Mortgage lending in Roanoke city
2,275 mortgages were originated in Roanoke city, Virginia, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,275
- Median rate
- 6.730%
- Median lender fees
- $4,940
- Median loan amount
- $175,000
- Median spread over APOR
- 0.360
- Paid discount points
- 38.6%
- Received lender credits
- 20.2%
- Purchases / refinances
- 53.6% / 31.1%
- Conventional / FHA / VA
- 75.9% / 17.4% / 6.7%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 65.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Roanoke city, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 204 | $6,297 | 6.625% |
| Rocket Mortgage, LLC | 175 | $5,121 | 6.625% |
| FREEDOM FIRST Federal Credit Union | 115 | — | 6.625% |
| Virginia Credit Union, Inc. | 101 | — | 6.240% |
| Atlantic Union Bank | 79 | — | 6.850% |
| Alcova Mortgage LLC | 72 | $3,722 | 6.813% |
| Truist Bank | 72 | — | 7.150% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 64 | $8,832 | 6.050% |
| Pinnacle Bank | 61 | — | — |
| Fairway Independent Mortgage Corporation | 54 | — | 6.250% |
What lenders charged here
Lender fees on a $175,000 loan, based on what was actually charged in Roanoke city — not a rule of thumb.
From 1,480 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers