CHARLOTTESVILLE Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Charlottesville averaged
6.94%
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
6.85% and
one month ago for the week of 2025-02-27, the
average rate was 6.86%.
Charlottesville's average rate one year ago was 7.09%.
For refis of the same type during the week of 2025-04-03, the average rate
was 6.84%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| Charlottesville 30 Year Fixed Rate | 2025-04-03 | 6.94% |
| Charlottesville 30 Year Fixed Rate Refi | 2025-04-03 | 6.84% |
| Charlottesville 15 Year Fixed Rate | 2025-04-03 | 6.14% |
| Charlottesville 15 Year Fixed Rate Refi | 2025-04-03 | 5.92% |
| Charlottesville 30 Year FHA | 2025-04-03 | 6.4% |
| Charlottesville 30 Year FHA Refi | 2025-04-03 | 6.26% |
| Charlottesville 30 Year USDA | 2025-04-03 | 6.42% |
| Charlottesville 30 Year USDA Refi | 2025-04-03 | 6.32% |
| Charlottesville 30 Year VA | 2025-04-03 | 5.97% |
| Charlottesville 30 Year VA Refi | 2025-04-03 | 5.66% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within CHARLOTTESVILLE, VA.
CHARLOTTESVILLE 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 CHARLOTTESVILLE, 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.).
CHARLOTTESVILLE Average Closing Costs & Other Stats
CHARLOTTESVILLE, VA's 183 lenders originated 4,281
loans during 2024. The total origination value was $1,528,335,000, with an average loan value of
$357,004.
CHARLOTTESVILLE's average closing costs are $5,554.
The top CHARLOTTESVILLE lender as defined by loan originations is First Heritage Mortgage, LLC, with
156 loans originated. Their average total fees are
$5,804, which is $1,217
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee CHARLOTTESVILLE lenders (with over 10 loans originated) are
CAPITAL CENTER, L.L.C. ($1,899), Farm Credit of the Virginias, ACA ($1,953), United Bank ($4,620), Atlantic Union Bank ($4,719) and INTERCOASTAL MORTGAGE COMPANY ($4,995).
The lowest rate CHARLOTTESVILLE lenders (with over 10 loans originated) are
Bank of America (6.28%), NAVY FEDERAL CREDIT UNION (6.47%), Wells Fargo Bank (6.51%), Atlantic Coast Mortgage, LLC (6.53%) and Virginia Credit Union, Inc. (6.54%).
CHARLOTTESVILLE, 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 |
|---|---|---|---|---|
| Fulton Bank | $110,695,000 | $102,195,000 | -7.7% | 6.7% |
| First Heritage Mortgage, LLC | $81,730,000 | $83,505,000 | 2.2% | 5.5% |
| UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION,INC. | $29,315,000 | $83,055,000 | 183.3% | 5.4% |
| QUICKEN LOANS, LLC | $48,685,000 | $75,195,000 | 54.5% | 4.9% |
| Virginia Credit Union, Inc. | $16,360,000 | $64,055,000 | 291.5% | 4.2% |
| United Bank | $3,185,000 | $58,270,000 | 1,729.5% | 3.8% |
| UNITED WHOLESALE MORTGAGE, LLC | $59,300,000 | $57,710,000 | -2.7% | 3.8% |
| Truist | $48,605,000 | $39,160,000 | -19.4% | 2.6% |
| Bank of America | $36,295,000 | $36,505,000 | 0.6% | 2.4% |
| Atlantic Coast Mortgage, LLC | $43,655,000 | $34,170,000 | -21.7% | 2.2% |
| NFM, INC. | $35,035,000 | $32,260,000 | -7.9% | 2.1% |
| Ixonia Bank | $13,595,000 | $25,145,000 | 85.0% | 1.6% |
| CMG MORTGAGE, INC. | $5,185,000 | $24,945,000 | 381.1% | 1.6% |
| Atlantic Union Bank | $23,180,000 | $24,485,000 | 5.6% | 1.6% |
| Prosperity Home Mortgage, LLC | $26,635,000 | $23,605,000 | -11.4% | 1.5% |
| JPMorgan Chase Bank | $24,050,000 | $23,000,000 | -4.4% | 1.5% |
| NAVY FEDERAL CREDIT UNION | $27,890,000 | $22,580,000 | -19.0% | 1.5% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,910,000 | $20,050,000 | 949.7% | 1.3% |
| Towne First Mortgage, LLC | $18,090,000 | $19,700,000 | 8.9% | 1.3% |
| NVR Mortgage Finance, Inc. | $15,530,000 | $16,995,000 | 9.4% | 1.1% |
| First-Citizens Bank & Trust Company | $15,400,000 | $16,905,000 | 9.8% | 1.1% |
| FREEDOM MORTGAGE CORPORATION | $1,955,000 | $15,815,000 | 709.0% | 1.0% |
| GUILD MORTGAGE COMPANY | $6,400,000 | $14,895,000 | 132.7% | 1.0% |
| PENNYMAC LOAN SERVICES, LLC | $6,240,000 | $14,700,000 | 135.6% | 1.0% |
| Mortgage Research Center, LLC | $13,935,000 | $13,825,000 | -0.8% | 0.9% |
| CAPITAL CENTER, L.L.C. | $5,820,000 | $12,900,000 | 121.6% | 0.8% |
| Waterstone Mortgage Corporation | $9,935,000 | $12,880,000 | 29.6% | 0.8% |
| Carter Bank & Trust | $8,910,000 | $12,615,000 | 41.6% | 0.8% |
| MOVEMENT MORTGAGE, LLC | $13,310,000 | $12,295,000 | -7.6% | 0.8% |
