BLACKSBURG - CHRISTIANSBURG Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Blacksburg - Christiansburg averaged 5.71% for the week of 2022-05-12, compared to the national average of 5.3% for the same period.

The average rate for the prior week (2022-05-05) was 5.68% and one month ago for the week of 2022-04-07, the average rate was 5.13%.

Blacksburg - Christiansburg's average rate one year ago was 3.14%.

For refis of the same type during the week of 2022-05-12, the average rate was 5.27%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-05-12 5.3%
Blacksburg - Christiansburg 30 Year Fixed Rate 2022-05-12 5.71%
Blacksburg - Christiansburg 30 Year Fixed Rate Refi 2022-05-12 5.27%
Blacksburg - Christiansburg 15 Year Fixed Rate 2022-05-12 5.14%
Blacksburg - Christiansburg 15 Year Fixed Rate Refi 2022-05-12 4.91%
Blacksburg - Christiansburg 30 Year FHA 2022-05-12 5.34%
Blacksburg - Christiansburg 30 Year FHA Refi 2022-05-12 5.37%
Blacksburg - Christiansburg 30 Year USDA 2022-05-12 5.19%
Blacksburg - Christiansburg 30 Year USDA Refi 2022-05-12 5.1%
Blacksburg - Christiansburg 30 Year VA 2022-05-12 5.39%
Blacksburg - Christiansburg 30 Year VA Refi 2022-05-12 5.2%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within BLACKSBURG-CHRISTIANSBURG, VA.

