Mortgage lending in Blacksburg-Christiansburg-Radford, VA
3,219 mortgages were originated in the Blacksburg-Christiansburg-Radford, VA area in 2025, and here is what they cost.
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
- 3,219
- Median rate
- 6.750%
- Median lender fees
- $4,936
- Median loan amount
- $195,000
- Median spread over APOR
- 0.381
- Paid discount points
- 37.9%
- Received lender credits
- 20.6%
- Purchases / refinances
- 54.1% / 26.1%
- Conventional / FHA / VA
- 78.5% / 12.2% / 6.6%
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 68.6% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Blacksburg-Christiansburg-Radford, VA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Alcova Mortgage LLC | 215 | $4,740 | 6.625% |
| Rocket Mortgage, LLC | 192 | $4,900 | 6.750% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 185 | $5,103 | 6.750% |
| Atlantic Union Bank | 175 | — | 7.500% |
| FREEDOM FIRST Federal Credit Union | 160 | $3,996 | 6.625% |
| NATIONAL BANKSHARES, INC. | 137 | — | — |
| MOVEMENT MORTGAGE, LLC | 131 | $4,965 | 6.812% |
| Truliant Federal Credit Union | 119 | — | 7.270% |
| First Heritage Mortgage, LLC | 107 | $4,350 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 106 | $7,442 | 6.125% |