Mortgage lending in Charlottesville, VA
4,895 mortgages were originated in the Charlottesville, 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
- 4,895
- Median rate
- 6.625%
- Median lender fees
- $5,616
- Median loan amount
- $295,000
- Median spread over APOR
- 0.206
- Paid discount points
- 36.1%
- Received lender credits
- 24.7%
- Purchases / refinances
- 51% / 27.9%
- Conventional / FHA / VA
- 83.8% / 7.9% / 7.7%
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 67.1% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Charlottesville, VA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC. | 571 | — | — |
| Rocket Mortgage, LLC | 347 | $4,654 | 6.625% |
| First Heritage Mortgage, LLC | 258 | $6,849 | 6.375% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 192 | $8,121 | 6.499% |
| Truist Bank | 187 | — | 6.690% |
| GRAY FOX MORTGAGE, LLC | 170 | $5,170 | 6.625% |
| Fulton Bank, National Association | 138 | $6,147 | 6.375% |
| Navy Federal Credit Union | 116 | $2,961 | 7.438% |
| Atlantic Coast Mortgage, LLC | 115 | $7,044 | 6.490% |
| Bank of America, National Association | 105 | — | 6.000% |