Richmond VA Loan Rates, Closing Costs & Stats

RICHMOND, VA

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    • A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

    The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

    For additional benefits of VA loans, click here.

    Richmond's 138 lenders originated 2,156 VA loans during 2023. The total origination value was $808,490,000, with an average VA loan value of $374,995.

    Richmond VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Richmond averaged 6.97% for the week of 2024-04-19, compared to the national average (all VA variants) of 6.758% for the same period.

    Richmond's average VA mortgage closing costs are $6,402.

    The average rate for the prior week (2024-04-12) was 6.81% and one month ago for the week of 2024-03-15, the average rate was 6.77%.

    The average rate one year ago was 6.36%.

    For refis of the same type during the week of 2024-04-19, the average rate was 7.18%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Richmond VA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Richmond level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 273 6.72% $7,848
    QUICKEN LOANS, LLC 133 6.10% $13,219
    NAVY FEDERAL CREDIT UNION 121 5.82% $7,637
    NVR Mortgage Finance, Inc. 108 5.50% $9,655
    UNITED WHOLESALE MORTGAGE, LLC 91 6.22% $9,084
    FREEDOM MORTGAGE CORPORATION 63 6.44% $16,190
    PENNYMAC LOAN SERVICES, LLC 62 5.48% $8,414
    LOANDEPOT.COM, LLC 60 6.06% $10,679
    Prosperity Home Mortgage, LLC 58 6.11% $8,382
    MOVEMENT MORTGAGE, LLC 50 6.39% $11,486
    George Mason Mortgage, LLC 43 6.38% $11,139
    USAA Federal Savings Bank 43 6.07% $9,439
    NEW DAY FINANCIAL, LLC 41 7.33% $11,415
    DHI MORTGAGE COMPANY, LTD. 40 5.32% $10,661
    NFM, INC. 39 6.52% $10,502
    Truist 37 6.12% $10,177
    Alcova Mortgage LLC 36 6.86% $8,189
    SOUTHERN TRUST MORTGAGE, LLC 34 6.45% $10,666
    Presidential Bank, FSB 33 6.56% $10,310
    C & F Mortgage Corporation 32 6.63% $12,009
    PENTAGON FEDERAL CREDIT UNION 29 5.49% $7,294
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 29 6.38% $10,574
    The Federal Savings Bank 29 6.32% $15,635
    NEWREZ LLC 25 6.49% $10,772
    Wells Fargo Bank 22 6.06% $7,246
    Virginia Credit Union, Inc. 20 6.10% $8,025
    First Heritage Mortgage, LLC 19 6.49% $11,702
    FIRST HOME MORTGAGE CORPORATION 18 6.55% $8,057
    Mr. Cooper ( Nationstar Mortgage ) 17 5.85% $14,128
    Towne Bank 17 6.57% $12,867
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 16 6.59% $9,256
    Towne First Mortgage, LLC 16 6.89% $7,748
    CAPITAL CENTER, L.L.C. 15 6.22% $6,505
    AMERICAN FINANCIAL NETWORK, INC. 15 6.67% $8,404
    CALIBER HOME LOANS, INC. 15 5.93% $11,174
    VILLAGE BANK MORTGAGE CORPORATION 14 6.49% $9,189
    CMG MORTGAGE, INC. 13 6.12% $13,305
    Atlantic Coast Mortgage, LLC 12 6.10% $12,730
    C&F Select LLC 10 6.75% $14,900
    Integrity Home Mortgage Corp 10 6.40% $12,275
    PRIMELENDING, A PLAINSCAPITAL COMPANY 10 6.64% $10,950
    TIDEWATER MORTGAGE SERVICES, INC. 10 6.50% $12,417
    VILLAGE CAPITAL MORTGAGE 9 6.32% $10,924
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 9 6.67% $11,069
    BROKER SOLUTIONS, INC. 9 6.58% $10,622
    GUARANTEED RATE, INC. 8 6.43% $4,936
    Tidewater Home Funding, LLC 8 6.28% $12,681
    CROSSCOUNTRY MORTGAGE, LLC 7 6.76% $14,671
    Equity Prime Mortgage LLC 7 6.82% $15,238
    CARDINAL FINANCIAL 7 6.57% $15,044
    U.S. Bank 7 6.52% $12,355
    Plains Commerce Bank 7 5.86% $14,168
    NBKC BANK 6 6.00% $5,668
    Nations Lending Corporation 6 5.92% $10,002
    GENEVA FINANCIAL, LLC 6 6.15% $21,308
    EAGLE HOME MORTGAGE, LLC 6 5.88% $16,618
