BLACKSBURG - CHRISTIANSBURG Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Blacksburg - Christiansburg averaged 6.61% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

The average rate for the prior week (2025-03-27) was 7.02% and one month ago for the week of 2025-02-27, the average rate was 7.13%.

Blacksburg - Christiansburg's average rate one year ago was 6.76%.

For refis of the same type during the week of 2025-04-03, the average rate was 7.86%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-04-03 6.64%
Blacksburg - Christiansburg 30 Year Fixed Rate 2025-04-03 6.61%
Blacksburg - Christiansburg 30 Year Fixed Rate Refi 2025-04-03 7.86%
Blacksburg - Christiansburg 15 Year Fixed Rate 2025-04-03 5.82%
Blacksburg - Christiansburg 15 Year Fixed Rate Refi 2025-04-03 5.82%
Blacksburg - Christiansburg 30 Year FHA 2025-04-03 6.47%
Blacksburg - Christiansburg 30 Year FHA Refi 2025-04-03 6.46%
Blacksburg - Christiansburg 30 Year USDA 2025-04-03 6.37%
Blacksburg - Christiansburg 30 Year USDA Refi 2025-04-03 6.12%
Blacksburg - Christiansburg 30 Year VA 2025-04-03 6.41%
Blacksburg - Christiansburg 30 Year VA Refi 2025-04-03 6.06%
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 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.).