BLACKSBURG - CHRISTIANSBURG Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, 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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
QUICKEN LOANS, LLC 189 3.09% $4,553
Alcova Mortgage LLC 168 3.08% $3,087
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 145 3.31% $3,599
FREEDOM FIRST 119 2.88% $3,245
First Heritage Mortgage, LLC 118 3.07% $3,682
EMBRACE HOME LOANS, INC. 115 3.10% $3,479
Prosperity Home Mortgage, LLC 110 3.11% $3,763
UNITED WHOLESALE MORTGAGE, LLC 89 2.95% $4,932
MOVEMENT MORTGAGE, LLC 85 3.20% $3,561
Wells Fargo Bank 70 3.11% $3,205
Citizens Bank 51 2.98% $3,760
First Community Bank 48 2.93% $3,826
Truist Bank 46 3.08% $3,695
Atlantic Union Bank 44 3.26% $5,097
RESIDENTIAL MORTGAGE SERVICES, INC. 41 3.08% $3,496
FIRST BANCORP, INC. 38 3.43% $3,053
LOANDEPOT.COM, LLC 31 3.02% $4,403
Mr. Cooper ( Nationstar Mortgage ) 30 3.25% $4,339
AMERISAVE MORTGAGE CORPORATION 22 2.74% $5,911
Renasant Bank 21 2.93% $3,442
CAPITAL CENTER, L.L.C. 20 3.11% $1,400
OVM FINANCIAL, INC. 20 3.24% $3,996
NAVY FEDERAL CREDIT UNION 19 3.22% $2,709
PENNYMAC LOAN SERVICES, LLC 19 3.17% $5,213
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 18 3.25% $4,940
BETTER MORTGAGE CORPORATION 18 2.72% $3,286
CALIBER HOME LOANS, INC. 18 2.95% $4,406
The Federal Savings Bank 16 3.04% $3,837
First-Citizens Bank & Trust Company 13 3.06% $2,932
MEMBER ONE 13 3.09% $4,610
George Mason Mortgage, LLC 12 3.17% $4,395
U.S. Bank 11 2.95% $2,764
FREEDOM MORTGAGE CORPORATION 11 3.18% $2,428
Bank of America 9 2.72% $5,170
BROKER SOLUTIONS, INC. 8 3.12% $4,390
Flagstar Bank, FSB 8 3.09% $2,922
Truliant Federal Credit Union 7 3.21% $2,720
Blue Ridge Bank 7 3.21% $3,753
INTERCOASTAL MORTGAGE COMPANY 7 3.14% $3,823
HOMESIDE FINANCIAL, LLC 7 2.93% $4,599
NEWREZ LLC 7 3.05% $3,064
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 6 3.10% $3,379
PENTAGON FEDERAL CREDIT UNION 6 2.88% $3,843
Plains Commerce Bank 6 3.46% $4,361
PRIMELENDING, A PLAINSCAPITAL COMPANY 6 3.38% $3,251
First Reliance Bank 6 3.29% $3,365
PROVIDENT FUNDING ASSOCIATES, L.P. 5 2.78% $4,447
USAA Federal Savings Bank 5 3.23% $2,743
Celco Community Federal Credit Union 5 5.25% $1,852
SWBC MORTGAGE CORPORATION 4 3.06% $4,687
HOME POINT FINANCIAL CORPORATION 4 3.22% $3,341
American National Bank and Trust Company 4 3.00% $3,064
TOWNE MORTGAGE COMPANY 4 3.56% $4,016
NFM, INC. 4 3.72% $5,545
ZILLOW HOME LOANS, LLC 4 3.00% $3,751
Wyndham Capital Mortgage, Inc. 4 2.91% $3,192
AMERICAN FINANCING CORPORATION 4 3.13% $2,980
First Guaranty Mortgage Corporation 4 3.15% $1,874
RESIDENTIAL BANCORP. 3 2.87% $2,711
RESIDENTIAL HOME FUNDING CORP. 3 3.21% $5,564
Strong Home Mortgage, LLC 3 3.00% $1,654
Fulton Bank 3 3.29% $3,565
AMERICAN PACIFIC MORTGAGE CORPORATION 3 3.12% $3,201
AgFirst Farm Credit Bank 3 3.29% $4,119
JPMorgan Chase Bank 3 3.13% $4,043
Northpointe Bank 3 3.46% $3,200
IVY MORTGAGE, INC. 3 3.00% $2,546
MUTUAL OF OMAHA MORTGAGE, INC. 3 3.67% $3,701
GUARANTY HOME MORTGAGE CORPORATION 3 3.21% $3,576
GUARANTEED RATE, INC. 3 3.12% $2,786
CROSSCOUNTRY MORTGAGE, LLC 3 3.21% $4,110
CMG MORTGAGE, INC. 2 2.93% $2,266
AMERICAN INTERNET MORTGAGE, INC. 2 2.75% $2,289
AmeriHome Mortgage Company, LLC 2 3.00% $3,704
Ameris Bank 2 3.19% $4,577
ARC HOME LLC 2 2.94% $874
BANKSOUTH MORTGAGE COMPANY, LLC 2 3.31% $3,778
Beeline Loans, Inc. 2 3.06% $2,203
BNC National Bank 2 2.75% $2,104
Carrington Mortgage Services, LLC 2 2.63% $3,441
Chicago Mortgage Solutions LLC 2 2.74% $1,458
CHURCHILL MORTGAGE CORPORATION 2 3.13% $3,971