| Wells Fargo Bank | $17,575,000 | $11,890,000 | -32.3% | 0.8% |
| Citizens and Farmers Bank | $13,435,000 | $10,365,000 | -22.9% | 0.7% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $42,905,000 | $10,265,000 | -76.1% | 0.7% |
| Citibank | $17,235,000 | $10,065,000 | -41.6% | 0.7% |
| UNION HOME MORTGAGE CORP. | $3,585,000 | $9,945,000 | 177.4% | 0.7% |
| Mr. Cooper ( Nationstar Mortgage ) | $2,595,000 | $9,365,000 | 260.9% | 0.6% |
| ROSS MORTGAGE CORPORATION | $6,560,000 | $9,090,000 | 38.6% | 0.6% |
| GUARANTEED RATE, INC. | $5,740,000 | $8,840,000 | 54.0% | 0.6% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | $5,745,000 | $8,570,000 | 49.2% | 0.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $3,780,000 | $8,535,000 | 125.8% | 0.6% |
| C & F Mortgage Corporation | $8,355,000 | $8,325,000 | -0.4% | 0.5% |
| Morgan Stanley Private Bank | $12,780,000 | $7,810,000 | -38.9% | 0.5% |
| PIONEER BANK | $3,535,000 | $7,300,000 | 106.5% | 0.5% |
| INTERCOASTAL MORTGAGE COMPANY | $10,290,000 | $7,275,000 | -29.3% | 0.5% |
| USAA Federal Savings Bank | $10,290,000 | $7,040,000 | -31.6% | 0.5% |
| UBS Bank USA | $1,050,000 | $6,925,000 | 559.5% | 0.5% |
| PNC Bank | $6,295,000 | $6,290,000 | -0.1% | 0.4% |
| EMBRACE HOME LOANS, INC. | $9,210,000 | $6,270,000 | -31.9% | 0.4% |
| GSF Mortgage Corporation | $3,665,000 | $6,095,000 | 66.3% | 0.4% |
| TD Bank | $3,895,000 | $6,015,000 | 54.4% | 0.4% |
| Towne Mortgage, LLC | $6,170,000 | $5,830,000 | -5.5% | 0.4% |
| FIRST BANCORP | $4,300,000 | $5,110,000 | 18.8% | 0.3% |
| NEWREZ LLC | $3,285,000 | $5,085,000 | 54.8% | 0.3% |
| Old National Bank | $5,050,000 | n/a | 0.3% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,575,000 | $4,850,000 | 88.3% | 0.3% |
| Charles Schwab Bank, SSB | $6,245,000 | $4,580,000 | -26.7% | 0.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $3,555,000 | $4,545,000 | 27.8% | 0.3% |
| LOANDEPOT.COM, LLC | $4,555,000 | $4,470,000 | -1.9% | 0.3% |
| PENTAGON FEDERAL CREDIT UNION | $9,155,000 | $4,220,000 | -53.9% | 0.3% |
| U.S. Bank | $9,110,000 | $4,205,000 | -53.8% | 0.3% |
| ALLIANT CREDIT UNION | $245,000 | $4,025,000 | 1,542.9% | 0.3% |
| Farm Credit of the Virginias, ACA | $3,150,000 | $3,970,000 | 26.0% | 0.3% |
| FIRST COLONY MORTGAGE CORPORATION | $790,000 | $3,960,000 | 401.3% | 0.3% |
| BROKER SOLUTIONS, INC. | $1,710,000 | $3,885,000 | 127.2% | 0.3% |
| Presidential Bank, FSB | $8,070,000 | $3,840,000 | -52.4% | 0.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $4,335,000 | $3,740,000 | -13.7% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $795,000 | $3,705,000 | 366.0% | 0.2% |
| Citizens Bank | $14,555,000 | $3,610,000 | -75.2% | 0.2% |
| The Loan Store, Inc. | $3,595,000 | n/a | 0.2% | |
| Alcova Mortgage LLC | $9,475,000 | $3,485,000 | -63.2% | 0.2% |
| First Bank | $500,000 | $3,460,000 | 592.0% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $855,000 | $3,435,000 | 301.8% | 0.2% |
| American Mortgage & Equity Consultants, Inc. | $1,005,000 | $3,425,000 | 240.8% | 0.2% |
| PLANET HOME LENDING, LLC | $560,000 | $3,390,000 | 505.4% | 0.2% |
| United Nations Federal Credit Union | $1,665,000 | $3,355,000 | 101.5% | 0.2% |
| FIRST SAVINGS MORTGAGE CORPORATION | $3,760,000 | $3,330,000 | -11.4% | 0.2% |
| Flagstar Bank, FSB | $1,280,000 | $3,245,000 | 153.5% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $845,000 | $3,165,000 | 274.6% | 0.2% |
| Barrington Bank & Trust Company, N.A. | $2,585,000 | $3,160,000 | 22.2% | 0.2% |
| First National Bank of Pennsylvania | $4,450,000 | $3,140,000 | -29.4% | 0.2% |
| Virginia National Bank | $1,345,000 | $3,070,000 | 128.3% | 0.2% |
| Integrity Home Mortgage Corp | $2,665,000 | $3,040,000 | 14.1% | 0.2% |
| Renasant Bank | $5,385,000 | $2,995,000 | -44.4% | 0.2% |
| DUPONT COMMUNITY | $5,220,000 | $2,700,000 | -48.3% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $2,255,000 | $2,685,000 | 19.1% | 0.2% |
| TOTAL MORTGAGE SERVICES, LLC | $2,665,000 | n/a | 0.2% | |
| Blue Ridge Bank | $12,800,000 | $2,605,000 | -79.6% | 0.2% |
| Fifth Third Bank | $2,570,000 | n/a | 0.2% | |
| Third Federal Savings and Loan Association of Cleveland | $2,130,000 | $2,570,000 | 20.7% | 0.2% |
| Stifel Bank and Trust | $1,145,000 | $2,550,000 | 122.7% | 0.2% |
| TOWER | $3,975,000 | $2,550,000 | -35.8% | 0.2% |
| NBKC BANK | $1,885,000 | $2,520,000 | 33.7% | 0.2% |