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
Alcova Mortgage LLC 91 6.76% $5,658
FREEDOM FIRST 76 6.82% $3,965
First Heritage Mortgage, LLC 74 6.73% $4,514
QUICKEN LOANS, LLC 70 6.60% $6,882
MOVEMENT MORTGAGE, LLC 67 6.77% $5,364
UNITED WHOLESALE MORTGAGE, LLC 49 6.78% $5,948
Prosperity Home Mortgage, LLC 47 6.91% $5,887
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 45 7.04% $5,819
Waterstone Mortgage Corporation 36 6.89% $6,957
Renasant Bank 25 6.99% $5,167
FIRST BANCORP 19 7.61% $3,502
Atlantic Union Bank 19 6.65% $4,847
CMG MORTGAGE, INC. 18 7.18% $7,156
NAVY FEDERAL CREDIT UNION 13 6.44% $4,404
Celco Community Federal Credit Union 12 8.00% $1,746
Wells Fargo Bank 11 6.95% $4,473
First Reliance Bank 10 7.11% $4,896
Truist 10 6.90% $4,443
Truliant Federal Credit Union 8 6.89% $3,281
UNION HOME MORTGAGE CORP. 7 7.12% $4,987
Mr. Cooper ( Nationstar Mortgage ) 6 6.66% $9,700
VANDERBILT MORTGAGE AND FINANCE, INC. 6 7.96% $8,873
JPMorgan Chase Bank 5 6.50% $4,391
The Federal Savings Bank 5 6.68% $4,044
NBKC BANK 5 6.85% $2,975
Towne First Mortgage, LLC 5 7.40% $8,728
CAPITAL CENTER, L.L.C. 4 6.88% $2,823
LOANDEPOT.COM, LLC 4 6.78% $8,925
ROYAL UNITED MORTGAGE LLC 3 7.63% $7,857
First-Citizens Bank & Trust Company 3 6.46% $5,085
USAA Federal Savings Bank 3 6.83% $4,753
Atlantic Coast Mortgage, LLC 3 6.71% $6,218
SWBC MORTGAGE CORPORATION 3 6.92% $5,612
GUILD MORTGAGE COMPANY 3 7.04% $5,481
PENNYMAC LOAN SERVICES, LLC 3 6.79% $6,631
EMBRACE HOME LOANS, INC. 3 6.92% $4,689
MUTUAL OF OMAHA MORTGAGE, INC. 2 7.31% $3,678
Ally Bank 2 6.38% $3,393
AMERISAVE MORTGAGE CORPORATION 2 7.00% $6,798
CARDINAL FINANCIAL 2 6.63% $7,719
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.56% $4,958
First Community Bank 2 8.25% $3,511
General Mortgage Capital Corporation 2 6.56% $3,954
IVY MORTGAGE, INC. 2 7.13% $2,558
21ST MORTGAGE CORPORATION 2 8.38% $5,641
PENTAGON FEDERAL CREDIT UNION 2 7.00% $8,131
PHH Mortgage Corporation 2 6.93% $5,555
Pinnacle Bank 2 6.75% $5,350
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 6.44% $11,489
SOUTHERN TRUST MORTGAGE, LLC 2 6.63% $5,349
STATE EMPLOYEES' 2 6.89% $4,652
TD Bank 2 6.44% $7,666
Integrity Home Mortgage Corp 1 7.38% $3,501
INTERCOASTAL MORTGAGE COMPANY 1 5.99% $3,729
Arvest Bank 1 6.75% $4,294
Fifth Third Bank 1 6.88% $6,517
Keystone Funding, Inc. 1 6.50% $9,144
Lakeview Community Capital, LLC 1 6.50% $7,235
Leader Bank 1 7.38% $4,527
LENOX FINANCIAL MORTGAGE CORPORATION 1 7.12% $6,470
Farmers Bank & Trust 1 5.49% $7,218
MEMBER ADVANTAGE MORTGAGE, LLC 1 7.88% $3,873
MILEND, INC. 1 6.50% $5,890
Morgan Stanley Private Bank 1 6.53% $3,986
MORIA DEVELOPMENT, INC. 1 6.38% $4,013
Mortgage Research Center, LLC 1 7.13% $6,200
Farm Credit of the Virginias, ACA 1 12.15% $689
EASTMAN 1 7.50% $3,888
AmeriHome Mortgage Company, LLC 1 7.63% $3,440
CNB Bank 1 6.38% $4,097
Citibank 1 6.00% $5,416
NEWREZ LLC 1 5.99% $5,524
NFM, INC. 1 7.13% $4,036
NP, Inc. 1 6.87% $17,813
Old National Bank 1 6.13% $4,376
Orion Federal Credit Union 1 5.63% $4,794
Carrington Mortgage Services, LLC 1 9.88% $7,478
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 6.99% $13,484
AMERICAN INTERNET MORTGAGE, INC. 1 5.75% $9,442
U.S. Bank 1 7.13% $5,385
PNC Bank 1 6.63% $5,161
Uwharrie Bank 1 7.63% $8,648
Calvin B. Taylor Banking Company of Berlin, Maryland 1 6.75% $3,729
PROVIDENT FUNDING ASSOCIATES, L.P. 1 6.38% $4,773
Call Federal Credit Union 1 6.00% $21,873
RELIANCE FIRST CAPITAL, LLC 1 7.13% $6,755
BETTER MORTGAGE CORPORATION 1 6.63% $3,270
Bell Bank 1 6.63% $5,260
AMERICAN FINANCIAL RESOURCES, INC. 1 7.63% $5,304
South State Bank 1 6.63% $4,423
State Department Federal Credit Union 1 5.63% $4,589
AgFirst Farm Credit Bank 1 8.00% $3,903
Strong Home Mortgage, LLC 1 6.99% $1,928
Sunflower Bank 1 7.13% $6,977
Baxter Credit Union 1 6.75% $6,104
Advance Financial Group, LLC 1 7.13% $9,133
Barrington Bank & Trust Company, N.A. 1 6.99% $7,039
The Northern Trust Company 1 6.75% $4,382
TOWER 1 6.25% $5,026
Bank of Hope 1 7.00% $4,090
First National Bank of Pennsylvania 1 6.75% $5,414
First Federal Bank 1 7.13% $4,317
FirstBank 1 6.75% $3,236
FREEDOM MORTGAGE CORPORATION 1 6.50% $9,405
Bank of America 1 6.38% $6,248
GUARANTEED RATE, INC. 1 7.10% $4,229
GUIDANCE RESIDENTIAL, LLC 1 7.00% $7,126
First Bank 1 5.99% $5,537
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.88% $3,807
HOMESIDE FINANCIAL, LLC 1 6.99% $6,753

