Mortgage lending in Roanoke, VA
7,847 mortgages were originated in the Roanoke, VA area in 2025, and here is what they cost.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 7,847
- Median rate
- 6.625%
- Median lender fees
- $4,931
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $205,000
- Above the going rate (spread over APOR)
- 0.300
- Paid discount points
- 38.7%
- Received lender credits
- 21.7%
- Purchases / refinances
- 50.4% / 30.3%
- Conventional / FHA / VA
- 76.8% / 14.3% / 8.4%
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 70% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Roanoke, VA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 622 | $5,013 | 6.625% |
| Atlantic Bay Mortgage Group, L.L.C. | 607 | $6,093 | 6.625% |
| Virginia Credit Union, Inc. | 473 | — | 6.240% |
| FREEDOM FIRST Federal Credit Union | 358 | $4,077 | 6.625% |
| Truist Bank | 344 | $3,992 | 6.950% |
| Atlantic Union Bank | 282 | $5,379 | 7.250% |
| Alcova Mortgage LLC | 265 | $4,175 | 6.750% |
| United Shore Financial Services, LLC | 259 | $9,010 | 5.999% |
| Movement Mortgage, LLC | 164 | $5,066 | 6.750% |
| CNB Bank | 164 | $4,288 | 6.375% |