Who has the best mortgage rates in Virginia?
A good rate for a primary, single-family home in for , and credit score is:
found 72 lenders for you—rates updated Jun 18, 2025
Rates updated Jun 18, 2025
Insights
Negotiate everything—rates, fees, and terms are not set in stone.
George Robinson TrueRate Data ScientistLenders with low rates in VA
TrueRate analyzed the rates lenders actually gave to buyers for the last three years and found only 5 lenders likely to get you a good deal.
| Lender | Lender fees | ||
|---|---|---|---|
| Tomo Mortgage, LLC | No lender feesHighly rated | Highly rated | |
| Kwik Mortgage Corporation | $0-$1095Highly rated | Highly rated | |
| United Nations Federal Cu | $825Below average | Below average | |
| American Internet Mortgage, In | $995Mixed reviews | Mixed reviews | |
| Pentagon Federal Credit Union | $995Average | Average |
Insights
Negotiate everything—rates, fees, and terms are not set in stone.
George Robinson TrueRate Data ScientistLenders in VA likely to have high rates
We don’t accept advertising, so you can get the real lender story. TrueRate looked at 72 lenders and found that this one lender is likely to offer you a high rate.
| Lender | Lender fees | ||
|---|---|---|---|
| Panorama Mortgage Group, LLC | $1740Limited reviews | Limited reviews |
Insights
Whether a lender has high margins or is simply inefficient and passing their costs on to you, the result is the same—you’ll likely end up paying more for your home. Our data shows that if you choose these lenders you will likely regret it.
George Robinson TrueRate Data ScientistLenders with average rates in VA
You deserve better than what these 66 lenders historically provide.
- Advance Financial Group, LLC
- American Neighborhood Mortgage
- American Pacific Mortgage Corp
- Ark-La-Tex Financial Services
- Assurance Financial Group, L.L
- Atlantic Bay Mortgage Group
- Atlantic Coast Mortgage, LLC
- Atlantic Union Bank
- Bank Of England
- Bayshore Mortgage Funding
- Capital Bank, N.A.
- Cmg Mortgage Inc.
- Coastal Federal Credit Union
- Crosscountry Mortgage, LLC
- Das Acquisition Company, LLC
- Digital Federal Credit Union
- Encompass Lending Group, L.P.
- Envoy Mortgage, Ltd
- Evansville Teachers Federal Cr
- Fairway Independent Mort Corp
- First Community Mortgage
- First Heritage Mortgage, LLC
- First Home Mortgage
- First Savings Mortgage Corpora
- Fulton Bank N.A.
- Gateway First Bank
- Gold Star Mortgage Financial G
- Goprime Mortgage, Inc.
- Guaranteed Rate Affinity, LLC
- Guaranteed Rate, Inc.
- Homeside Financial, LLC
- Homestead Funding Corp.
- Huntington National Bank
- Integrity Home Mortgage Corpor
- Intercoastal Mortgage, LLC
- Ixonia Bank
- Leaderone Financial Corp.
- Loan Simple, Inc.
- Mason-Mcduffie Mortgage Corpor
- Mutual Of Omaha Mortgage
- Nation One Mortgage Corporatio
- Nations Lending Corporation
- Nfm, Inc.
- Northpointe Bank
- Planet Home Lending, LLC
- Presidential Bank, Fsb
- Primelending
- Princeton Mortgage Corporation
- Sandy Spring Bank
- Seatrust Mortgage Company
- Southern Trust Mortgage, LLC
- Success Mortgage Partners, Inc.
- Summit Funding.Inc.
- Swbc Mortgage Corporation
- Td Bank
- The Federal Savings Bank
- The Fidelity Bank
- The Mortgage Link, Inc.
- Tidewater Mortgage Services, I
- Tjc Mortgage Inc.
- Towne First Mortgage, LLC
- Towne Mortgage, LLC
- Townebank
- Victorian Finance, LLC
- Watermark Capital, Inc.
- Waterstone Mortgage Corporatio
Methodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
Don’t let lenders pull a fast one on you
Learn how really low rates often come with hidden fees. Drag the slider to see how rates and fees are connected.
Insights
Insights by James McTernan Tomo Mortgage Loan Advisor - NMLS #337556TrueRate report
See how mortgage companies got home buyers to over-pay by billions.
Get the reportMethodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
Virginia is calling all home buyers
If you’ve been dreaming of settling down in a state packed with history, stunning landscapes, and a vibrant culture, now’s your chance to make that dream a reality without totally emptying your wallet.
Let’s kick things off in Northern Virginia, where the action is nonstop. The suburbs of D.C. are buzzing with energy, and places like Arlington and Alexandria offer charming streets, delicious food, and quick access to the city’s amenities. While the median home price in Arlington hovers around $600,000, it’s worth it for the killer commute and the lively atmosphere. Plus, the job market here is thriving, making it a hot spot for professionals looking to plant their roots.
But Virginia has more to offer than just the D.C. suburbs! Richmond, the state capital, is a blend of history and modernity, with a burgeoning art scene and hip neighborhoods like Scott’s Addition. Here, you can find median home prices closer to $350,000, giving you a taste of city life without the big-city price tag. The local breweries and food spots are a major draw, making it a great place to unwind after a long week.
For those who crave a slower pace, the stunning Blue Ridge Mountains beckon with towns like Charlottesville and Roanoke. Charlottesville is known for its picturesque views, wine country, and a strong sense of community, with a median home price around $430,000. Roanoke offers a charming small-town feel and outdoor adventures, with homes priced around $290,000, perfect for families or anyone looking for a tight-knit community.
Virginia also provides a variety of assistance programs for first-time homebuyers, from down payment help to affordable loan options, making homeownership more accessible.