Mortgage lending in Roanoke County
2,547 mortgages were originated in Roanoke County, 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
- 2,547
- Median rate
- 6.625%
- Median lender fees
- $4,906
- Median loan amount
- $225,000
- Median spread over APOR
- 0.281
- Paid discount points
- 41%
- Received lender credits
- 22.3%
- Purchases / refinances
- 49.4% / 30.3%
- Conventional / FHA / VA
- 77.1% / 13.2% / 9.5%
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 73.9% 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 County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 203 | $4,761 | 6.750% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 202 | $5,831 | 6.625% |
| Virginia Credit Union, Inc. | 185 | — | 6.240% |
| Truist Bank | 142 | — | 6.820% |
| FREEDOM FIRST Federal Credit Union | 110 | — | 6.625% |
| Alcova Mortgage LLC | 95 | $4,304 | 6.750% |
| Atlantic Union Bank | 92 | — | 7.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 86 | $8,487 | 5.874% |
| MOVEMENT MORTGAGE, LLC | 60 | $5,020 | 6.750% |
| Integrity Home Mortgage Corporation | 58 | $6,533 | 6.750% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Roanoke County — not a rule of thumb.
From 1,882 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