| M&T Bank | $640,000 | $2,515,000 | 293.0% | 0.2% |
| Figure Lending LLC | $1,670,000 | $2,410,000 | 44.3% | 0.2% |
| The Federal Savings Bank | $2,710,000 | $2,410,000 | -11.1% | 0.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $3,915,000 | $2,395,000 | -38.8% | 0.2% |
| Discover Bank | $2,005,000 | $2,285,000 | 14.0% | 0.1% |
| TIDEWATER MORTGAGE SERVICES, INC. | $375,000 | $2,285,000 | 509.3% | 0.1% |
| Raymond James Bank | $1,600,000 | $2,275,000 | 42.2% | 0.1% |
| Ameris Bank | $335,000 | $2,260,000 | 574.6% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $2,630,000 | $2,150,000 | -18.3% | 0.1% |
| Northpointe Bank | $1,835,000 | $2,100,000 | 14.4% | 0.1% |
| Strong Home Mortgage, LLC | $415,000 | $2,040,000 | 391.6% | 0.1% |
| The Huntington National Bank | $1,205,000 | $1,985,000 | 64.7% | 0.1% |
| The Freedom Bank of Virginia | $445,000 | $1,980,000 | 344.9% | 0.1% |
| The National Capital Bank of Washington | $1,965,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $645,000 | $1,935,000 | 200.0% | 0.1% |
| Ally Bank | $295,000 | $1,885,000 | 539.0% | 0.1% |
| Citadel Servicing Corporation | $175,000 | $1,875,000 | 971.4% | 0.1% |
| TJC Mortgage, Inc. | $1,825,000 | n/a | 0.1% | |
| HSBC BANK USA, NATIONAL ASSOCIATION | $1,725,000 | n/a | 0.1% | |
| JAMS-01, INC. | $760,000 | $1,720,000 | 126.3% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $205,000 | $1,630,000 | 695.1% | 0.1% |
| BETTER MORTGAGE CORPORATION | $2,865,000 | $1,625,000 | -43.3% | 0.1% |
| Lake Forest Bank & Trust | $1,615,000 | n/a | 0.1% | |
| Dollar Bank, Federal Savings Bank | $1,580,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $420,000 | $1,540,000 | 266.7% | 0.1% |
| SOUTHWEST STAGE FUNDING, LLC | $2,400,000 | $1,530,000 | -36.3% | 0.1% |
| EVERETT FINANCIAL, INC. | $185,000 | $1,490,000 | 705.4% | 0.1% |
| City National Bank of West Virginia | $1,720,000 | $1,370,000 | -20.3% | 0.1% |
| NEXERA HOLDING LLC | $1,365,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL NETWORK, INC. | $105,000 | $1,355,000 | 1,190.5% | 0.1% |
| Bank of the James | $4,800,000 | $1,355,000 | -71.8% | 0.1% |
| NEW DAY FINANCIAL, LLC | $1,505,000 | $1,340,000 | -11.0% | 0.1% |
| RUOFF MORTGAGE COMPANY, INC. | $95,000 | $1,310,000 | 1,278.9% | 0.1% |
| VILLAGE BANK MORTGAGE CORPORATION | $1,285,000 | n/a | 0.1% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,130,000 | $1,280,000 | 13.3% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $3,400,000 | $1,270,000 | -62.6% | 0.1% |
| PARK VIEW FEDERAL CREDIT UNION | $1,250,000 | n/a | 0.1% | |
| City Lending Inc. | $1,240,000 | n/a | 0.1% | |
| First Federal Bank | $1,005,000 | $1,230,000 | 22.4% | 0.1% |
| First National Bank | $45,000 | $1,225,000 | 2,622.2% | 0.1% |
| Sandy Spring Bank | $1,205,000 | $1,225,000 | 1.7% | 0.1% |
| F & M BANK CORP. | $3,200,000 | $1,220,000 | -61.9% | 0.1% |
| LOANPAL, LLC | $285,000 | $1,215,000 | 326.3% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $1,925,000 | $1,155,000 | -40.0% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $1,140,000 | n/a | 0.1% | |
| CARDINAL FINANCIAL | $1,840,000 | $1,105,000 | -39.9% | 0.1% |
| Meridian Bank Corporation | $425,000 | $1,050,000 | 147.1% | 0.1% |
| FREEDOM FIRST | $1,040,000 | $1,045,000 | 0.5% | 0.1% |
| SPRING EQ, LLC | $1,045,000 | n/a | 0.1% | |
| CALCON MUTUAL MORTGAGE LLC | $650,000 | $1,030,000 | 58.5% | 0.1% |
| MORIA DEVELOPMENT, INC. | $435,000 | $1,025,000 | 135.6% | 0.1% |
| NEW WAVE LENDING GROUP INC | $265,000 | $1,025,000 | 286.8% | 0.1% |
| PHH Mortgage Corporation | $265,000 | $1,020,000 | 284.9% | 0.1% |
| Cornerstone First Mortgage, Inc | $645,000 | $980,000 | 51.9% | 0.1% |
| North American Savings Bank, F.S.B. | $925,000 | n/a | 0.1% | |
| LENDSURE MORTGAGE CORP. | $920,000 | n/a | 0.1% | |
| BAY EQUITY LLC | $1,245,000 | $905,000 | -27.3% | 0.1% |
| Burke & Herbert Bank & Trust Company | $235,000 | $905,000 | 285.1% | 0.1% |
| STATE EMPLOYEES' | $1,995,000 | $900,000 | -54.9% | 0.1% |
| Commerce Bank | $895,000 | n/a | 0.1% | |
| Chesapeake Bank | $790,000 | $875,000 | 10.8% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $4,365,000 | $835,000 | -80.9% | 0.1% |
| AmeriHome Mortgage Company, LLC | $830,000 | n/a | 0.1% | |
| Lakeview Community Capital, LLC | $745,000 | $830,000 | 11.4% | 0.1% |
| Watermark Capital, Inc. | $435,000 | $830,000 | 90.8% | 0.1% |