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 Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - BLACKSBURG - CHRISTIANSBURG (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 $233,188 (39.5%) $350,419 (52.0%) 0.86 455
2018-02-01 $225,000 (24.3%) $282,367 (17.5%) 0.82 471
2018-03-01 $225,000 (18.5%) $286,391 (14.5%) 0.79 507
2018-04-01 $229,900 (15.0%) $292,971 (11.2%) 0.78 508
2018-05-01 $229,200 (7.9%) $287,440 (8.4%) 0.77 571
2018-06-01 $224,900 (5.0%) $289,822 (6.1%) 0.75 598
2018-07-01 $214,900 (4.9%) $283,181 (4.8%) 0.72 639
2018-08-01 $218,900 (4.5%) $289,064 (6.1%) 0.73 637
2018-09-01 $219,450 (2.1%) $288,063 (6.1%) 0.74 618
2018-10-01 $218,900 (1.5%) $281,813 (2.6%) 0.74 597
2018-11-01 $225,000 (2.1%) $294,468 (4.7%) 0.76 556
2018-12-01 $225,000 (-2.1%) $303,421 (2.5%) 0.78 503
2019-01-01 $220,000 (-5.7%) $310,792 (-11.3%) 0.76 461
2019-02-01 $233,938 (4.0%) $322,649 (14.3%) 0.79 443
2019-03-01 $238,429 (6.0%) $324,766 (13.4%) 0.78 450
2019-04-01 $243,741 (6.0%) $329,475 (12.5%) 0.77 462
2019-05-01 $243,250 (6.1%) $327,345 (13.9%) 0.76 494
2019-06-01 $249,000 (10.7%) $337,457 (16.4%) 0.78 487
2019-07-01 $259,000 (20.5%) $354,863 (25.3%) 0.81 490
2019-08-01 $253,136 (15.6%) $351,325 (21.5%) 0.80 482
2019-09-01 $244,341 (11.3%) $346,471 (20.3%) 0.78 470
2019-10-01 $237,625 (8.6%) $339,794 (20.6%) 0.77 454
2019-11-01 $234,950 (4.4%) $334,151 (13.5%) 0.77 426
2019-12-01 $229,375 (1.9%) $340,188 (12.1%) 0.76 380
2020-01-01 $225,000 (2.3%) $337,362 (8.6%) 0.75 364
2020-02-01 $225,000 (-3.8%) $339,460 (5.2%) 0.74 358
2020-03-01 $239,438 (0.4%) $331,778 (2.2%) 0.75 371
2020-04-01 $239,950 (-1.6%) $334,399 (1.5%) 0.75 367
2020-05-01 $259,000 (6.5%) $362,662 (10.8%) 0.79 314
2020-06-01 $275,000 (10.4%) $375,578 (11.3%) 0.81 324
2020-07-01 $277,450 (7.1%) $385,168 (8.5%) 0.80 299
2020-08-01 $275,000 (8.6%) $377,310 (7.4%) 0.79 285
2020-09-01 $249,813 (2.2%) $377,918 (9.1%) 0.72 273
2020-10-01 $249,250 (4.9%) $368,056 (8.3%) 0.71 267
2020-11-01 $242,388 (3.2%) $362,214 (8.4%) 0.71 262
2020-12-01 $239,450 (4.4%) $359,809 (5.8%) 0.71 230
2021-01-01 $244,750 (8.8%) $370,914 (10.0%) 0.73 190
2021-02-01 $258,688 (15.0%) $390,466 (15.0%) 0.75 171
2021-03-01 $275,750 (15.2%) $403,392 (21.6%) 0.78 154
2021-04-01 $304,475 (26.9%) $448,805 (34.2%) 0.82 163
2021-05-01 $319,000 (23.2%) $433,078 (19.4%) 0.85 177
2021-06-01 $307,425 (11.8%) $420,391 (11.9%) 0.81 216
2021-07-01 $299,500 (8.0%) $430,503 (11.8%) 0.79 239