    MICHIGAN MUTUAL, INC. 6 5.38% $15,527
    GUILD MORTGAGE COMPANY 6 6.60% $10,623
    AMERISAVE MORTGAGE CORPORATION 6 5.90% $19,830
    HOMESPIRE MORTGAGE CORPORATION 5 6.58% $15,911
    GoPrime Mortgage, Inc. 5 6.23% $11,987
    Flagstar Bank, FSB 5 6.43% $13,342
    Barrington Bank & Trust Company, N.A. 5 6.75% $9,706
    Magnolia Bank 5 6.45% $15,871
    Ameris Bank 4 6.16% $6,556
    SUN WEST MORTGAGE COMPANY, INC. 4 6.50% $18,125
    First National Bank of Pennsylvania 4 6.28% $6,773
    RELIANCE FIRST CAPITAL, LLC 4 6.84% $8,514
    LOANPAL, LLC 4 6.06% $16,718
    MILEND, INC. 4 6.66% $14,082
    Century Mortgage Company DBA Century Lending Company 3 6.00% $8,107
    HOMEBRIDGE FINANCIAL SERVICES, INC. 3 6.00% $10,911
    SUCCESS MORTGAGE PARTNERS, INC. 3 6.38% $22,409
    Mid-Continent Funding, Inc. 3 5.67% $15,949
    EMBRACE HOME LOANS, INC. 3 5.96% $12,151
    PLAZA HOME MORTGAGE, INC. 3 6.12% $13,821
    FIRST COMMUNITY MORTGAGE, INC. 3 6.75% $6,489
    The Central Trust Bank 3 5.54% $7,414
    TOWNE MORTGAGE COMPANY 3 6.25% $7,328
    NexBank 3 6.00% $5,442
    EMM LOANS LLC 2 6.44% $11,172
    SWBC MORTGAGE CORPORATION 2 5.88% $15,085
    Waterstone Mortgage Corporation 2 6.06% $11,307
    INTERCOASTAL MORTGAGE COMPANY 2 6.38% $16,572
    American Security Mortgage Corp. 2 6.13% $9,697
    PREMIA MORTGAGE, LLC 2 5.94% $10,299
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 2 6.31% $4,177
    MUTUAL OF OMAHA MORTGAGE, INC. 2 6.50% $21,862
    AMERICAN PACIFIC MORTGAGE CORPORATION 2 6.31% $13,636
    North American Savings Bank, F.S.B. 2 5.81% $4,579
    VANDERBILT MORTGAGE AND FINANCE, INC. 2 6.63% $6,923
    MORTGAGE ACCESS CORP. 2 6.06% $10,343
    ZILLOW HOME LOANS, LLC 1 6.25% $10,479
    American Mortgage & Equity Consultants, Inc. 1 7.75% $12,327
    AmeriHome Mortgage Company, LLC 1 7.13% $4,680
    Armed Forces Bank 1 6.50% $21,146
    Atlantic Union Bank 1 5.50% $3,767
    Bank of England 1 5.13% $16,515
    Blue Ridge Bank 1 6.13% $8,547
    BNC National Bank 1 6.75% $8,599
    Capital Bank 1 7.13% $3,925
    CBM Mortgage, Inc. 1 5.63% $22,018
    CHURCHILL MORTGAGE CORPORATION 1 6.75% $22,082
    CONTOUR MORTGAGE CORPORATION 1 6.88% $12,280
    Encompass Lending Group, LP 1 6.13% $4,046
    EVANSVILLE TEACHERS 1 6.13% $5,376
    First Federal Bank 1 6.00% $3,515
    First Horizon Bank 1 6.00% $15,125
    First Reliance Bank 1 6.13% $19,628
    First Savings Bank 1 5.75% $7,296
    FIRST SAVINGS MORTGAGE CORPORATION 1 5.88% $13,126
    Fulton Bank 1 6.75% $6,559
    HomePromise Corporation 1 7.50% $19,032
    HOMESTAR FINANCIAL CORPORATION 1 7.25% $8,501
    INTERLINC MORTGAGE SERVICES, LLC 1 6.13% $15,070
    ISERVE RESIDENTIAL LENDING, LLC 1 6.88% $10,620
    JAMS-01, INC. 1 6.13% $10,463
    Lakeview Community Capital, LLC 1 6.25% $11,342
    LEGEND LENDING CORPORATION 1 6.75% $12,787
    Loan Simple, Inc. 1 7.25% $12,650
    MANN FINANCIAL INC. 1 7.25% $19,832
    MASON MCDUFFIE MORTGAGE CORPORATION 1 7.25% $3,959
    Meridian Bank Corporation 1 6.13% $11,272
    MID AMERICA MORTGAGE, INC. 1 6.75% $39,565
    MORIA DEVELOPMENT, INC. 1 7.25% $11,114
    MORTGAGEONE, INC. 1 6.63% $1,886
    MY MORTGAGE, INC. 1 5.88% $7,845
    NATIONS DIRECT MORTGAGE, LLC 1 5.75% $5,114
    ON Q FINANCIAL, INC. 1 6.63% $967
    PHH Mortgage Corporation 1 7.63% $5,428
    PLANET HOME LENDING, LLC 1 6.13% $6,235
    PNC Bank 1 6.75% $15,172
    Regions Bank 1 4.88% $10,741
    RESIDENTIAL BANCORP 1 6.49% $20,157
    Residential Mortgage Solutions, Inc. 1 6.13% $14,238
    SOVEREIGN LENDING GROUP INCORPORATED 1 5.50% $19,506
    Strong Home Mortgage, LLC 1 6.62% $20,061
    Towne Mortgage, LLC 1 6.63% $11,655