| Coastal Community Bank | $225,000 | $785,000 | 248.9% | 0.1% |
| ZILLOW HOME LOANS, LLC | $415,000 | $785,000 | 89.2% | 0.1% |
| ALLIED MORTGAGE GROUP, INC. | $525,000 | $780,000 | 48.6% | 0.1% |
| NATION ONE MORTGAGE CORPORATION | $155,000 | $775,000 | 400.0% | 0.1% |
| AMERICAN INTERNET MORTGAGE, INC. | $765,000 | n/a | 0.1% | |
| BANKSOUTH MORTGAGE COMPANY, LLC | $710,000 | n/a | 0.0% | |
| Plains Commerce Bank | $675,000 | $710,000 | 5.2% | 0.0% |
| Select Bank | $195,000 | $705,000 | 261.5% | 0.0% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | $485,000 | $705,000 | 45.4% | 0.0% |
| MORTGAGE ACCESS CORP. | $700,000 | n/a | 0.0% | |
| Academy Bank | $695,000 | n/a | 0.0% | |
| Apple Federal Credit Union | $1,640,000 | $695,000 | -57.6% | 0.0% |
| HOMESTEAD FUNDING CORP. | $690,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $680,000 | n/a | 0.0% | |
| RELIANCE FIRST CAPITAL, LLC | $545,000 | $680,000 | 24.8% | 0.0% |
| Loan Simple, Inc. | $670,000 | n/a | 0.0% | |
| AgFirst Farm Credit Bank | $340,000 | $660,000 | 94.1% | 0.0% |
| Northwest Federal Credit Union | $495,000 | $660,000 | 33.3% | 0.0% |
| Beeline Loans, Inc. | $125,000 | $655,000 | 424.0% | 0.0% |
| NATIONAL BANKSHARES, INC. | $730,000 | $650,000 | -11.0% | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | $645,000 | n/a | 0.0% | |
| NEWPORT NEWS SHIPBUILDING EMPLOYEES | $645,000 | n/a | 0.0% | |
| FIDELITY DIRECT MORTGAGE, LLC | $620,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $815,000 | $615,000 | -24.5% | 0.0% |
| BancorpSouth | $395,000 | $610,000 | 54.4% | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $355,000 | $595,000 | 67.6% | 0.0% |
| ARGENT | $65,000 | $595,000 | 815.4% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $790,000 | $575,000 | -27.2% | 0.0% |
| East Coast Capital Corp. | $575,000 | n/a | 0.0% | |
| Shore United Bank | $2,260,000 | $575,000 | -74.6% | 0.0% |
| Bethpage Federal Credit Union | $155,000 | $570,000 | 267.7% | 0.0% |
| DAS Acquisition Company, LLC | $565,000 | n/a | 0.0% | |
| CNB Bank | $560,000 | n/a | 0.0% | |
| BMO Harris Bank | $1,005,000 | $555,000 | -44.8% | 0.0% |
| First National Bank of America | $630,000 | $550,000 | -12.7% | 0.0% |
| Mid-Continent Funding, Inc. | $1,115,000 | $545,000 | -51.1% | 0.0% |
| PLAZA HOME MORTGAGE, INC. | $825,000 | $540,000 | -34.5% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $280,000 | $540,000 | 92.9% | 0.0% |
| FBC MORTGAGE, LLC | $525,000 | n/a | 0.0% | |
| The Farmers Bank of Appomattox | $350,000 | $520,000 | 48.6% | 0.0% |
| RBC Bank, (Georgia) | $515,000 | n/a | 0.0% | |
| South State Bank | $510,000 | n/a | 0.0% | |
| NEXTMARK | $195,000 | $505,000 | 159.0% | 0.0% |
| LANGLEY | $855,000 | $480,000 | -43.9% | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | $495,000 | $460,000 | -7.1% | 0.0% |
| Farmers Bank & Trust | $455,000 | n/a | 0.0% | |
| GEORGIA'S OWN | $455,000 | n/a | 0.0% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $455,000 | n/a | 0.0% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $45,000 | $445,000 | 888.9% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $415,000 | n/a | 0.0% | |
| SeaTrust Mortgage Company | $415,000 | n/a | 0.0% | |
| WesBanco | $1,790,000 | $415,000 | -76.8% | 0.0% |
| COASTAL Federal Credit Union | $405,000 | n/a | 0.0% | |
| FIRST HOME MORTGAGE CORPORATION | $1,005,000 | $390,000 | -61.2% | 0.0% |
| LENDINGONE, LLC | $385,000 | n/a | 0.0% | |
| Mortgage Assurance Inc. | $385,000 | n/a | 0.0% | |
| NexBank | $840,000 | $385,000 | -54.2% | 0.0% |
| Pinnacle Bank | $205,000 | $385,000 | 87.8% | 0.0% |
| Princeton Mortgage Corporation | $395,000 | $385,000 | -2.5% | 0.0% |
| V.I.P. MORTGAGE, INC. | $385,000 | n/a | 0.0% | |
| BM Real Estate Services, Inc. | $375,000 | n/a | 0.0% | |
| Logan Finance Corporation | $115,000 | $375,000 | 226.1% | 0.0% |
| ABNB Federal Credit Union | $365,000 | n/a | 0.0% | |
| ARC HOME LLC | $365,000 | n/a | 0.0% | |
| Keystone Funding, Inc. | $365,000 | n/a | 0.0% | |
| OceanFirst Bank | $355,000 | n/a | 0.0% | |
| Peoples Bank | $285,000 | $355,000 | 24.6% | 0.0% |
| USAlliance Federal Credit Union | $220,000 | $355,000 | 61.4% | 0.0% |
| American Airlines Federal Credit Union | $350,000 | n/a | 0.0% | |
| ANDREWS FEDERAL CREDIT UNION | $345,000 | n/a | 0.0% | |
| The Bank of Charlotte County | $105,000 | $345,000 | 228.6% | 0.0% |
