Mortgage lending in Lynchburg, VA
6,068 mortgages were originated in the Lynchburg, 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
- 6,068
- Median rate
- 6.625%
- Median lender fees
- $5,496
- Median loan amount
- $215,000
- Median spread over APOR
- 0.346
- Paid discount points
- 40.6%
- Received lender credits
- 23.6%
- Purchases / refinances
- 55.7% / 27.9%
- Conventional / FHA / VA
- 71.3% / 17.7% / 9.7%
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 73.4% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Lynchburg, VA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 628 | $5,583 | 6.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 276 | $7,423 | 6.125% |
| Truist Bank | 266 | $4,343 | 6.950% |
| Fairway Independent Mortgage Corporation | 226 | $7,619 | 6.625% |
| Alcova Mortgage LLC | 220 | $4,534 | 6.875% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 190 | $6,476 | 6.750% |
| Atlantic Union Bank | 171 | $5,708 | 7.250% |
| Virginia Credit Union, Inc. | 163 | — | 6.240% |
| FIRST BANCORP, INC. | 123 | $3,573 | 7.250% |
| FREEDOM FIRST Federal Credit Union | 123 | $4,875 | 6.750% |