    The top Richmond VA lender as defined by loan originations is Mortgage Research Center, LLC, with 273 VA loans originated. Their average total fees are $7,848, which is $5,371 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Richmond VA lenders (with over 10 loans originated) are CAPITAL CENTER, L.L.C. ($6,505), Wells Fargo Bank ($7,246), PENTAGON FEDERAL CREDIT UNION ($7,294), NAVY FEDERAL CREDIT UNION ($7,637) and Towne First Mortgage, LLC ($7,748).

    The lowest rate Richmond VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.32%), PENNYMAC LOAN SERVICES, LLC (5.48%), PENTAGON FEDERAL CREDIT UNION (5.49%), NVR Mortgage Finance, Inc. (5.50%) and NAVY FEDERAL CREDIT UNION (5.82%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Richmond (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $289,998 (8.0%) $344,210 (7.0%) 1.08 3,181
    2018-02-01 $299,970 (8.1%) $354,492 (6.0%) 1.09 3,149
    2018-03-01 $314,244 (8.4%) $365,916 (5.6%) 1.10 3,250
    2018-04-01 $321,611 (8.1%) $375,146 (7.6%) 1.09 3,408
    2018-05-01 $324,975 (8.3%) $382,218 (7.3%) 1.09 3,667
    2018-06-01 $319,990 (6.7%) $379,568 (7.1%) 1.07 3,944
    2018-07-01 $324,126 (8.4%) $379,417 (8.3%) 1.08 4,080
    2018-08-01 $314,500 (7.4%) $371,406 (7.6%) 1.05 4,223
    2018-09-01 $309,703 (4.4%) $367,174 (5.0%) 1.04 4,285
    2018-10-01 $304,550 (2.5%) $360,593 (2.7%) 1.03 4,334
    2018-11-01 $307,531 (4.2%) $364,444 (3.8%) 1.04 4,232
    2018-12-01 $309,950 (6.9%) $363,776 (4.7%) 1.07 3,824
    2019-01-01 $309,750 (6.8%) $359,138 (4.3%) 1.07 3,422
    2019-02-01 $319,113 (6.4%) $369,231 (4.2%) 1.08 3,363
    2019-03-01 $327,100 (4.1%) $376,322 (2.8%) 1.07 3,460
    2019-04-01 $334,500 (4.0%) $384,108 (2.4%) 1.06 3,590
    2019-05-01 $337,925 (4.0%) $390,736 (2.2%) 1.06 3,782
    2019-06-01 $335,000 (4.7%) $389,839 (2.7%) 1.05 3,877
    2019-07-01 $332,439 (2.6%) $386,055 (1.8%) 1.04 3,990
    2019-08-01 $325,782 (3.6%) $379,272 (2.1%) 1.03 4,071
    2019-09-01 $322,530 (4.1%) $377,515 (2.8%) 1.03 4,120
    2019-10-01 $319,975 (5.1%) $375,501 (4.1%) 1.03 4,184
    2019-11-01 $316,123 (2.8%) $371,799 (2.0%) 1.04 3,958
    2019-12-01 $322,698 (4.1%) $373,750 (2.7%) 1.08 3,468
    2020-01-01 $324,938 (4.9%) $373,712 (4.1%) 1.09 3,069
    2020-02-01 $331,636 (3.9%) $388,790 (5.3%) 1.09 2,903
    2020-03-01 $346,388 (5.9%) $406,539 (8.0%) 1.09 3,022
    2020-04-01 $349,363 (4.4%) $405,116 (5.5%) 1.09 3,216
    2020-05-01 $356,245 (5.4%) $414,416 (6.1%) 1.08 3,087
    2020-06-01 $359,495 (7.3%) $419,880 (7.7%) 1.06 2,746
    2020-07-01 $358,473 (7.8%) $420,720 (9.0%) 1.04 2,533
    2020-08-01 $359,775 (10.4%) $423,963 (11.8%) 1.03 2,328