Citibank 2 2.81% $4,953
ABSOLUTE HOME MORTGAGE CORPORATION 2 2.87% $2,803
EASTMAN 2 4.38% $2,991
FIRST HOME MORTGAGE CORPORATION 2 3.25% $3,950
First Mortgage Solutions, LLC 2 2.69% $3,670
Integrity Home Mortgage Corp 2 2.94% $3,433
JAMS-01, INC. 2 2.88% $3,427
LANGLEY 2 3.12% $2,817
Manufacturers and Traders Trust Company 2 3.19% $3,707
NASA Federal Credit Union 2 2.81% $5,401
Nations Lending Corporation 2 3.38% $4,863
NETWORK CAPITAL FUNDING CORPORATION 2 2.94% $3,227
PREMIA MORTGAGE, LLC 2 2.87% $2
RELIANCE FIRST CAPITAL, LLC 2 2.81% $8,173
ROYAL UNITED MORTGAGE LLC 2 2.75% $6,170
SOFI LENDING CORP. 2 2.88% $3,824
SOUTHPOINT FINANCIAL SERVICES, INC. 2 2.99% $6,065
STATE EMPLOYEES' 2 3.00% $4,011
SUCCESS MORTGAGE PARTNERS, INC. 2 3.06% $3,636
THRIVE MORTGAGE, LLC 2 3.31% $6,942
Virginia Credit Union, Inc. 2 3.31% $2,816
UNITED MORTGAGE CORP. 1 3.63% $5,763
Axos Bank 1 2.75% $3,866
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 3.50% $3,461
NBKC BANK 1 3.38% $1,131
Atlantic Home Loans, Inc. 1 3.50% $3,354
GUARANTEED RATE AFFINITY, LLC 1 3.38% $3,185
Gateway First Bank 1 2.88% $2,530
First National Bank of Pennsylvania 1 3.00% $4,774
NP, Inc. 1 3.25% $3,349
Fifth Third Bank 1 2.99% $3,226
Farm Credit of the Virginias, ACA 1 4.13% $250
EVERETT FINANCIAL, INC. 1 3.38% $2,237
Pinnacle Bank 1 2.75% $2,829
EMM LOANS LLC 1 2.75% $3,613
PLUS RELOCATION MORTGAGE, LLC 1 3.13% $3,067
PNC Bank 1 2.75% $3,327
Atlantic Coast Mortgage, LLC 1 2.88% $10,623
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 3.25% $3,872
DUPONT COMMUNITY 1 1.99% $3,358
Dollar Bank, Federal Savings Bank 1 3.25% $4,703
Discover Bank 1 4.15% $0
Credence Funding Corporation 1 2.88% $2,723
Vellum Mortgage, Inc. 1 3.25% $4,350
Commerce Bank 1 2.38% $3,059
Colonial Savings, F.A. 1 3.25% $2,977
COASTAL Federal Credit Union 1 2.88% $3,267
Citizens Union Bank of Shelbyville 1 2.38% $3,159
ALLIANT CREDIT UNION 1 2.63% $3,923
RUOFF MORTGAGE COMPANY, INC. 1 2.75% $2,730
Shamrock Home Loans, Inc. 1 3.63% $4,449
SHARONVIEW FEDERAL CREDIT UNION 1 3.13% $4,455
SIRVA MORTGAGE, INC. 1 2.88% $2,771
Watermark Capital, Inc. 1 2.50% $2,247
SOUTHERN TRUST MORTGAGE, LLC 1 3.13% $7,213
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 2.99% $3,820
SOVEREIGN LENDING GROUP INCORPORATED 1 3.38% $3,592
Wilmington Savings Fund Society, FSB 1 3.88% $3,153
Stifel Bank and Trust 1 2.75% $2,874
Charles Schwab Bank, SSB 1 2.25% $2,558
WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION 1 2.88% $4,526
Summit Community Bank, Inc. 1 2.75% $2,794
C&F Select LLC 1 2.88% $3,915
T2 FINANCIAL LLC 1 3.38% $8,069
TEXAS TECH 1 3.13% $3,886
The Central Trust Bank 1 2.75% $2,419
Cf Bank 1 2.75% $1,038
Third Federal Savings and Loan Association of Cleveland 1 3.29% $295
APEX HOME LOANS, INC. 1 3.00% $3,518
TIAA, FSB 1 3.25% $2,795
Tidewater Home Funding, LLC 1 2.88% $21,497
Towne First Mortgage, LLC 1 3.00% $3,574
Capital Bank 1 3.63% $3,037
Triumph Bank 1 3.00% $2,918
CANOPY MORTGAGE, LLC 1 2.99% $2,854
LENDERFI, INC. 1 3.00% $1,028
LAKEVIEW LOAN SERVICING, LLC 1 3.25% $3,690
Bank of England 1 3.38% $4,681
MASON MCDUFFIE MORTGAGE CORPORATION 1 2.88% $2,289
MCLEAN MORTGAGE CORPORATION 1 2.75% $2,328
LAFAYETTE FEDERAL CREDIT UNION 1 3.00% $4,442
Merchants Bank of Indiana 1 2.63% $7,284
MIDLAND MORTGAGE CORPORATION 1 3.13% $2,510
Morgan Stanley Private Bank 1 2.75% $3,886
Mortgage Research Center, LLC 1 2.75% $2,714
Keystone Funding, Inc. 1 3.63% $4,190
KELLER MORTGAGE, LLC 1 3.38% $1,882
HOMESTEAD FUNDING CORP. 1 2.75% $4,560

