What people paid for mortgages in Roanoke city, VA (2025)

Across 897 closed home-purchase loans in 2025, the median interest rate in Roanoke city was 6.564%, and the middle half of borrowers got between 6.125% and 6.875%. Median total loan costs ran $5,514 on a median loan of $225,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.564%
Middle half of rates: 6.125%–6.875%
Median total loan costs: $5,514
Median loan amount: $225,000

897 loans, 2025.

Refinance

Median rate: 6.25%
Middle half of rates: 5.75%–6.75%
Median total loan costs: $6,538
Median loan amount: $185,000

371 loans, 2025.

Lowest median rates in Roanoke city (2025)

The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.

Home purchase

1.Fairway Independent Mortgage Corporation6%33 loans, median costs $11,249
2.Mortgage Research Center, LLC6.25%39 loans, median costs $1,281
3.FREEDOM FIRST Federal Credit Union6.438%36 loans, median costs $4,141
4.Rocket Mortgage, LLC6.5%54 loans, median costs $5,468
5.Atlantic Union Bank6.5%37 loans, median costs $4,980

Among lenders with at least 30 closed purchase loans in Roanoke city in 2025.

Refinance

1.GoodLeap, LLC5.562%10 loans, median costs $8,495
2.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.625%36 loans, median costs $9,256
3.BLUE EAGLE CREDIT UNION6.125%18 loans, median costs $2,069
4.PENNYMAC LOAN SERVICES, LLC6.25%15 loans, median costs $6,333
5.FREEDOM MORTGAGE CORPORATION6.25%13 loans, median costs $4,938

Among lenders with at least 10 closed refinance loans in Roanoke city in 2025. Fewer than 3 lenders reached 30 such loans here, so this list uses a 10-loan floor.

Lender by lender in Roanoke city

Every lender that closed at least 5 qualifying loans in Roanoke city in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.

#	Lender	Loans	Median rate	Median total costs	Median origination	Median points
1	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	152	6.625%	$7,073	$2,298	$1,509
2	Alcova Mortgage LLC	59	6.75%	$3,730	$0	$1,553
3	Rocket Mortgage, LLC	54	6.5%	$5,468	$1,831	$1,800
4	Mortgage Research Center, LLC	39	6.25%	$1,281	$0	$904
5	Atlantic Union Bank	37	6.5%	$4,980	$2,295	$922
6	FREEDOM FIRST Federal Credit Union	36	6.438%	$4,141	$1,295	$512
7	Fairway Independent Mortgage Corporation	33	6%	$11,249	$4,374	$3,970
8	Integrity Home Mortgage Corporation	28	6.625%	$5,163	$1,979	$986
9	Pinnacle Bank	27	6.375%	$4,975	$2,467	$2,222
10	MOVEMENT MORTGAGE, LLC	27	6.625%	$5,062	$1,745	$1,276
11	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	24	6.595%	$8,091	$2,926	$1,261
12	Virginia Credit Union, Inc.	21	6.625%	$3,480	$999	$444
13	SWBC MORTGAGE CORPORATION	19	6.875%	$3,885	$845	$2,625
14	DELMAR FINANCIAL COMPANY	16	6.75%	$4,436	$1,390	$844
15	Truist Bank	15	5.975%	$4,320	$1,254	$987
16	GUARANTEED RATE, INC.	14	6.6%	$4,787	$1,902	$634
17	GUILD MORTGAGE COMPANY	13	6.75%	$6,749	$2,330	$1,731
18	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	13	6.75%	$7,482	$1,997	$1,111
19	Waterstone Mortgage Corporation	13	6.5%	$9,203	$3,785	$2,090
20	NATION ONE MORTGAGE CORPORATION	11	6.5%	$11,853	$2,403	$1,463
21	Navy Federal Credit Union	10	6.312%	$3,570	$0	$412
22	JPMorgan Chase Bank, National Association	10	6.433%	$3,691	$1,113	$2,206
23	Wells Fargo Bank, National Association	10	6.5%	$4,941	$1,915	$843
24	LOWER, LLC	9	6.5%	$4,985	$1,795	$623
25	First-Citizens Bank & Trust Company	9	6.25%	$4,380	$1,495	$769
26	CALCON MUTUAL MORTGAGE LLC	8	4.875%	$12,583	$5,700	$5,701
27	Bank of Botetourt	8	n/a	n/a	n/a	n/a
28	Financial Institution: M2B Mortgage LLC	7	5.375%	$10,065	$7,092	$5,172
29	FIRST COMMUNITY MORTGAGE, INC.	7	6.5%	$4,639	$1,540	n/a
30	UNION HOME MORTGAGE CORP.	7	6.99%	$4,989	$1,848	$838
31	ZILLOW HOME LOANS, LLC	6	6.683%	$4,001	$1,648	$1,974
32	Prosperity Home Mortgage, LLC	5	6.625%	$5,033	$2,750	$1,653
33	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	5	6.75%	$6,043	$1,772	$820
34	CROSSCOUNTRY MORTGAGE, INC.	5	6.99%	$12,429	$5,418	$3,828

What these numbers are, and are not

Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.

The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights, in plain English

One way to start several lender conversations quickly: a marketplace like LendingTree sends one request to up to five lenders, who will call and email you. Any lender you go on to apply with must then issue the same standardized Loan Estimate, which is the document you compare line by line.

Request quotes on LendingTree

What happens after you submit

Referral disclosure: this site may earn a fee if you request quotes through this link. A referral fee never changes the quotes you receive, and no lender or marketplace pays to appear in the data tables on this site or to be described a certain way.

Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Roanoke city figures above, in your browser, without storing anything.

Common questions

What mortgage rate did people get in Roanoke city in 2025?

The median interest rate on closed home-purchase loans in Roanoke city, Virginia in 2025 was 6.564%, across 897 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% and 6.875%.

Is this a rate I can get today?

No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.

Why do lenders in the table show different rates?

Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.

Where do these numbers come from?

The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.