    2020-09-01 $356,486 (10.5%) $423,070 (12.1%) 1.02 2,261
    2020-10-01 $360,000 (12.5%) $428,016 (14.0%) 1.03 2,199
    2020-11-01 $362,425 (14.7%) $428,562 (15.3%) 1.06 2,087
    2020-12-01 $364,950 (13.1%) $429,668 (15.0%) 1.09 1,860
    2021-01-01 $368,995 (13.6%) $429,845 (15.0%) 1.10 1,594
    2021-02-01 $370,822 (11.8%) $434,673 (11.8%) 1.08 1,420
    2021-03-01 $369,850 (6.8%) $438,579 (7.9%) 1.05 1,419
    2021-04-01 $366,970 (5.0%) $433,352 (7.0%) 0.99 1,442
    2021-05-01 $357,991 (0.5%) $426,121 (2.8%) 0.95 1,536
    2021-06-01 $350,003 (-2.6%) $425,637 (1.4%) 0.92 1,663
    2021-07-01 $349,000 (-2.6%) $418,850 (-0.4%) 0.92 1,796
    2021-08-01 $349,950 (-2.7%) $420,868 (-0.7%) 0.93 1,837
    2021-09-01 $349,950 (-1.8%) $421,581 (-0.4%) 0.93 1,812
    2021-10-01 $350,000 (-2.8%) $419,898 (-1.9%) 0.93 1,702
    2021-11-01 $350,863 (-3.2%) $422,630 (-1.4%) 0.94 1,572
    2021-12-01 $353,685 (-3.1%) $425,570 (-1.0%) 0.96 1,265
    2022-01-01 $367,252 (-0.5%) $441,161 (2.6%) 0.99 1,035
    2022-02-01 $367,498 (-0.9%) $444,839 (2.3%) 0.96 936
    2022-03-01 $359,838 (-2.7%) $438,509 (0.0%) 0.90 976
    2022-04-01 $373,178 (1.7%) $451,450 (4.2%) 0.89 1,083
    2022-05-01 $382,040 (6.7%) $461,606 (8.3%) 0.87 1,245
    2022-06-01 $394,975 (12.9%) $468,742 (10.1%) 0.88 1,507
    2022-07-01 $393,853 (12.9%) $459,280 (9.7%) 0.89 1,775
    2022-08-01 $388,139 (10.9%) $463,921 (10.2%) 0.90 1,792
    2022-09-01 $382,425 (9.3%) $458,824 (8.8%) 0.89 1,845
    2022-10-01 $379,995 (8.6%) $460,203 (9.6%) 0.89 1,918
    2022-11-01 $379,925 (8.3%) $450,980 (6.7%) 0.91 2,022
    2022-12-01 $378,176 (6.9%) $449,155 (5.5%) 0.93 1,871
    2023-01-01 $381,169 (3.8%) $449,729 (1.9%) 0.94 1,649
    2023-02-01 $392,500 (6.8%) $464,031 (4.3%) 0.95 1,493
    2023-03-01 $402,445 (11.8%) $476,545 (8.7%) 0.95 1,482
    2023-04-01 $424,950 (13.9%) $502,424 (11.3%) 0.99 1,482
    2023-05-01 $441,200 (15.5%) $517,954 (12.2%) 1.00 1,497
    2023-06-01 $442,258 (12.0%) $522,251 (11.4%) 0.99 1,545
    2023-07-01 $439,900 (11.7%) $518,103 (12.8%) 1.00 1,592
    2023-08-01 $438,848 (13.1%) $507,342 (9.4%) 1.01 1,687
    2023-09-01 $439,450 (14.9%) $513,657 (12.0%) 1.02 1,840
    2023-10-01 $435,000 (14.5%) $518,524 (12.7%) 1.02 2,075
    2023-11-01 $442,270 (16.4%) $525,410 (16.5%) 1.05 2,058
    2023-12-01 $429,999 (13.7%) $511,200 (13.8%) 1.05 1,961
    2024-01-01 $442,970 (16.2%) $521,418 (15.9%) 1.08 1,725
    2024-02-01 $448,678 (14.3%) $528,085 (13.8%) 1.08 1,664
    2024-03-01 $450,000 (11.8%) $535,978 (12.5%) 1.06 1,612
    Richmond's median listing price for 2024-03-01 was $450,000, a difference of $47,555 (11.8%) versus the prior year and $1,322 versus the prior month.