| Colonial Farm Credit, ACA | $1,170,000 | $340,000 | -70.9% | 0.0% |
| Notre Dame Federal Credit Union Corporation | $325,000 | n/a | 0.0% | |
| Ukrainian Selfreliance Federal Credit Union | $325,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $280,000 | $320,000 | 14.3% | 0.0% |
| Arvest Bank | $205,000 | $315,000 | 53.7% | 0.0% |
| CHARTWAY FEDERAL CREDIT UNION | $315,000 | n/a | 0.0% | |
| GEO-CORP, INC. | $315,000 | n/a | 0.0% | |
| The Dart Bank | $315,000 | n/a | 0.0% | |
| Tidewater Home Funding, LLC | $1,150,000 | $315,000 | -72.6% | 0.0% |
| HOMESPIRE MORTGAGE CORPORATION | $670,000 | $300,000 | -55.2% | 0.0% |
| A&D Mortgage LLC | $125,000 | $295,000 | 136.0% | 0.0% |
| CHARLOTTE METRO FEDERAL CREDIT UNION | $285,000 | n/a | 0.0% | |
| IDB Global Federal Credit Union | $285,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $735,000 | $285,000 | -61.2% | 0.0% |
| OCMBC, INC. | $285,000 | n/a | 0.0% | |
| MEMBER ONE | $375,000 | $280,000 | -25.3% | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | $235,000 | $275,000 | 17.0% | 0.0% |
| FIRST TECHNOLOGY | $270,000 | n/a | 0.0% | |
| T2 FINANCIAL LLC | $1,280,000 | $265,000 | -79.3% | 0.0% |
| Uwharrie Bank | $265,000 | n/a | 0.0% | |
| Bank of Hope | $255,000 | n/a | 0.0% | |
| FAY SERVICING, LLC | $305,000 | $255,000 | -16.4% | 0.0% |
| HomeTrust Bank | $435,000 | $255,000 | -41.4% | 0.0% |
| MILEND, INC. | $1,245,000 | $255,000 | -79.5% | 0.0% |
| The Northern Trust Company | $1,215,000 | $255,000 | -79.0% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $960,000 | $245,000 | -74.5% | 0.0% |
| FirstBank | $235,000 | n/a | 0.0% | |
| DOMINION ENERGY CREDIT UNION | $35,000 | $225,000 | 542.9% | 0.0% |
| SOMERSET TRUST COMPANY | $225,000 | n/a | 0.0% | |
| SWBC MORTGAGE CORPORATION | $245,000 | $225,000 | -8.2% | 0.0% |
| UNIFY FINANCIAL Credit Union | $225,000 | n/a | 0.0% | |
| Nations Lending Corporation | $215,000 | n/a | 0.0% | |
| OAKTREE FUNDING CORP. | $255,000 | $215,000 | -15.7% | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | $205,000 | n/a | 0.0% | |
| State Department Federal Credit Union | $315,000 | $205,000 | -34.9% | 0.0% |
| FRANKLIN MINT | $195,000 | n/a | 0.0% | |
| MID-ISLAND MORTGAGE CORP. | $195,000 | n/a | 0.0% | |
| KeyBank | $480,000 | $185,000 | -61.5% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $185,000 | n/a | 0.0% | |
| Regions Bank | $255,000 | $185,000 | -27.5% | 0.0% |
| TOWNE MORTGAGE COMPANY | $185,000 | n/a | 0.0% | |
| Capital Bank | $165,000 | n/a | 0.0% | |
| Equity Prime Mortgage LLC | $570,000 | $155,000 | -72.8% | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | $925,000 | $155,000 | -83.2% | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | $155,000 | $155,000 | 0.0% | 0.0% |
| EVANSVILLE TEACHERS | $165,000 | $150,000 | -9.1% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $105,000 | $145,000 | 38.1% | 0.0% |
| ALLEGACY FEDERAL CREDIT UNION | $125,000 | n/a | 0.0% | |
| GUIDANCE RESIDENTIAL, LLC | $125,000 | n/a | 0.0% | |
| DIGITAL Federal Credit Union | $335,000 | $120,000 | -64.2% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $105,000 | n/a | 0.0% | |
| DUPACO COMMUNITY | $105,000 | n/a | 0.0% | |
| N R L Federal Credit Union | $105,000 | n/a | 0.0% | |
| Towne Bank | $1,460,000 | $105,000 | -92.8% | 0.0% |
| University Bank | $105,000 | n/a | 0.0% | |
| Signature Federal Credit Union | $595,000 | $95,000 | -84.0% | 0.0% |
| LIBRARY OF CONGRESS | $85,000 | n/a | 0.0% | |
| Truliant Federal Credit Union | $45,000 | $85,000 | 88.9% | 0.0% |
| Call Federal Credit Union | $75,000 | n/a | 0.0% | |
| EDUCATIONAL SYSTEMS | $75,000 | n/a | 0.0% | |
| United States Senate Federal Credit Union | $330,000 | $75,000 | -77.3% | 0.0% |
| Clearview Federal Credit Union | $75,000 | $55,000 | -26.7% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $55,000 | n/a | 0.0% |
CHARLOTTESVILLE's top lender by overall market share is Fulton Bank, with 6.7% market share. In second place, with 5.5%, is First Heritage Mortgage, LLC, having originated $83,505,000 in loans. In third place, with 5.4%, is UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION,INC., having originated $83,055,000 in loans. In fourth place, with 4.9%, is QUICKEN LOANS, LLC, having originated $75,195,000 in loans. In fifth place, with 4.2%, is Virginia Credit Union, Inc., having originated $64,055,000 in loans.