2021-08-01 $289,925 (5.4%) $411,399 (9.0%) 0.77 235
2021-09-01 $289,450 (15.9%) $404,243 (7.0%) 0.77 246
2021-10-01 $279,000 (11.9%) $388,682 (5.6%) 0.74 218
2021-11-01 $269,900 (11.4%) $392,908 (8.5%) 0.72 179
2021-12-01 $267,450 (11.7%) $401,554 (11.6%) 0.72 163
2022-01-01 $285,000 (16.5%) $436,039 (17.6%) 0.77 138
2022-02-01 $296,150 (14.5%) $425,459 (9.0%) 0.77 153
2022-03-01 $319,000 (15.7%) $452,952 (12.3%) 0.80 143
2022-04-01 $325,000 (6.7%) $455,255 (1.4%) 0.77 178
2022-05-01 $349,900 (9.7%) $457,718 (5.7%) 0.80 220
2022-06-01 $351,750 (14.4%) $460,094 (9.4%) 0.78 267
2022-07-01 $359,450 (20.0%) $447,230 (3.9%) 0.81 285
2022-08-01 $334,725 (15.5%) $441,523 (7.3%) 0.77 270
2022-09-01 $302,250 (4.4%) $419,064 (3.7%) 0.71 259
2022-10-01 $327,450 (17.4%) $433,063 (11.4%) 0.77 258
2022-11-01 $325,000 (20.4%) $447,195 (13.8%) 0.78 241
2022-12-01 $325,000 (21.5%) $461,687 (15.0%) 0.80 207
2023-01-01 $346,350 (21.5%) $468,230 (7.4%) 0.86 180
2023-02-01 $345,725 (16.7%) $466,352 (9.6%) 0.83 193
2023-03-01 $349,000 (9.4%) $481,062 (6.2%) 0.82 202
2023-04-01 $364,950 (12.3%) $493,987 (8.5%) 0.85 203
2023-05-01 $398,425 (13.9%) $514,531 (12.4%) 0.90 207
2023-06-01 $373,088 (6.1%) $503,903 (9.5%) 0.84 221
2023-07-01 $389,000 (8.2%) $493,170 (10.3%) 0.88 218
2023-08-01 $382,000 (14.1%) $496,775 (12.5%) 0.88 226
2023-09-01 $357,000 (18.1%) $485,985 (16.0%) 0.83 230
2023-10-01 $351,250 (7.3%) $471,646 (8.9%) 0.83 249
2023-11-01 $359,725 (10.7%) $476,817 (6.6%) 0.86 251
2023-12-01 $362,475 (11.5%) $476,694 (3.3%) 0.88 242
2024-01-01 $364,988 (5.4%) $463,075 (-1.1%) 0.89 224
2024-02-01 $367,450 (6.3%) $463,301 (-0.7%) 0.88 206
2024-03-01 $370,882 (6.3%) $481,822 (0.2%) 0.87 230
2024-04-01 $383,727 (5.2%) $499,224 (1.1%) 0.89 242
2024-05-01 $412,500 (3.5%) $503,475 (-2.2%) 0.94 263
2024-06-01 $399,000 (7.0%) $492,920 (-2.2%) 0.91 281
2024-07-01 $390,677 (0.4%) $484,465 (-1.8%) 0.89 313
2024-08-01 $375,039 (-1.8%) $473,830 (-4.6%) 0.87 329
2024-09-01 $373,770 (4.7%) $471,033 (-3.1%) 0.88 341
2024-10-01 $354,900 (1.0%) $447,243 (-5.2%) 0.84 347
2024-11-01 $364,900 (1.4%) $470,559 (-1.3%) 0.88 314
2024-12-01 $320,750 (-11.5%) $448,112 (-6.0%) 0.80 290
2025-01-01 $338,675 (-7.2%) $462,366 (-0.2%) 0.85 259
2025-02-01 $377,151 (2.6%) $488,809 (5.5%) 0.92 226
2025-03-01 $372,450 (0.4%) $488,245 (1.3%) 0.00 257
BLACKSBURG - CHRISTIANSBURG's median listing price for 2025-03-01 was $372,450, a difference of $1,568 (0.4%) versus the prior year and $-4,701 versus the prior month.