BLACKSBURG-CHRISTIANSBURG, VA's 170 lenders originated 5,354 loans during 2021. The total origination value was $1,278,910,000, with an average loan value of $238,870.

The top BLACKSBURG - CHRISTIANSBURG lender as defined by loan originations is QUICKEN LOANS, LLC, with 189 loans originated. Their average total fees are $4,553, which is $1,466 higher than the next largest lender, Alcova Mortgage LLC.

The lowest fee BLACKSBURG - CHRISTIANSBURG lenders (with over 10 loans originated) are CAPITAL CENTER, L.L.C. ($1,400), FREEDOM MORTGAGE CORPORATION ($2,428), NAVY FEDERAL CREDIT UNION ($2,709), U.S. Bank ($2,764) and First-Citizens Bank & Trust Company ($2,932).

The lowest rate BLACKSBURG - CHRISTIANSBURG lenders (with over 10 loans originated) are BETTER MORTGAGE CORPORATION (2.72%), AMERISAVE MORTGAGE CORPORATION (2.74%), FREEDOM FIRST (2.88%), Renasant Bank (2.93%) and First Community Bank (2.93%).

BLACKSBURG-CHRISTIANSBURG, VA Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
QUICKEN LOANS, LLC $79,300,000 $86,135,000 8.6% 6.7%
NATIONAL BANKSHARES, INC. $77,180,000 $80,225,000 3.9% 6.3%
Alcova Mortgage LLC $94,105,000 $77,765,000 -17.4% 6.1%
WALKER & DUNLOP, LLC $75,985,000 n/a 5.9%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $70,100,000 $61,315,000 -12.5% 4.8%
First Community Bank $33,060,000 $58,480,000 76.9% 4.6%
EMBRACE HOME LOANS, INC. $41,790,000 $51,035,000 22.1% 4.0%
First Heritage Mortgage, LLC $41,335,000 $47,670,000 15.3% 3.7%
Prosperity Home Mortgage, LLC $48,450,000 $43,915,000 -9.4% 3.4%
FREEDOM FIRST $54,655,000 $43,415,000 -20.6% 3.4%
UNITED WHOLESALE MORTGAGE, LLC $24,970,000 $39,790,000 59.4% 3.1%
Wells Fargo Bank $25,440,000 $35,350,000 39.0% 2.8%
Atlantic Union Bank $31,555,000 $31,790,000 0.7% 2.5%
MOVEMENT MORTGAGE, LLC $32,420,000 $30,840,000 -4.9% 2.4%
Truist Bank $29,035,000 $30,690,000 5.7% 2.4%
EagleBank $27,505,000 n/a 2.2%
FREEDOM MORTGAGE CORPORATION $18,355,000 $25,325,000 38.0% 2.0%
Citizens Bank $4,380,000 $19,840,000 353.0% 1.6%
FIRST BANCORP, INC. $43,545,000 $18,875,000 -56.7% 1.5%
American National Bank and Trust Company $36,850,000 $17,790,000 -51.7% 1.4%
LOANDEPOT.COM, LLC $9,885,000 $16,070,000 62.6% 1.3%
Mr. Cooper ( Nationstar Mortgage ) $10,075,000 $15,295,000 51.8% 1.2%
RESIDENTIAL MORTGAGE SERVICES, INC. $27,765,000 $14,565,000 -47.5% 1.1%
PENNYMAC LOAN SERVICES, LLC $6,265,000 $14,385,000 129.6% 1.1%
First-Citizens Bank & Trust Company $11,695,000 $12,975,000 10.9% 1.0%
Skyline National Bank $31,125,000 $11,700,000 -62.4% 0.9%
The Federal Savings Bank $7,170,000 $10,860,000 51.5% 0.8%
BETTER MORTGAGE CORPORATION $10,825,000 n/a 0.8%
AMERISAVE MORTGAGE CORPORATION $6,220,000 $10,105,000 62.5% 0.8%
CALIBER HOME LOANS, INC. $14,290,000 $9,985,000 -30.1% 0.8%
NAVY FEDERAL CREDIT UNION $6,970,000 $9,185,000 31.8% 0.7%
Renasant Bank $17,985,000 $8,930,000 -50.3% 0.7%
Mortgage Research Center, LLC $4,755,000 $8,810,000 85.3% 0.7%
Truliant Federal Credit Union $9,505,000 $7,990,000 -15.9% 0.6%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $5,390,000 $7,960,000 47.7% 0.6%
MEMBER ONE $11,060,000 $7,290,000 -34.1% 0.6%
OVM FINANCIAL, INC. $2,130,000 $7,240,000 239.9% 0.6%
Summit Community Bank, Inc. $9,760,000 $6,285,000 -35.6% 0.5%
CAPITAL CENTER, L.L.C. $4,115,000 $5,555,000 35.0% 0.4%
George Mason Mortgage, LLC $575,000 $5,300,000 821.7% 0.4%
LAKEVIEW LOAN SERVICING, LLC $4,460,000 $5,245,000 17.6% 0.4%
JPMorgan Chase Bank $5,735,000 $4,710,000 -17.9% 0.4%
Flagstar Bank, FSB $780,000 $4,630,000 493.6% 0.4%
Carter Bank & Trust $1,410,000 $4,235,000 200.4% 0.3%
Bank of America $4,125,000 $4,115,000 -0.2% 0.3%
U.S. Bank $3,410,000 $3,985,000 16.9% 0.3%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,990,000 $3,905,000 96.2% 0.3%
