taxes and insurance premiums. The monthly payment obligation will be greater if taxes and insurance are included.


Virginia (VA) Mortgage Rates & Mortgage Loan Data – Prior Year

  • Loan originated: 2,411,242
  • Loan purchased by the institution: 988,198
  • Application denied by financial institution: 762,720
  • Application withdrawn by applicant: 471,780
  • Application approved but not accepted: 201,692
  • File closed for incompleteness: 134,184
  • Preapproval request denied by financial institution: 854
  • Preapproval request approved but not accepted: 83

  • Refinancing: 2,979,891
  • Home purchase: 1,676,348
  • Home improvement: 314,514

  • Conventional: 3,619,097
  • FHA-insured: 774,807
  • VA-guaranteed: 525,597
  • FSA/RHS-guaranteed: 51,252

  • White: 2,953,415
  • Information not provided by applicant in mail, Internet, or telephone application: 681,465
  • Black or African American: 548,779
  • Not applicable: 492,220
  • Asian: 258,139
  • American Indian or Alaska Native: 20,010
  • Native Hawaiian or Other Pacific Islander: 16,725

  • Not Hispanic or Latino: 3,609,477
  • Information not provided by applicant in mail, Internet, or telephone application: 670,071
  • Not applicable: 493,347
  • Hispanic or Latino: 197,858

  • Male: 2,848,130
  • Female: 1,243,145
  • Not applicable: 492,538
  • Information not provided by applicant in mail, Internet, or telephone application: 386,940

  • Department of Housing and Urban Development: 1,348,000
  • Consumer Financial Protection Bureau: 1,261,136
  • Office of the Comptroller of the Currency: 919,220
  • Federal Reserve System: 555,250
  • Federal Deposit Insurance Corporation: 356,295
  • Office of Thrift Supervision: 298,972
  • National Credit Union Administration: 231,880

  • Fairfax County: 766,764
  • Prince William County: 334,740
  • Virginia Beach city: 315,126
  • Loudoun County: 310,178
  • Chesterfield County: 228,641
  • Henrico County: 195,664
  • Chesapeake city: 166,246
  • Arlington County: 136,385
  • Norfolk city: 115,296
  • Stafford County: 104,479
  • Richmond city: 97,238
  • Alexandria city: 94,869
  • Spotsylvania County: 93,509
  • Newport News city: 90,395
  • Hampton city: 80,609
  • Hanover County: 68,056
  • Suffolk city: 63,699
  • Portsmouth city: 60,155
  • Albemarle County: 55,001
  • Roanoke County: 54,027
  • Frederick County: 53,148
  • James City County: 51,676
  • Fauquier County: 48,274
  • Roanoke city: 45,710
  • Bedford County: 44,102
  • York County: 42,663
  • Augusta County: 38,738
  • Montgomery County: 37,811
  • Rockingham County: 36,620
  • Culpeper County: 30,302
  • Franklin County: 29,365
  • Lynchburg city: 29,187
  • Warren County: 27,017
  • Gloucester County: 25,894
  • Campbell County: 25,746
  • Louisa County: 25,619
  • Manassas city: 24,664
  • Shenandoah County: 24,646
  • Isle of Wight County: 24,421
  • Orange County: 23,617
  • Pittsylvania County: 22,284
  • Caroline County: 21,968
  • Washington County: 21,019
  • Botetourt County: 19,851
  • Powhatan County: 19,588
  • Charlottesville city: 18,501
  • Fluvanna County: 18,458
  • Prince George County: 17,936
  • King George County: 17,456
  • Henry County: 16,337
  • Fairfax city: 16,289
  • Dinwiddie County: 16,156
  • New Kent County: 15,806
  • Pulaski County: 15,472
  • Accomack County: 15,045
  • Goochland County: 14,994
  • Amherst County: 14,624
  • Tazewell County: 14,154
  • Petersburg city: 14,015
  • Harrisonburg city: 13,898
  • Wise County: 12,716
  • Greene County: 12,439
  • Westmoreland County: 12,333
  • Salem city: 12,149
  • Staunton city: 11,934
  • Page County: 11,670
  • Mecklenburg County: 11,549
  • Fredericksburg city: 11,437
  • Danville city: 11,393
  • King William County: 11,264
  • Wythe County: 11,194
  • Winchester city: 11,039
  • Manassas Park city: 11,000
  • Unknown: 10,980
  • Nelson County: 10,927
  • Hopewell city: 10,767
  • Carroll County: 10,423
  • Halifax County: 10,346
  • Waynesboro city: 10,313
  • Rockbridge County: 10,226
  • Smyth County: 9,852
  • Clarke County: 9,662
  • Falls Church city: 9,124
  • Northumberland County: 9,005
  • Colonial Heights city: 8,930
  • Southampton County: 8,737
  • Russell County: 8,651
  • Poquoson city: 7,906
  • Giles County: 7,856
  • Amelia County: 7,622
  • Middlesex County: 7,059
  • Prince Edward County: 6,946
  • Madison County: 6,756
  • Appomattox County: 6,414
  • Bristol city: 6,403
  • Lancaster County: 6,256
  • Floyd County: 6,162
  • Lee County: 6,034
  • Essex County: 5,866
  • Scott County: 5,840

  • Washington, Arlington, Alexandria – DC, VA, MD, WV: 2,003,770
  • Virginia Beach, Norfolk, Newport News – VA, NC: 1,057,028
  • Richmond – VA: 785,841
  • Unknown: 468,755
  • Roanoke – VA: 163,751
  • Lynchburg – VA: 122,462
  • Charlottesville – VA: 116,337
  • Blacksburg, Christiansburg, Radford – VA: 67,071
  • Winchester – VA, WV: 64,130
  • Harrisonburg – VA: 50,476
  • Kingsport, Bristol, Bristol – TN, VA: 33,255
  • Danville – VA: 28,569
  • Staunton, Waynesboro – VA: 9,308

  • Unknown: 4,428,914
  • Credit history: 146,360
  • Collateral: 118,323
  • Debt-to-income ratio: 115,431
  • Other: 61,666
  • Credit application incomplete: 59,558
  • Unverifiable information: 21,292
  • Insufficient cash (downpayment, closing costs): 12,238
  • Employment history: 6,178
  • Mortgage insurance denied: 793

  • Not a HOEPA loan: 4,969,878
  • HOEPA loan: 875

  • Secured by a first lien: 3,622,881
  • Not applicable: 988,198
  • Secured by a subordinate lien: 242,381
  • Not secured by a lien: 117,293

  • Owner-occupied as a principal dwelling: 4,559,284
  • Not owner-occupied as a principal dwelling: 396,038
  • Not applicable: 15,431

  • One-to-four family dwelling (other than manufactured housing): 4,873,051
  • Manufactured housing: 92,888
  • Multifamily dwelling: 4,814

  • Loan was not originated or was not sold in calendar year covered by register: 2,387,691
  • Fannie Mae (FNMA): 660,758
  • Ginnie Mae (GNMA): 509,144
  • Freddie Mac (FHLMC): 426,947
  • Commercial bank, savings bank or savings association: 338,155
  • Affiliate institution: 229,566
  • Other type of purchaser: 219,139
  • Life insurance company, credit union, mortgage bank, or finance company: 170,030
  • Private securitization: 29,304
  • Farmer Mac (FAMC): 19