BLACKSBURG - CHRISTIANSBURG Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Blacksburg - Christiansburg averaged
7.04%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
7.14% and
one month ago for the week of 2025-05-29, the
average rate was 7.26%.
Blacksburg - Christiansburg's average rate one year ago was 7.23%.
For refis of the same type during the week of 2025-07-03, the average rate
was 8.19%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Blacksburg - Christiansburg 30 Year Fixed Rate | 2025-07-03 | 7.04% |
| Blacksburg - Christiansburg 30 Year Fixed Rate Refi | 2025-07-03 | 8.19% |
| Blacksburg - Christiansburg 15 Year Fixed Rate | 2025-07-03 | 5.7% |
| Blacksburg - Christiansburg 15 Year Fixed Rate Refi | 2025-07-03 | 5.7% |
| Blacksburg - Christiansburg 30 Year FHA | 2025-07-03 | 0.21% |
| Blacksburg - Christiansburg 30 Year FHA Refi | 2025-07-03 | 0% |
| Blacksburg - Christiansburg 30 Year USDA | 2025-07-03 | -0.16% |
| Blacksburg - Christiansburg 30 Year USDA Refi | 2025-07-03 | -0.1% |
| Blacksburg - Christiansburg 30 Year VA | 2025-07-03 | 0.25% |
| Blacksburg - Christiansburg 30 Year VA Refi | 2025-07-03 | -0.2% |
BLACKSBURG - CHRISTIANSBURG Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the BLACKSBURG-CHRISTIANSBURG, VA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
BLACKSBURG - CHRISTIANSBURG Average Closing Costs & Other Stats
BLACKSBURG-CHRISTIANSBURG, VA's 110 lenders originated 2,526
loans during 2024. The total origination value was $576,050,000, with an average loan value of
$228,048.
BLACKSBURG - CHRISTIANSBURG's average closing costs are $4,768.
The top BLACKSBURG - CHRISTIANSBURG lender as defined by loan originations is Alcova Mortgage LLC, with
91 loans originated. Their average total fees are
$5,658, which is $1,693
higher than the next largest lender,
FREEDOM FIRST.
The lowest fee BLACKSBURG - CHRISTIANSBURG lenders (with over 10 loans originated) are
Celco Community Federal Credit Union ($1,746), FIRST BANCORP ($3,502), FREEDOM FIRST ($3,965), NAVY FEDERAL CREDIT UNION ($4,404) and Truist ($4,443).
The lowest rate BLACKSBURG - CHRISTIANSBURG lenders (with over 10 loans originated) are
NAVY FEDERAL CREDIT UNION (6.44%), QUICKEN LOANS, LLC (6.60%), Atlantic Union Bank (6.65%), First Heritage Mortgage, LLC (6.73%) and Alcova Mortgage LLC (6.76%).
BLACKSBURG-CHRISTIANSBURG, VA Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| FREEDOM FIRST | $41,025,000 | $45,815,000 | 11.7% | 8.0% |
| Alcova Mortgage LLC | $36,255,000 | $43,765,000 | 20.7% | 7.6% |
| NATIONAL BANKSHARES, INC. | $23,790,000 | $37,120,000 | 56.0% | 6.4% |
| First Heritage Mortgage, LLC | $26,920,000 | $35,495,000 | 31.9% | 6.2% |
| QUICKEN LOANS, LLC | $18,265,000 | $31,140,000 | 70.5% | 5.4% |
| MOVEMENT MORTGAGE, LLC | $16,585,000 | $29,470,000 | 77.7% | 5.1% |
| UNITED WHOLESALE MORTGAGE, LLC | $18,810,000 | $28,875,000 | 53.5% | 5.0% |
| Prosperity Home Mortgage, LLC | $20,305,000 | $23,840,000 | 17.4% | 4.1% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $23,280,000 | $20,950,000 | -10.0% | 3.6% |
| Atlantic Union Bank | $21,095,000 | $20,230,000 | -4.1% | 3.5% |
| Waterstone Mortgage Corporation | $19,240,000 | $16,305,000 | -15.3% | 2.8% |
| FIRST BANCORP | $10,275,000 | $16,300,000 | 58.6% | 2.8% |
| Skyline National Bank | $14,915,000 | $15,430,000 | 3.5% | 2.7% |
| Renasant Bank | $7,345,000 | $10,580,000 | 44.0% | 1.8% |
| Truist | $13,125,000 | $9,635,000 | -26.6% | 1.7% |
| Mortgage Research Center, LLC | $7,380,000 | $9,005,000 | 22.0% | 1.6% |
| CMG MORTGAGE, INC. | $9,080,000 | $8,430,000 | -7.2% | 1.5% |
| Truliant Federal Credit Union | $5,640,000 | $8,110,000 | 43.8% | 1.4% |
| NAVY FEDERAL CREDIT UNION | $3,835,000 | $6,155,000 | 60.5% | 1.1% |
| First-Citizens Bank & Trust Company | $6,155,000 | $5,860,000 | -4.8% | 1.0% |
| PENNYMAC LOAN SERVICES, LLC | $2,405,000 | $5,850,000 | 143.2% | 1.0% |
| MEMBER ONE | $9,640,000 | $4,875,000 | -49.4% | 0.8% |
| The Bank of Marion | $2,770,000 | $4,670,000 | 68.6% | 0.8% |
| Celco Community Federal Credit Union | $6,735,000 | $4,470,000 | -33.6% | 0.8% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,280,000 | $4,010,000 | 213.3% | 0.7% |
| UNION HOME MORTGAGE CORP. | $2,885,000 | $4,010,000 | 39.0% | 0.7% |
| Wells Fargo Bank | $6,110,000 | $3,975,000 | -34.9% | 0.7% |
| The Federal Savings Bank | $2,075,000 | $3,530,000 | 70.1% | 0.6% |
| FREEDOM MORTGAGE CORPORATION | $1,535,000 | $3,385,000 | 120.5% | 0.6% |
| USAA Federal Savings Bank | $4,750,000 | $3,350,000 | -29.5% | 0.6% |
| VILLAGE CAPITAL MORTGAGE | $460,000 | $3,270,000 | 610.9% | 0.6% |
| First Reliance Bank | $3,445,000 | $3,095,000 | -10.2% | 0.5% |
| Carter Bank & Trust | $29,520,000 | $3,040,000 | -89.7% | 0.5% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $2,700,000 | $2,915,000 | 8.0% | 0.5% |
| Towne First Mortgage, LLC | $345,000 | $2,795,000 | 710.1% | 0.5% |
| AMERICAN FINANCIAL RESOURCES, INC. | $2,765,000 | n/a | 0.5% | |
| The Gratz Bank | $2,635,000 | n/a | 0.5% | |
| JPMorgan Chase Bank | $1,660,000 | $2,380,000 | 43.4% | 0.4% |
| LOANDEPOT.COM, LLC | $2,090,000 | $2,175,000 | 4.1% | 0.4% |
| First Federal Bank | $1,935,000 | n/a | 0.3% | |
| CAPITAL CENTER, L.L.C. | $1,190,000 | $1,820,000 | 52.9% | 0.3% |
| Bank of America | $2,550,000 | $1,805,000 | -29.2% | 0.3% |
| CARDINAL FINANCIAL | $1,095,000 | $1,770,000 | 61.6% | 0.3% |
| GUILD MORTGAGE COMPANY | $350,000 | $1,745,000 | 398.6% | 0.3% |
| CNB Bank | $1,365,000 | $1,640,000 | 20.1% | 0.3% |
| NBKC BANK | $385,000 | $1,630,000 | 323.4% | 0.3% |
| Burke & Herbert Bank & Trust Company | $1,495,000 | n/a | 0.3% | |
| NEWREZ LLC | $830,000 | $1,450,000 | 74.7% | 0.3% |
| EMBRACE HOME LOANS, INC. | $1,520,000 | $1,355,000 | -10.9% | 0.2% |
| BROKER SOLUTIONS, INC. | $1,965,000 | $1,345,000 | -31.6% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $1,360,000 | $1,275,000 | -6.3% | 0.2% |
| TD Bank | $395,000 | $1,265,000 | 220.3% | 0.2% |
| Atlantic Coast Mortgage, LLC | $535,000 | $1,255,000 | 134.6% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $925,000 | $1,225,000 | 32.4% | 0.2% |
| SOUTHWEST STAGE FUNDING, LLC | $520,000 | $1,210,000 | 132.7% | 0.2% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $370,000 | $1,195,000 | 223.0% | 0.2% |
| STATE EMPLOYEES' | $1,815,000 | $1,165,000 | -35.8% | 0.2% |
| CROSSCOUNTRY MORTGAGE, LLC | $560,000 | $1,135,000 | 102.7% | 0.2% |
| First National Bank of Pennsylvania | $1,090,000 | $1,125,000 | 3.2% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,095,000 | n/a | 0.2% | |
| BLUE EAGLE CREDIT UNION | $865,000 | $1,030,000 | 19.1% | 0.2% |
| The Old Point National Bank of Phoebus | $295,000 | $1,025,000 | 247.5% | 0.2% |
| 21ST MORTGAGE CORPORATION | $35,000 | $1,005,000 | 2,771.4% | 0.2% |
| Northpointe Bank | $1,005,000 | n/a | 0.2% | |
| First Community Bank | $3,945,000 | $985,000 | -75.0% | 0.2% |
| PNC Bank | $1,120,000 | $980,000 | -12.5% | 0.2% |
| Carrington Mortgage Services, LLC | $840,000 | $975,000 | 16.1% | 0.2% |
| SWBC MORTGAGE CORPORATION | $975,000 | n/a | 0.2% | |
| TOWNE MORTGAGE COMPANY | $135,000 | $880,000 | 551.9% | 0.2% |
| Old National Bank | $875,000 | n/a | 0.2% | |
| GUARANTEED RATE, INC. | $520,000 | $840,000 | 61.5% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $415,000 | $830,000 | 100.0% | 0.1% |
| FirstBank | $825,000 | n/a | 0.1% | |
| IVY MORTGAGE, INC. | $2,025,000 | $805,000 | -60.2% | 0.1% |
| The First National Bank of Peterstown | $275,000 | $795,000 | 189.1% | 0.1% |
| NEW DAY FINANCIAL, LLC | $705,000 | $765,000 | 8.5% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $160,000 | $730,000 | 356.3% | 0.1% |
| Pinnacle Bank | $1,565,000 | $720,000 | -54.0% | 0.1% |
| Figure Lending LLC | $550,000 | $710,000 | 29.1% | 0.1% |
| U.S. Bank | $1,095,000 | $685,000 | -37.4% | 0.1% |
| Virginia Credit Union, Inc. | $1,470,000 | $680,000 | -53.7% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $430,000 | $675,000 | 57.0% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $645,000 | n/a | 0.1% | |
| Sierra Pacific Mortgage Company, Inc. | $315,000 | $640,000 | 103.2% | 0.1% |
| Beeline Loans, Inc. | $610,000 | n/a | 0.1% | |
| Bell Bank | $600,000 | n/a | 0.1% | |
| Fifth Third Bank | $595,000 | n/a | 0.1% | |
| ENCORE BANK | $585,000 | n/a | 0.1% | |
| Discover Bank | $795,000 | $575,000 | -27.7% | 0.1% |
| First Savings Bank | $575,000 | n/a | 0.1% | |
| General Mortgage Capital Corporation | $280,000 | $570,000 | 103.6% | 0.1% |
| First Bank | $1,235,000 | $565,000 | -54.3% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $145,000 | $560,000 | 286.2% | 0.1% |
| THE MORTGAGE LINK, INC. | $540,000 | n/a | 0.1% | |
| Benchmark Community Bank | $515,000 | n/a | 0.1% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $355,000 | $505,000 | 42.3% | 0.1% |
| The Northern Trust Company | $505,000 | n/a | 0.1% | |
| FBC MORTGAGE, LLC | $485,000 | n/a | 0.1% | |
| Orion Federal Credit Union | $465,000 | n/a | 0.1% | |
| South State Bank | $455,000 | n/a | 0.1% | |
| Mid-Continent Funding, Inc. | $570,000 | $450,000 | -21.1% | 0.1% |
| Call Federal Credit Union | $435,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $205,000 | $430,000 | 109.8% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $290,000 | $420,000 | 44.8% | 0.1% |
| Aurora Financial, LLC | $415,000 | n/a | 0.1% | |
| Advance Financial Group, LLC | $405,000 | n/a | 0.1% | |
| EASTMAN | $310,000 | $405,000 | 30.6% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $215,000 | $400,000 | 86.0% | 0.1% |
| SOUTHERN TRUST MORTGAGE, LLC | $400,000 | n/a | 0.1% | |
| Strong Home Mortgage, LLC | $275,000 | $395,000 | 43.6% | 0.1% |
| Bank of Botetourt | $1,575,000 | $385,000 | -75.6% | 0.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $225,000 | $380,000 | 68.9% | 0.1% |
| MILEND, INC. | $335,000 | $380,000 | 13.4% | 0.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $500,000 | $370,000 | -26.0% | 0.1% |
| NP, Inc. | $365,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $155,000 | $360,000 | 132.3% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $750,000 | $355,000 | -52.7% | 0.1% |
| State Department Federal Credit Union | $15,000 | $345,000 | 2,200.0% | 0.1% |
| A&D Mortgage LLC | $265,000 | $340,000 | 28.3% | 0.1% |
| New Peoples Bank, Inc. | $335,000 | n/a | 0.1% | |
| USAlliance Federal Credit Union | $330,000 | n/a | 0.1% | |
| Keystone Funding, Inc. | $265,000 | $325,000 | 22.6% | 0.1% |
| AMWEST FUNDING CORP. | $855,000 | $315,000 | -63.2% | 0.1% |
| GUIDANCE RESIDENTIAL, LLC | $215,000 | $315,000 | 46.5% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $110,000 | $315,000 | 186.4% | 0.1% |
| Ally Bank | $235,000 | $310,000 | 31.9% | 0.1% |
| M&T Bank | $105,000 | $310,000 | 195.2% | 0.1% |
| Arvest Bank | $305,000 | n/a | 0.1% | |
| Baxter Credit Union | $305,000 | n/a | 0.1% | |
| Century Mortgage Company DBA Century Lending Company | $215,000 | $305,000 | 41.9% | 0.1% |
| CNB Bank Inc. | $305,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $300,000 | n/a | 0.1% | |
| INTELLILOAN, INC. | $295,000 | n/a | 0.1% | |
| Morgan Stanley Private Bank | $720,000 | $295,000 | -59.0% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $275,000 | $290,000 | 5.5% | 0.1% |
| ARC HOME LLC | $285,000 | n/a | 0.0% | |
| Calvin B. Taylor Banking Company of Berlin, Maryland | $285,000 | n/a | 0.0% | |
| First Bank | $1,235,000 | $285,000 | -76.9% | 0.0% |
| NEW WAVE LENDING GROUP INC | $285,000 | n/a | 0.0% | |
| TOWER | $705,000 | $285,000 | -59.6% | 0.0% |
| Farmers Bank & Trust | $280,000 | n/a | 0.0% | |
| HOMEXPRESS MORTGAGE CORP. | $280,000 | n/a | 0.0% | |
| INTERCOASTAL MORTGAGE COMPANY | $1,040,000 | $275,000 | -73.6% | 0.0% |
| ZILLOW HOME LOANS, LLC | $575,000 | $275,000 | -52.2% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $270,000 | n/a | 0.0% | |
| AMERICAN INTERNET MORTGAGE, INC. | $270,000 | n/a | 0.0% | |
| Bank of Hope | $265,000 | n/a | 0.0% | |
| Loan Simple, Inc. | $265,000 | n/a | 0.0% | |
| Sunflower Bank | $265,000 | n/a | 0.0% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $255,000 | n/a | 0.0% | |
| Leader Bank | $255,000 | n/a | 0.0% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $205,000 | $255,000 | 24.4% | 0.0% |
| Towne Bank | $255,000 | n/a | 0.0% | |
| DUPONT COMMUNITY | $250,000 | n/a | 0.0% | |
| Merchants Mortgage & Trust Corporation | $250,000 | n/a | 0.0% | |
| MORIA DEVELOPMENT, INC. | $245,000 | n/a | 0.0% | |
| The Farmers & Merchants Bank of Craig County | $245,000 | n/a | 0.0% | |
| United Bank | $245,000 | n/a | 0.0% | |
| Citizens Bank | $5,905,000 | $240,000 | -95.9% | 0.0% |
| DEEPHAVEN MORTGAGE LLC | $240,000 | n/a | 0.0% | |
| NFM, INC. | $725,000 | $235,000 | -67.6% | 0.0% |
| SPRING EQ, LLC | $390,000 | $230,000 | -41.0% | 0.0% |
| Ameris Bank | $225,000 | n/a | 0.0% | |
| EMM LOANS LLC | $375,000 | $225,000 | -40.0% | 0.0% |
| HomeTrust Bank | $225,000 | n/a | 0.0% | |
| Integrity Home Mortgage Corp | $225,000 | n/a | 0.0% | |
| LOANPAL, LLC | $440,000 | $225,000 | -48.9% | 0.0% |
| MORTGAGEONE, INC. | $405,000 | $225,000 | -44.4% | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $160,000 | $215,000 | 34.4% | 0.0% |
| Citibank | $205,000 | n/a | 0.0% | |
| AgFirst Farm Credit Bank | $195,000 | n/a | 0.0% | |
| Uwharrie Bank | $195,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $185,000 | n/a | 0.0% | |
| Barrington Bank & Trust Company, N.A. | $45,000 | $185,000 | 311.1% | 0.0% |
| Lakeview Community Capital, LLC | $185,000 | n/a | 0.0% | |
| MEMBER ADVANTAGE MORTGAGE, LLC | $185,000 | n/a | 0.0% | |
| SOUTHPOINT FINANCIAL SERVICES, INC. | $185,000 | n/a | 0.0% | |
| Bank of the James | $565,000 | $180,000 | -68.1% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $175,000 | n/a | 0.0% | |
| SIRVA MORTGAGE, INC. | $660,000 | $175,000 | -73.5% | 0.0% |
| Coastal Community Bank | $45,000 | $170,000 | 277.8% | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | $165,000 | n/a | 0.0% | |
| BETTER MORTGAGE CORPORATION | $215,000 | $145,000 | -32.6% | 0.0% |
| PLAZA HOME MORTGAGE, INC. | $315,000 | $145,000 | -54.0% | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | $270,000 | $135,000 | -50.0% | 0.0% |
| LENDINGONE, LLC | $115,000 | n/a | 0.0% | |
| Nations Lending Corporation | $145,000 | $115,000 | -20.7% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $105,000 | n/a | 0.0% | |
| Summit Community Bank, Inc. | $4,585,000 | $105,000 | -97.7% | 0.0% |
| UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION,INC. | $105,000 | n/a | 0.0% | |
| LegacyBank | $85,000 | n/a | 0.0% | |
| Stifel Bank and Trust | $335,000 | $75,000 | -77.6% | 0.0% |
| Farm Credit of the Virginias, ACA | $350,000 | $65,000 | -81.4% | 0.0% |
| LANGLEY | $65,000 | n/a | 0.0% | |
| N R L Federal Credit Union | $315,000 | $55,000 | -82.5% | 0.0% |
| CHARLOTTE METRO FEDERAL CREDIT UNION | $45,000 | n/a | 0.0% | |
| The Farmers Bank of Appomattox | $45,000 | n/a | 0.0% | |
| CORNING | $35,000 | n/a | 0.0% | |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | $35,000 | n/a | 0.0% | |
| Flagstar Bank, FSB | $770,000 | $25,000 | -96.8% | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | $25,000 | n/a | 0.0% | |
| PLANET HOME LENDING, LLC | $90,000 | $25,000 | -72.2% | 0.0% |
| Salem VA Credit Union | $25,000 | n/a | 0.0% |
BLACKSBURG - CHRISTIANSBURG's top lender by overall market share is FREEDOM FIRST, with 8.0% market share. In second place, with 7.6%, is Alcova Mortgage LLC, having originated $43,765,000 in loans. In third place, with 6.4%, is NATIONAL BANKSHARES, INC., having originated $37,120,000 in loans. In fourth place, with 6.2%, is First Heritage Mortgage, LLC, having originated $35,495,000 in loans. In fifth place, with 5.4%, is QUICKEN LOANS, LLC, having originated $31,140,000 in loans.
BLACKSBURG-CHRISTIANSBURG, VA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,465 | $394,595,000 | $269,348 |
| Other | 301 | $28,895,000 | $95,997 |
| Refi | 284 | $85,740,000 | $301,901 |
| Cash Out Refi | 274 | $49,010,000 | $178,869 |
| Home Improvement | 202 | $17,810,000 | $88,168 |
Blacksburg - Christiansburg's most frequently cited loan purpose was Home Purchase, with 1,465 originations. The 2nd most popular reason was Other, with 301 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 953 | $247,225,000 | $259,418 |
| 7-8% | 543 | $131,565,000 | $242,293 |
| Over 8% | 493 | $49,935,000 | $101,288 |
| 5-6% | 293 | $78,435,000 | $267,696 |
| 4-5% | 17 | $4,175,000 | $245,588 |
| <2.5% | 3 | $25,000 | $8,333 |
| 2.5-3% | 2 | $690,000 | $345,000 |
| 3-4% | 1 | $105,000 | $105,000 |
During 2024, Blacksburg - Christiansburg's most frequently originated rate bucket was 6-7%, with 953 originations.
Loan Sizing (BLACKSBURG-CHRISTIANSBURG, VA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 902 | $250,220,000 | $277,406 |
| $100k-200k | 704 | $107,240,000 | $152,330 |
| $100,000 or less | 625 | $34,175,000 | $54,680 |
| $400k-600k | 216 | $100,750,000 | $466,435 |
| $600k-1000k | 68 | $47,710,000 | $701,618 |
| $Over $1MM | 11 | $35,955,000 | $3,268,636 |
BLACKSBURG - CHRISTIANSBURG's loan sizing saw the bucket of loans from $200k-400k with 902 originations, totaling $250,220,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 914 | $257,540,000 | $281,772 |
| 60-80% | 480 | $125,100,000 | $260,625 |
| Under 20% | 320 | $15,290,000 | $47,781 |
| 20-40% | 296 | $34,180,000 | $115,473 |
| 40-60% | 227 | $58,625,000 | $258,260 |
| Over 100% | 44 | $13,320,000 | $302,727 |
BLACKSBURG - CHRISTIANSBURG's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 914 originations, totaling $257,540,000 in origination value.