BROKER SOLUTIONS, INC. $3,615,000 $3,785,000 4.7% 0.3%
USAA Federal Savings Bank $6,750,000 $3,530,000 -47.7% 0.3%
Carrington Mortgage Services, LLC $3,900,000 $3,480,000 -10.8% 0.3%
NEWREZ LLC $2,515,000 $3,120,000 24.1% 0.2%
HOMESIDE FINANCIAL, LLC $470,000 $2,660,000 466.0% 0.2%
First Reliance Bank $3,265,000 $2,555,000 -21.7% 0.2%
Strong Home Mortgage, LLC $1,005,000 $2,500,000 148.8% 0.2%
SOFI LENDING CORP. $790,000 $2,480,000 213.9% 0.2%
INTERCOASTAL MORTGAGE COMPANY $2,365,000 $2,360,000 -0.2% 0.2%
IVY MORTGAGE, INC. $1,250,000 $2,310,000 84.8% 0.2%
NEW DAY FINANCIAL, LLC $2,640,000 $2,175,000 -17.6% 0.2%
HOME POINT FINANCIAL CORPORATION $1,680,000 $2,160,000 28.6% 0.2%
Blue Ridge Bank $5,390,000 $2,155,000 -60.0% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $1,910,000 $2,120,000 11.0% 0.2%
TOWNE MORTGAGE COMPANY $460,000 $2,070,000 350.0% 0.2%
Celco Community Federal Credit Union $3,625,000 $2,065,000 -43.0% 0.2%
PENTAGON FEDERAL CREDIT UNION $580,000 $2,030,000 250.0% 0.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $2,305,000 $1,985,000 -13.9% 0.2%
CHURCHILL MORTGAGE CORPORATION $1,245,000 $1,955,000 57.0% 0.2%
RESIDENTIAL HOME FUNDING CORP. $950,000 $1,835,000 93.2% 0.1%
First Guaranty Mortgage Corporation $2,375,000 $1,650,000 -30.5% 0.1%
NEWPORT NEWS SHIPBUILDING EMPLOYEES $105,000 $1,650,000 1,471.4% 0.1%
GUARANTEED RATE, INC. $2,835,000 $1,590,000 -43.9% 0.1%
Virginia Credit Union, Inc. $2,995,000 $1,585,000 -47.1% 0.1%
Wyndham Capital Mortgage, Inc. $1,025,000 $1,490,000 45.4% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $760,000 $1,455,000 91.4% 0.1%
First Mortgage Solutions, LLC $730,000 $1,395,000 91.1% 0.1%
NFM, INC. $765,000 $1,355,000 77.1% 0.1%
Chicago Mortgage Solutions LLC $1,270,000 n/a 0.1%
Nations Lending Corporation $1,660,000 $1,270,000 -23.5% 0.1%
The Bank of Marion $380,000 $1,255,000 230.3% 0.1%
BNC National Bank $2,450,000 $1,235,000 -49.6% 0.1%
SWBC MORTGAGE CORPORATION $2,490,000 $1,215,000 -51.2% 0.1%
Pinnacle Bank $16,140,000 $1,115,000 -93.1% 0.1%
RELIANCE FIRST CAPITAL, LLC $750,000 $1,110,000 48.0% 0.1%
Fulton Bank $2,225,000 $1,085,000 -51.2% 0.1%
VILLAGE CAPITAL & INVESTMENT LLC $1,075,000 n/a 0.1%
CROSSCOUNTRY MORTGAGE, LLC $1,140,000 $1,000,000 -12.3% 0.1%
NETWORK CAPITAL FUNDING CORPORATION $860,000 $985,000 14.5% 0.1%
GUARANTY HOME MORTGAGE CORPORATION $360,000 $965,000 168.1% 0.1%
Northpointe Bank $845,000 $950,000 12.4% 0.1%
LANGLEY $115,000 $930,000 708.7% 0.1%
Plains Commerce Bank $925,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $690,000 $865,000 25.4% 0.1%
AmeriHome Mortgage Company, LLC $420,000 $850,000 102.4% 0.1%
EASTMAN $830,000 $850,000 2.4% 0.1%
First Federal Bank $360,000 $850,000 136.1% 0.1%
ARC HOME LLC $2,185,000 $840,000 -61.6% 0.1%
PNC Bank $1,005,000 $835,000 -16.9% 0.1%
AgFirst Farm Credit Bank $1,745,000 $830,000 -52.4% 0.1%
Third Federal Savings and Loan Association of Cleveland $455,000 $825,000 81.3% 0.1%
HomeTrust Bank $7,110,000 $815,000 -88.5% 0.1%
First National Bank of Pennsylvania $735,000 $810,000 10.2% 0.1%
NBKC BANK $1,305,000 $800,000 -38.7% 0.1%
CMG MORTGAGE, INC. $450,000 $775,000 72.2% 0.1%
GSF Mortgage Corporation $765,000 n/a 0.1%
PREMIA MORTGAGE, LLC $750,000 n/a 0.1%
RESIDENTIAL BANCORP. $745,000 n/a 0.1%
LENDERFI, INC. $145,000 $725,000 400.0% 0.1%
Dollar Bank, Federal Savings Bank $285,000 $720,000 152.6% 0.1%
Integrity Home Mortgage Corp $720,000 n/a 0.1%
Low VA Rates, LLC $295,000 $700,000 137.3% 0.1%
Beeline Loans, Inc. $685,000 n/a 0.1%
COASTAL Federal Credit Union $680,000 n/a 0.1%
THRIVE MORTGAGE, LLC $245,000 $680,000 177.6% 0.1%
JAMS-01, INC. $255,000 $675,000 164.7% 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $670,000 n/a 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $775,000 $670,000 -13.5% 0.1%
AMERICAN ADVISORS GROUP $810,000 $660,000 -18.5% 0.1%
Farm Credit of the Virginias, ACA $585,000 $660,000 12.8% 0.1%
PLANET HOME LENDING, LLC $505,000 $660,000 30.7% 0.1%
ZILLOW HOME LOANS, LLC $135,000 $640,000 374.1% 0.1%
Tidewater Home Funding, LLC $630,000 n/a 0.0%
Manufacturers and Traders Trust Company $360,000 $620,000 72.2% 0.0%
Atlantic Coast Mortgage, LLC $270,000 $615,000 127.8% 0.0%
MID AMERICA MORTGAGE, INC. $500,000 $600,000 20.0% 0.0%
STATE EMPLOYEES' $290,000 $590,000 103.4% 0.0%
Acre Mortgage and Financial Inc $580,000 n/a 0.0%
A Mortgage Boutique, LLC $855,000 $580,000 -32.2% 0.0%
AMERICAN FINANCIAL NETWORK, INC. $735,000 $575,000 -21.8% 0.0%
AMERICAN INTERNET MORTGAGE, INC. $205,000 $575,000 180.5% 0.0%
Axos Bank $560,000 n/a 0.0%
Ameris Bank $230,000 $550,000 139.1% 0.0%
First Savings Bank $305,000 $550,000 80.3% 0.0%
Amerifirst Financial, Inc. $545,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $1,015,000 $540,000 -46.8% 0.0%
NASA Federal Credit Union $540,000 n/a 0.0%
SIRVA MORTGAGE, INC. $315,000 $540,000 71.4% 0.0%
Morgan Stanley Private Bank $535,000 n/a 0.0%
ROYAL UNITED MORTGAGE LLC $745,000 $535,000 -28.2% 0.0%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $580,000 $525,000 -9.5% 0.0%
RUOFF MORTGAGE COMPANY, INC. $525,000 n/a 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $1,030,000 $525,000 -49.0% 0.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,525,000 $510,000 -66.6% 0.0%
Bank of England $440,000 $505,000 14.8% 0.0%
Fifth Third Bank $405,000 $505,000 24.7% 0.0%
Watermark Capital, Inc. $225,000 $505,000 124.4% 0.0%
1ST FINANCIAL, INC. $500,000 n/a 0.0%
The Central Trust Bank $500,000 n/a 0.0%
FINANCE OF AMERICA MORTGAGE LLC $970,000 $490,000 -49.5% 0.0%
SUCCESS MORTGAGE PARTNERS, INC. $485,000 n/a 0.0%
Gateway First Bank $470,000 n/a 0.0%
WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION $455,000 n/a 0.0%
Powell Valley National Bank $145,000 $445,000 206.9% 0.0%
Discover Bank $115,000 $435,000 278.3% 0.0%
FIRST HOME MORTGAGE CORPORATION $145,000 $430,000 196.6% 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $2,680,000 $415,000 -84.5% 0.0%
Cf Bank $750,000 $415,000 -44.7% 0.0%
South State Bank $405,000 $415,000 2.5% 0.0%
ABSOLUTE HOME MORTGAGE CORPORATION $410,000 n/a 0.0%
Citizens Union Bank of Shelbyville $405,000 n/a 0.0%
Commerce Bank $405,000 n/a 0.0%
Stifel Bank and Trust $1,395,000 $380,000 -72.8% 0.0%
Towne Bank $750,000 $380,000 -49.3% 0.0%
Hometown Equity Mortgage, LLC $375,000 n/a 0.0%
Virginia National Bank $605,000 $375,000 -38.0% 0.0%
Citibank $370,000 $370,000 0.0% 0.0%
Towne First Mortgage, LLC $305,000 $365,000 19.7% 0.0%
DUPONT COMMUNITY $205,000 $355,000 73.2% 0.0%
HOMESTEAD FUNDING CORP. $935,000 $355,000 -62.0% 0.0%
MCLEAN MORTGAGE CORPORATION $3,990,000 $350,000 -91.2% 0.0%
ALLEGACY FEDERAL CREDIT UNION $345,000 n/a 0.0%
CLEARPATH LENDING $885,000 $340,000 -61.6% 0.0%
SOUTHERN TRUST MORTGAGE, LLC $645,000 $335,000 -48.1% 0.0%
ALLIED MORTGAGE GROUP, INC. $1,010,000 $330,000 -67.3% 0.0%
Magnolia Bank $205,000 $330,000 61.0% 0.0%
OPEN MORTGAGE, LLC $125,000 $325,000 160.0% 0.0%
Keystone Funding, Inc. $320,000 n/a 0.0%
OCEANSIDE MORTGAGE COMPANY $445,000 $320,000 -28.1% 0.0%
Vellum Mortgage, Inc. $315,000 n/a 0.0%
Lakeview Community Capital, LLC $295,000 $310,000 5.1% 0.0%
21ST MORTGAGE CORPORATION $100,000 $305,000 205.0% 0.0%
C&F Select LLC $305,000 n/a 0.0%
MK LENDING CORP. $305,000 n/a 0.0%
NP, Inc. $305,000 n/a 0.0%
Webster Five Cents Savings Bank $305,000 n/a 0.0%
BANKSOUTH MORTGAGE COMPANY, LLC $165,000 $300,000 81.8% 0.0%
SOUTHPOINT FINANCIAL SERVICES, INC. $425,000 $300,000 -29.4% 0.0%
GUILD MORTGAGE COMPANY $305,000 $295,000 -3.3% 0.0%
SHARONVIEW FEDERAL CREDIT UNION $770,000 $295,000 -61.7% 0.0%