    Richmond's median listing price comes in at 106% of the national average.

    Richmond's average listing price for 2024-03-01 was $535,978, a difference of $59,433 (12.5%) versus the prior year and $7,893 versus the prior month.

    For the 2024-03-01 period, Richmond had 1,612 MLS listings, a difference of -52 listings (-3%) versus the prior month and 130 listings (9%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Richmond (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 68 days 2,178 sqft
    2018-02-01 55 days 2,211 sqft
    2018-03-01 46 days 2,254 sqft
    2018-04-01 45 days 2,293 sqft
    2018-05-01 43 days 2,344 sqft
    2018-06-01 45 days 2,324 sqft
    2018-07-01 49 days 2,302 sqft
    2018-08-01 50 days 2,248 sqft
    2018-09-01 52 days 2,225 sqft
    2018-10-01 55 days 2,193 sqft
    2018-11-01 53 days 2,201 sqft
    2018-12-01 63 days 2,200 sqft
    2019-01-01 66 days 2,184 sqft
    2019-02-01 56 days 2,207 sqft
    2019-03-01 46 days 2,241 sqft
    2019-04-01 42 days 2,271 sqft
    2019-05-01 44 days 2,293 sqft
    2019-06-01 46 days 2,286 sqft
    2019-07-01 50 days 2,271 sqft
    2019-08-01 50 days 2,237 sqft
    2019-09-01 50 days 2,219 sqft
    2019-10-01 50 days 2,203 sqft
    2019-11-01 52 days 2,187 sqft
    2019-12-01 64 days 2,191 sqft
    2020-01-01 68 days 2,200 sqft
    2020-02-01 53 days 2,208 sqft
    2020-03-01 40 days 2,268 sqft
    2020-04-01 44 days 2,279 sqft
    2020-05-01 54 days 2,296 sqft
    2020-06-01 59 days 2,290 sqft
    2020-07-01 55 days 2,251 sqft
    2020-08-01 60 days 2,242 sqft
    2020-09-01 53 days 2,206 sqft
    2020-10-01 53 days 2,201 sqft
    2020-11-01 58 days 2,185 sqft
    2020-12-01 57 days 2,178 sqft
    2021-01-01 53 days 2,125 sqft
    2021-02-01 48 days 2,090 sqft
    2021-03-01 43 days 2,075 sqft
    2021-04-01 40 days 2,081 sqft
    2021-05-01 39 days 2,043 sqft
    2021-06-01 41 days 2,030 sqft
    2021-07-01 39 days 1,979 sqft
    2021-08-01 40 days 2,009 sqft
    2021-09-01 45 days 1,959 sqft
    2021-10-01 51 days 1,964 sqft
    2021-11-01 57 days 1,952 sqft
    2021-12-01 51 days 1,960 sqft
    2022-01-01 71 days 1,997 sqft
    2022-02-01 36 days 1,980 sqft
    2022-03-01 31 days 1,907 sqft
    2022-04-01 32 days 1,932 sqft
    2022-05-01 31 days 1,996 sqft
    2022-06-01 31 days 2,019 sqft
    2022-07-01 35 days 2,000 sqft
    2022-08-01 38 days 1,995 sqft
    2022-09-01 43 days 1,968 sqft
    2022-10-01 40 days 1,962 sqft
    2022-11-01 43 days 1,951 sqft
    2022-12-01 53 days 1,925 sqft
    2023-01-01 59 days 1,937 sqft
    2023-02-01 51 days 1,983 sqft
    2023-03-01 41 days 2,029 sqft
    2023-04-01 38 days 2,066 sqft
    2023-05-01 40 days 2,100 sqft
    2023-06-01 41 days 2,097 sqft
    2023-07-01 43 days 2,094 sqft
    2023-08-01 39 days 2,103 sqft
    2023-09-01 42 days 2,096 sqft
    2023-10-01 41 days 2,086 sqft
    2023-11-01 45 days 2,091 sqft
    2023-12-01 54 days 2,039 sqft
    2024-01-01 61 days 2,054 sqft
    2024-02-01 48 days 2,067 sqft
    2024-03-01 44 days 2,073 sqft
    Richmond's median listing age (time on market) for 2024-03-01 was 44 days. This is 7% longer than the same period one year ago.

    Richmond's median square footage for active listings during the 2024-03-01 period was 2,073 sqft. One year prior, the average listing was 2,029 sqft.

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.