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Mortgage Rates in Virginia

84 real rates from borrowers and public HMDA records

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30-Yr Fixed Avg
6.387%
49 submissions
15-Yr Fixed Avg
5.827%
3 submissions
Total Submissions
84
Jan 2025 – Dec 2025
Lenders Reporting
8

Top Lenders in Virginia

LenderAvg RateSubmissions
TruistTruist6.205%3
Pentagon Federal (PenFed)Pentagon Federal (PenFed)6.000%3
Guild MortgageGuild Mortgage6.497%3
Cardinal FinancialCardinal Financial6.958%3
Alliant Credit UnionAlliant Credit Union5.667%3
Movement MortgageMovement Mortgage6.500%3
PennymacPennymac5.660%3
loanDepotloanDepot5.910%3

Rate Trend by Month

MonthAvg RateSubmissions
Dec 20256.000%5
Nov 20256.072%10
Oct 20256.143%6
Sep 20256.042%9
Aug 20256.306%13
Jul 20256.247%7
Jun 20256.260%5
May 20256.650%5
Apr 20256.273%6
Mar 20255.836%7
Feb 20256.519%6
Jan 20256.271%5

Frequently Asked Questions

What is the average mortgage rate in Virginia?
Based on 49 real 30-year fixed submissions, the average rate locked in Virginia is 6.387%. This reflects what borrowers actually locked, not lender-advertised teaser rates.
How many mortgage rate submissions does HomeLoans.fyi have for Virginia?
84 real rates from Virginia, sourced from anonymous borrower submissions and public HMDA loan records.
What is the average VA loan rate in Virginia?
The average VA 30-year rate locked in Virginia is 5.694%, based on 14 submissions.
Which lenders have the most submissions in Virginia?
Truist, Pentagon Federal (PenFed), Guild Mortgage have the most submitted rates in Virginia on HomeLoans.fyi.
Browse all Virginia submissions →