Colonial Savings, F.A. $445,000 $285,000 -36.0% 0.0%
TEXAS TECH $285,000 n/a 0.0%
ALLIANT CREDIT UNION $280,000 n/a 0.0%
BAYSHORE MORTGAGE FUNDING, LLC $275,000 n/a 0.0%
FIRST COMMUNITY MORTGAGE, INC. $390,000 $275,000 -29.5% 0.0%
Merchants Bank of Indiana $275,000 n/a 0.0%
PLAZA HOME MORTGAGE, INC. $275,000 n/a 0.0%
Presidential Bank, FSB $545,000 $275,000 -49.5% 0.0%
First Bank $265,000 n/a 0.0%
LOANLEADERS OF AMERICA, INC. $620,000 $265,000 -57.3% 0.0%
PLUS RELOCATION MORTGAGE, LLC $265,000 n/a 0.0%
Wilmington Savings Fund Society, FSB $265,000 n/a 0.0%
DAS Acquisition Company, LLC $255,000 n/a 0.0%
FAY SERVICING, LLC $255,000 n/a 0.0%
SUN WEST MORTGAGE COMPANY, INC. $245,000 n/a 0.0%
CANOPY MORTGAGE, LLC $235,000 n/a 0.0%
CityWorth Mortgage LLC $975,000 $235,000 -75.9% 0.0%
FIRST SAVINGS MORTGAGE CORPORATION $270,000 $235,000 -13.0% 0.0%
UNITED MORTGAGE CORP. $235,000 n/a 0.0%
APEX HOME LOANS, INC. $305,000 $225,000 -26.2% 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $225,000 n/a 0.0%
INTELLILOAN, INC. $225,000 n/a 0.0%
Atlantic Home Loans, Inc. $215,000 n/a 0.0%
MCNB Bank and Trust Co. $215,000 n/a 0.0%
T2 FINANCIAL LLC $215,000 n/a 0.0%
Aurora Financial, LLC $670,000 $205,000 -69.4% 0.0%
Charles Schwab Bank, SSB $205,000 n/a 0.0%
EMM LOANS LLC $280,000 $205,000 -26.8% 0.0%
ISERVE RESIDENTIAL LENDING, LLC $205,000 n/a 0.0%
TIAA, FSB $190,000 $205,000 7.9% 0.0%
Triumph Bank $195,000 $205,000 5.1% 0.0%
NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION $155,000 $195,000 25.8% 0.0%
The Freedom Bank of Virginia $155,000 $195,000 25.8% 0.0%
BELEM SERVICING LLC $185,000 n/a 0.0%
Independent Bank $185,000 n/a 0.0%
North American Savings Bank, F.S.B. $2,040,000 $185,000 -90.9% 0.0%
Credence Funding Corporation $175,000 n/a 0.0%
Hometown Lenders, Inc. $175,000 n/a 0.0%
RANLIFE, INC. $375,000 $175,000 -53.3% 0.0%
Capital Bank $165,000 n/a 0.0%
BLUE EAGLE CREDIT UNION $670,000 $160,000 -76.1% 0.0%
Bank of Botetourt $155,000 n/a 0.0%
Bank of the James $500,000 $155,000 -69.0% 0.0%
CBM Mortgage, Inc. $155,000 n/a 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $875,000 $155,000 -82.3% 0.0%
KELLER MORTGAGE, LLC $285,000 $155,000 -45.6% 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $500,000 $155,000 -69.0% 0.0%
STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED $155,000 n/a 0.0%
ValleyStar Credit Union $155,000 n/a 0.0%
TOWER $250,000 $150,000 -40.0% 0.0%
Deere Employees Credit Union $145,000 n/a 0.0%
LAFAYETTE FEDERAL CREDIT UNION $145,000 n/a 0.0%
Metro City Bank $135,000 n/a 0.0%
Mid-Continent Funding, Inc. $225,000 $135,000 -40.0% 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $135,000 n/a 0.0%
NexBank $135,000 $135,000 0.0% 0.0%
State Department Federal Credit Union $135,000 n/a 0.0%
Arvest Bank $1,030,000 $125,000 -87.9% 0.0%
EVERETT FINANCIAL, INC. $125,000 n/a 0.0%
Shamrock Home Loans, Inc. $125,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $115,000 n/a 0.0%
MASON MCDUFFIE MORTGAGE CORPORATION $115,000 n/a 0.0%
MICHIGAN MUTUAL, INC. $175,000 $115,000 -34.3% 0.0%
HANSCOM $110,000 n/a 0.0%
GUARANTEED RATE AFFINITY, LLC $105,000 n/a 0.0%
UBS Bank USA $890,000 $105,000 -88.2% 0.0%
ALL REVERSE MORTGAGE, INC. $95,000 n/a 0.0%
Apple Federal Credit Union $95,000 n/a 0.0%
First Internet Bank of Indiana $195,000 $85,000 -56.4% 0.0%
Sierra Pacific Mortgage Company, Inc. $85,000 n/a 0.0%
Bethpage Federal Credit Union $75,000 n/a 0.0%
C & F Mortgage Corporation $1,390,000 $75,000 -94.6% 0.0%
MIDLAND MORTGAGE CORPORATION $75,000 n/a 0.0%
Salem VA Credit Union $75,000 n/a 0.0%
LOCAL GOVERNMENT FEDERAL CREDIT UNION $65,000 n/a 0.0%
SPRING EQ, LLC $35,000 $55,000 57.1% 0.0%
Figure Lending LLC $95,000 $45,000 -52.6% 0.0%
NEXTMARK $35,000 n/a 0.0%