BLACKSBURG - CHRISTIANSBURG's median listing price comes in at 0% of the national average.

BLACKSBURG - CHRISTIANSBURG's average listing price for 2025-03-01 was $488,245, a difference of $6,423 (1.3%) versus the prior year and $-564 versus the prior month.

For the 2025-03-01 period, BLACKSBURG - CHRISTIANSBURG had 257 MLS listings, a difference of 31 listings (14%) versus the prior month and 27 listings (12%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - BLACKSBURG - CHRISTIANSBURG (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 95 days 1,918 sqft
2018-02-01 89 days 1,871 sqft
2018-03-01 61 days 1,854 sqft
2018-04-01 59 days 1,917 sqft
2018-05-01 50 days 1,884 sqft
2018-06-01 52 days 1,865 sqft
2018-07-01 64 days 1,831 sqft
2018-08-01 66 days 1,866 sqft
2018-09-01 82 days 1,857 sqft
2018-10-01 91 days 1,853 sqft
2018-11-01 101 days 1,861 sqft
2018-12-01 106 days 1,850 sqft
2019-01-01 105 days 1,852 sqft
2019-02-01 102 days 1,876 sqft
2019-03-01 73 days 1,879 sqft
2019-04-01 48 days 1,925 sqft
2019-05-01 46 days 1,913 sqft
2019-06-01 57 days 1,949 sqft
2019-07-01 67 days 1,979 sqft
2019-08-01 71 days 1,965 sqft
2019-09-01 75 days 1,940 sqft
2019-10-01 82 days 1,919 sqft
2019-11-01 90 days 1,858 sqft
2019-12-01 102 days 1,799 sqft
2020-01-01 97 days 1,752 sqft
2020-02-01 93 days 1,749 sqft
2020-03-01 71 days 1,825 sqft
2020-04-01 67 days 1,866 sqft
2020-05-01 83 days 1,893 sqft
2020-06-01 74 days 1,997 sqft
2020-07-01 60 days 2,020 sqft
2020-08-01 70 days 2,025 sqft
2020-09-01 62 days 1,951 sqft
2020-10-01 65 days 1,850 sqft
2020-11-01 64 days 1,849 sqft
2020-12-01 69 days 1,758 sqft
2021-01-01 81 days 1,745 sqft
2021-02-01 86 days 1,896 sqft
2021-03-01 54 days 2,044 sqft
2021-04-01 39 days 2,099 sqft
2021-05-01 40 days 1,920 sqft
2021-06-01 44 days 1,956 sqft
2021-07-01 49 days 2,005 sqft
2021-08-01 52 days 1,840 sqft
2021-09-01 54 days 1,838 sqft
2021-10-01 64 days 1,772 sqft
2021-11-01 79 days 1,740 sqft
2021-12-01 88 days 1,735 sqft
2022-01-01 72 days 1,749 sqft
2022-02-01 46 days 1,718 sqft
2022-03-01 41 days 1,871 sqft
2022-04-01 38 days 1,880 sqft
2022-05-01 35 days 1,986 sqft
2022-06-01 34 days 2,032 sqft
2022-07-01 45 days 2,020 sqft
2022-08-01 49 days 1,976 sqft
2022-09-01 53 days 1,913 sqft
2022-10-01 57 days 1,933 sqft
2022-11-01 55 days 1,946 sqft
2022-12-01 66 days 1,917 sqft
2023-01-01 70 days 1,999 sqft
2023-02-01 44 days 1,984 sqft
2023-03-01 45 days 1,955 sqft
2023-04-01 46 days 1,968 sqft
2023-05-01 45 days 2,016 sqft
2023-06-01 45 days 2,028 sqft
2023-07-01 46 days 2,158 sqft
2023-08-01 44 days 2,102 sqft
2023-09-01 44 days 2,023 sqft
2023-10-01 46 days 1,923 sqft
2023-11-01 45 days 1,917 sqft
2023-12-01 51 days 1,927 sqft
2024-01-01 62 days 1,902 sqft
2024-02-01 60 days 1,937 sqft
2024-03-01 44 days 1,921 sqft
2024-04-01 43 days 2,015 sqft
2024-05-01 44 days 2,122 sqft
2024-06-01 47 days 2,037 sqft
2024-07-01 50 days 2,024 sqft
2024-08-01 54 days 2,023 sqft
2024-09-01 62 days 2,014 sqft
2024-10-01 65 days 1,968 sqft
2024-11-01 71 days 1,969 sqft
2024-12-01 68 days 1,836 sqft
2025-01-01 74 days 1,877 sqft
2025-02-01 78 days 1,979 sqft
2025-03-01 0 days 1,926 sqft
BLACKSBURG - CHRISTIANSBURG's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

BLACKSBURG - CHRISTIANSBURG's median square footage for active listings during the 2025-03-01 period was 1,926 sqft. One year prior, the average listing was 1,921 sqft.

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.