CHARLOTTESVILLE Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - CHARLOTTESVILLE (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 | $409,945 (5.1%) | $580,123 (3.7%) | 1.52 | 1,062 |
| 2018-02-01 | $401,220 (1.0%) | $565,367 (-1.8%) | 1.46 | 1,094 |
| 2018-03-01 | $399,900 (1.1%) | $591,964 (0.1%) | 1.40 | 1,250 |
| 2018-04-01 | $399,945 (0.0%) | $576,749 (-2.6%) | 1.36 | 1,383 |
| 2018-05-01 | $399,968 (-2.7%) | $573,755 (-3.7%) | 1.34 | 1,463 |
| 2018-06-01 | $399,900 (-2.5%) | $583,215 (-1.3%) | 1.33 | 1,493 |
| 2018-07-01 | $399,900 (-2.5%) | $573,599 (-2.3%) | 1.34 | 1,477 |
| 2018-08-01 | $399,700 (-4.3%) | $604,269 (4.7%) | 1.34 | 1,453 |
| 2018-09-01 | $399,000 (-4.8%) | $584,376 (0.5%) | 1.34 | 1,482 |
| 2018-10-01 | $394,950 (-7.5%) | $583,849 (-1.3%) | 1.34 | 1,495 |
| 2018-11-01 | $399,431 (-5.3%) | $587,304 (2.0%) | 1.35 | 1,350 |
| 2018-12-01 | $391,200 (-5.5%) | $551,086 (-4.8%) | 1.35 | 1,180 |
| 2019-01-01 | $396,681 (-3.2%) | $564,092 (-2.8%) | 1.37 | 1,102 |
| 2019-02-01 | $404,698 (0.9%) | $590,215 (4.4%) | 1.37 | 1,134 |
| 2019-03-01 | $429,114 (7.3%) | $612,097 (3.4%) | 1.40 | 1,259 |
| 2019-04-01 | $434,738 (8.7%) | $634,855 (10.1%) | 1.38 | 1,389 |
| 2019-05-01 | $443,445 (10.9%) | $638,119 (11.2%) | 1.39 | 1,458 |
| 2019-06-01 | $429,900 (7.5%) | $609,562 (4.5%) | 1.34 | 1,457 |
| 2019-07-01 | $429,900 (7.5%) | $616,102 (7.4%) | 1.35 | 1,447 |
| 2019-08-01 | $429,723 (7.5%) | $613,386 (1.5%) | 1.36 | 1,432 |
| 2019-09-01 | $429,457 (7.6%) | $607,297 (3.9%) | 1.37 | 1,429 |
| 2019-10-01 | $429,405 (8.7%) | $592,377 (1.5%) | 1.39 | 1,420 |
| 2019-11-01 | $425,198 (6.5%) | $584,925 (-0.4%) | 1.39 | 1,296 |
| 2019-12-01 | $424,950 (8.6%) | $589,355 (6.9%) | 1.42 | 1,118 |
| 2020-01-01 | $439,725 (10.9%) | $617,128 (9.4%) | 1.47 | 1,019 |
| 2020-02-01 | $449,000 (11.0%) | $636,193 (7.8%) | 1.47 | 1,038 |
| 2020-03-01 | $452,144 (5.4%) | $635,275 (3.8%) | 1.42 | 1,096 |
| 2020-04-01 | $454,923 (4.6%) | $640,726 (0.9%) | 1.43 | 1,105 |
| 2020-05-01 | $467,900 (5.5%) | $647,763 (1.5%) | 1.42 | 1,108 |
| 2020-06-01 | $474,950 (10.5%) | $662,521 (8.7%) | 1.40 | 1,012 |
| 2020-07-01 | $479,895 (11.6%) | $670,089 (8.8%) | 1.39 | 947 |
| 2020-08-01 | $479,600 (11.6%) | $697,784 (13.8%) | 1.37 | 847 |
| 2020-09-01 | $493,700 (15.0%) | $720,442 (18.6%) | 1.41 | 774 |
| 2020-10-01 | $489,900 (14.1%) | $721,761 (21.8%) | 1.40 | 731 |
| 2020-11-01 | $487,250 (14.6%) | $826,784 (41.4%) | 1.42 | 670 |
| 2020-12-01 | $481,900 (13.4%) | $828,957 (40.7%) | 1.43 | 570 |
| 2021-01-01 | $479,000 (8.9%) | $868,807 (40.8%) | 1.43 | 499 |
| 2021-02-01 | $516,549 (15.0%) | $922,898 (45.1%) | 1.50 | 423 |
| 2021-03-01 | $499,425 (10.5%) | $904,255 (42.3%) | 1.42 | 454 |
| 2021-04-01 | $492,000 (8.2%) | $896,981 (40.0%) | 1.33 | 439 |
| 2021-05-01 | $481,495 (2.9%) | $881,078 (36.0%) | 1.28 | 471 |
| 2021-06-01 | $490,623 (3.3%) | $795,574 (20.1%) | 1.29 | 468 |
| 2021-07-01 | $464,990 (-3.1%) | $746,752 (11.4%) | 1.23 | 488 |
| 2021-08-01 | $461,224 (-3.8%) | $755,748 (8.3%) | 1.23 | 479 |
| 2021-09-01 | $482,470 (-2.3%) | $772,102 (7.2%) | 1.29 | 485 |
| 2021-10-01 | $499,000 (1.9%) | $846,637 (17.3%) | 1.33 | 446 |
| 2021-11-01 | $512,425 (5.2%) | $907,508 (9.8%) | 1.37 | 374 |
| 2021-12-01 | $499,950 (3.8%) | $881,794 (6.4%) | 1.35 | 330 |
| 2022-01-01 | $544,267 (13.6%) | $987,173 (13.6%) | 1.47 | 267 |
| 2022-02-01 | $556,200 (7.7%) | $981,053 (6.3%) | 1.45 | 261 |
| 2022-03-01 | $514,950 (3.1%) | $869,759 (-3.8%) | 1.29 | 304 |
| 2022-04-01 | $509,900 (3.6%) | $860,557 (-4.1%) | 1.22 | 341 |
| 2022-05-01 | $509,212 (5.8%) | $869,923 (-1.3%) | 1.16 | 444 |
| 2022-06-01 | $520,205 (6.0%) | $900,348 (13.2%) | 1.16 | 485 |
| 2022-07-01 | $513,110 (10.4%) | $926,967 (24.1%) | 1.16 | 528 |
| 2022-08-01 | $499,948 (8.4%) | $887,764 (17.5%) | 1.16 | 506 |
| 2022-09-01 | $499,000 (3.4%) | $875,741 (13.4%) | 1.17 | 515 |
| 2022-10-01 | $499,900 (0.2%) | $893,274 (5.5%) | 1.18 | 551 |
| 2022-11-01 | $499,495 (-2.5%) | $876,098 (-3.5%) | 1.20 | 551 |
| 2022-12-01 | $524,900 (5.0%) | $876,549 (-0.6%) | 1.30 | 506 |
| 2023-01-01 | $542,400 (-0.3%) | $901,031 (-8.7%) | 1.34 | 461 |
| 2023-02-01 | $569,850 (2.5%) | $949,862 (-3.2%) | 1.38 | 449 |
| 2023-03-01 | $584,900 (13.6%) | $933,633 (7.3%) | 1.38 | 469 |
| 2023-04-01 | $565,000 (10.8%) | $891,364 (3.6%) | 1.31 | 523 |
| 2023-05-01 | $562,941 (10.6%) | $874,511 (0.5%) | 1.28 | 518 |
| 2023-06-01 | $570,938 (9.8%) | $895,319 (-0.6%) | 1.28 | 513 |
| 2023-07-01 | $574,950 (12.1%) | $884,973 (-4.5%) | 1.31 | 499 |
| 2023-08-01 | $573,650 (14.7%) | $887,936 (0.0%) | 1.32 | 493 |
| 2023-09-01 | $553,488 (10.9%) | $885,305 (1.1%) | 1.29 | 505 |
| 2023-10-01 | $550,000 (10.0%) | $878,354 (-1.7%) | 1.29 | 538 |
| 2023-11-01 | $562,043 (12.5%) | $857,641 (-2.1%) | 1.34 | 542 |
| 2023-12-01 | $562,495 (7.2%) | $837,113 (-4.5%) | 1.37 | 476 |
| 2024-01-01 | $565,590 (4.3%) | $828,981 (-8.0%) | 1.38 | 435 |
| 2024-02-01 | $561,275 (-1.5%) | $867,277 (-8.7%) | 1.35 | 437 |
| 2024-03-01 | $594,925 (1.7%) | $933,462 (0.0%) | 1.40 | 452 |
| 2024-04-01 | $587,399 (4.0%) | $936,640 (5.1%) | 1.37 | 487 |
| 2024-05-01 | $613,725 (9.0%) | $1,003,099 (14.7%) | 1.40 | 517 |
| 2024-06-01 | $594,950 (4.2%) | $981,828 (9.7%) | 1.35 | 554 |
| 2024-07-01 | $598,200 (4.0%) | $993,867 (12.3%) | 1.37 | 546 |
| 2024-08-01 | $599,000 (4.4%) | $990,292 (11.5%) | 1.39 | 556 |
| 2024-09-01 | $567,500 (2.5%) | $975,248 (10.2%) | 1.34 | 582 |
| 2024-10-01 | $554,500 (0.8%) | $918,841 (4.6%) | 1.30 | 615 |
| 2024-11-01 | $550,000 (-2.1%) | $913,115 (6.5%) | 1.32 | 589 |
| 2024-12-01 | $532,950 (-5.3%) | $914,734 (9.3%) | 1.32 | 470 |
| 2025-01-01 | $547,750 (-3.2%) | $965,538 (16.5%) | 1.37 | 427 |
| 2025-02-01 | $545,742 (-2.8%) | $974,315 (12.3%) | 1.32 | 444 |
| 2025-03-01 | $552,500 (-7.1%) | $902,189 (-3.4%) | 0.00 | 529 |
CHARLOTTESVILLE's median listing price for 2025-03-01 was $552,500, a difference of
$-42,425
(-7.1%) versus the prior year and
$6,758 versus the prior month.
CHARLOTTESVILLE's median listing price comes in at 0% of the national average.
CHARLOTTESVILLE's average listing price for 2025-03-01 was $902,189, a difference of $-31,273 (-3.4%) versus the prior year and $-72,126 versus the prior month.
For the 2025-03-01 period, CHARLOTTESVILLE had 529 MLS listings, a difference of 85 listings (19%) versus the prior month and 77 listings (17%) versus the prior year.
CHARLOTTESVILLE's median listing price comes in at 0% of the national average.
CHARLOTTESVILLE's average listing price for 2025-03-01 was $902,189, a difference of $-31,273 (-3.4%) versus the prior year and $-72,126 versus the prior month.
For the 2025-03-01 period, CHARLOTTESVILLE had 529 MLS listings, a difference of 85 listings (19%) versus the prior month and 77 listings (17%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - CHARLOTTESVILLE (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 107 days | 2,394 sqft |
| 2018-02-01 | 83 days | 2,366 sqft |
| 2018-03-01 | 53 days | 2,372 sqft |
| 2018-04-01 | 51 days | 2,371 sqft |
| 2018-05-01 | 55 days | 2,390 sqft |
| 2018-06-01 | 65 days | 2,378 sqft |
| 2018-07-01 | 80 days | 2,380 sqft |
| 2018-08-01 | 87 days | 2,366 sqft |
| 2018-09-01 | 90 days | 2,350 sqft |
| 2018-10-01 | 92 days | 2,368 sqft |
| 2018-11-01 | 96 days | 2,374 sqft |
| 2018-12-01 | 105 days | 2,299 sqft |
| 2019-01-01 | 111 days | 2,314 sqft |
| 2019-02-01 | 104 days | 2,360 sqft |
| 2019-03-01 | 74 days | 2,397 sqft |
| 2019-04-01 | 52 days | 2,407 sqft |
| 2019-05-01 | 57 days | 2,439 sqft |
| 2019-06-01 | 71 days | 2,403 sqft |
| 2019-07-01 | 77 days | 2,413 sqft |
| 2019-08-01 | 80 days | 2,421 sqft |
| 2019-09-01 | 80 days | 2,429 sqft |
| 2019-10-01 | 81 days | 2,433 sqft |
| 2019-11-01 | 86 days | 2,392 sqft |
| 2019-12-01 | 99 days | 2,338 sqft |
| 2020-01-01 | 107 days | 2,344 sqft |
| 2020-02-01 | 98 days | 2,410 sqft |
| 2020-03-01 | 61 days | 2,448 sqft |
| 2020-04-01 | 61 days | 2,439 sqft |
| 2020-05-01 | 72 days | 2,483 sqft |
| 2020-06-01 | 83 days | 2,519 sqft |
| 2020-07-01 | 87 days | 2,495 sqft |
| 2020-08-01 | 72 days | 2,500 sqft |
| 2020-09-01 | 70 days | 2,451 sqft |
| 2020-10-01 | 66 days | 2,415 sqft |
| 2020-11-01 | 66 days | 2,402 sqft |
| 2020-12-01 | 84 days | 2,400 sqft |
| 2021-01-01 | 94 days | 2,309 sqft |
| 2021-02-01 | 77 days | 2,328 sqft |
| 2021-03-01 | 49 days | 2,288 sqft |
| 2021-04-01 | 44 days | 2,304 sqft |
| 2021-05-01 | 41 days | 2,327 sqft |
| 2021-06-01 | 48 days | 2,323 sqft |
| 2021-07-01 | 45 days | 2,263 sqft |
| 2021-08-01 | 50 days | 2,248 sqft |
| 2021-09-01 | 51 days | 2,275 sqft |
| 2021-10-01 | 61 days | 2,282 sqft |
| 2021-11-01 | 64 days | 2,255 sqft |
| 2021-12-01 | 68 days | 2,291 sqft |
| 2022-01-01 | 80 days | 2,305 sqft |
| 2022-02-01 | 52 days | 2,274 sqft |
| 2022-03-01 | 34 days | 2,179 sqft |
| 2022-04-01 | 32 days | 2,160 sqft |
| 2022-05-01 | 34 days | 2,220 sqft |
| 2022-06-01 | 39 days | 2,252 sqft |
| 2022-07-01 | 46 days | 2,236 sqft |
| 2022-08-01 | 53 days | 2,201 sqft |
| 2022-09-01 | 50 days | 2,211 sqft |
| 2022-10-01 | 46 days | 2,207 sqft |
| 2022-11-01 | 53 days | 2,199 sqft |
| 2022-12-01 | 65 days | 2,220 sqft |
| 2023-01-01 | 83 days | 2,240 sqft |
| 2023-02-01 | 81 days | 2,262 sqft |
| 2023-03-01 | 49 days | 2,275 sqft |
| 2023-04-01 | 44 days | 2,227 sqft |
| 2023-05-01 | 50 days | 2,255 sqft |
| 2023-06-01 | 56 days | 2,252 sqft |
| 2023-07-01 | 57 days | 2,247 sqft |
| 2023-08-01 | 48 days | 2,251 sqft |
| 2023-09-01 | 53 days | 2,263 sqft |
| 2023-10-01 | 51 days | 2,246 sqft |
| 2023-11-01 | 59 days | 2,234 sqft |
| 2023-12-01 | 73 days | 2,255 sqft |
| 2024-01-01 | 81 days | 2,233 sqft |
| 2024-02-01 | 51 days | 2,218 sqft |
| 2024-03-01 | 43 days | 2,265 sqft |
| 2024-04-01 | 41 days | 2,243 sqft |
| 2024-05-01 | 42 days | 2,298 sqft |
| 2024-06-01 | 48 days | 2,300 sqft |
| 2024-07-01 | 50 days | 2,299 sqft |
| 2024-08-01 | 56 days | 2,306 sqft |
| 2024-09-01 | 55 days | 2,266 sqft |
| 2024-10-01 | 46 days | 2,262 sqft |
| 2024-11-01 | 53 days | 2,221 sqft |
| 2024-12-01 | 64 days | 2,154 sqft |
| 2025-01-01 | 66 days | 2,128 sqft |
| 2025-02-01 | 54 days | 2,133 sqft |
| 2025-03-01 | 0 days | 2,145 sqft |
CHARLOTTESVILLE'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.
CHARLOTTESVILLE's median square footage for active listings during the 2025-03-01 period was 2,145 sqft. One year prior, the average listing was 2,265 sqft.
CHARLOTTESVILLE's median square footage for active listings during the 2025-03-01 period was 2,145 sqft. One year prior, the average listing was 2,265 sqft.
CHARLOTTESVILLE, VA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,446 | $1,137,650,000 | $465,106 |
| Refi | 511 | $163,175,000 | $319,325 |
| Home Improvement | 488 | $65,240,000 | $133,689 |
| Cash Out Refi | 421 | $104,845,000 | $249,038 |
| Other | 415 | $57,425,000 | $138,373 |
Charlottesville's most frequently cited loan purpose was Home Purchase, with 2,446 originations. The 2nd most popular reason was Refi, with 511 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,712 | $729,740,000 | $426,250 |
| 7-8% | 855 | $302,245,000 | $353,503 |
| Over 8% | 605 | $143,985,000 | $237,992 |
| 5-6% | 527 | $211,405,000 | $401,148 |
| 4-5% | 46 | $19,430,000 | $422,391 |
| 2.5-3% | 9 | $3,345,000 | $371,667 |
| 3-4% | 6 | $1,610,000 | $268,333 |
| <2.5% | 3 | $15,000 | $5,000 |
During 2024, Charlottesville's most frequently originated rate bucket was 6-7%, with 1,712 originations.
Loan Sizing (CHARLOTTESVILLE, VA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,612 | $478,220,000 | $296,663 |
| $400k-600k | 826 | $397,120,000 | $480,775 |
| $100k-200k | 709 | $99,925,000 | $140,938 |
| $100,000 or less | 670 | $38,300,000 | $57,164 |
| $600k-1000k | 360 | $264,160,000 | $733,778 |
| $Over $1MM | 104 | $250,610,000 | $2,409,712 |
CHARLOTTESVILLE's loan sizing saw the bucket of loans from $200k-400k with 1,612 originations, totaling $478,220,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,265 | $578,495,000 | $457,308 |
| 60-80% | 999 | $417,355,000 | $417,773 |
| Under 20% | 516 | $44,320,000 | $85,891 |
| 40-60% | 432 | $195,690,000 | $452,986 |
| 20-40% | 424 | $87,560,000 | $206,509 |
| Over 100% | 68 | $68,580,000 | $1,008,529 |
CHARLOTTESVILLE's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,265 originations, totaling $578,495,000 in origination value.