BLACKSBURG - CHRISTIANSBURG's top lender by overall market share is QUICKEN LOANS, LLC, with 6.7% market share. In second place, with 6.3%, is NATIONAL BANKSHARES, INC., having originated $80,225,000 in loans. In third place, with 6.1%, is Alcova Mortgage LLC, having originated $77,765,000 in loans. In third place, with 5.9%, is WALKER & DUNLOP, LLC, having originated $75,985,000 in loans. In third place, with 4.8%, is ATLANTIC BAY MORTGAGE GROUP, L.L.C., having originated $61,315,000 in loans.


BLACKSBURG-CHRISTIANSBURG, VA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 2,212 $579,750,000 $262,093
Refi 2,052 $513,140,000 $250,068
Cash Out Refi 724 $149,950,000 $207,113
Other 202 $22,160,000 $109,703
Home Improvement 164 $13,910,000 $84,817

Blacksburg - Christiansburg's most frequently cited loan purpose was Home Purchase, with 2,212 originations. The 2nd most popular reason was Refi, with 2,052 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 2,003 $483,545,000 $241,410
3-4% 1,762 $381,270,000 $216,385
<2.5% 906 $279,700,000 $308,720
4-5% 210 $29,130,000 $138,714
Over 8% 54 $4,530,000 $83,889
5-6% 43 $3,835,000 $89,186
6-7% 18 $1,500,000 $83,333
7-8% 5 $355,000 $71,000

During 2021, Blacksburg - Christiansburg's most frequently originated rate bucket was 2.5-3%, with 2,003 originations.

Loan Sizing (BLACKSBURG-CHRISTIANSBURG, VA MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 2,170 $323,410,000 $149,037
$200k-400k 1,987 $539,685,000 $271,608
$100,000 or less 797 $49,875,000 $62,578
$400k-600k 349 $165,195,000 $473,338
$600k-1000k 29 $20,375,000 $702,586
$Over $1MM 22 $180,370,000 $8,198,636

BLACKSBURG - CHRISTIANSBURG's loan sizing saw the bucket of loans from $100k-200k with 2,170 originations, totaling $323,410,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,812 $427,340,000 $235,839
60-80% 1,743 $536,185,000 $307,622
40-60% 693 $126,855,000 $183,052
20-40% 313 $33,085,000 $105,703
Under 20% 204 $9,830,000 $48,186
Over 100% 71 $17,765,000 $250,211

BLACKSBURG - CHRISTIANSBURG's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,812 originations, totaling $427,340,000 in origination value.