LYNCHBURG Mortgage Rates

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

30 Year Fixed Rate mortgages in Lynchburg averaged 5.35% for the week of 2022-05-19, compared to the national average of 5.25% for the same period.

The average rate for the prior week (2022-05-12) was 5.6% and one month ago for the week of 2022-04-14, the average rate was 5.2%.

Lynchburg's average rate one year ago was 3.05%.

For refis of the same type during the week of 2022-05-19, the average rate was 5.13%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-05-19 5.25%
Lynchburg 30 Year Fixed Rate 2022-05-19 5.35%
Lynchburg 30 Year Fixed Rate Refi 2022-05-19 5.13%
Lynchburg 15 Year Fixed Rate 2022-05-19 4.74%
Lynchburg 15 Year Fixed Rate Refi 2022-05-19 4.56%
Lynchburg 30 Year FHA 2022-05-19 5.57%
Lynchburg 30 Year FHA Refi 2022-05-19 5.14%
Lynchburg 30 Year USDA 2022-05-19 5.37%
Lynchburg 30 Year USDA Refi 2022-05-19 4.91%
Lynchburg 30 Year VA 2022-05-19 5.38%
Lynchburg 30 Year VA Refi 2022-05-19 5.24%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within LYNCHBURG, VA.

LYNCHBURG 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 LYNCHBURG, 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 557 3.08% $4,647
MOVEMENT MORTGAGE, LLC 361 3.16% $3,568
EMBRACE HOME LOANS, INC. 255 3.08% $3,483
Renasant Bank 222 3.06% $3,493
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 193 3.16% $3,996
UNITED WHOLESALE MORTGAGE, LLC 187 2.96% $4,052
APEX HOME LOANS, INC. 175 3.24% $3,612
Wells Fargo Bank 157 3.12% $3,230
Citizens Bank 146 3.06% $3,560
NATION ONE MORTGAGE CORPORATION 115 3.26% $4,273
Truist Bank 113 3.08% $3,693
MCLEAN MORTGAGE CORPORATION 103 3.04% $3,269
ROUNDPOINT MORTGAGE SERVICING CORPORATION 74 3.39% $2,769
LOANDEPOT.COM, LLC 70 3.01% $4,162
FIRST BANCORP, INC. 70 3.23% $2,947
Alcova Mortgage LLC 65 3.04% $2,760
Prosperity Home Mortgage, LLC 62 3.16% $3,720
AMERISAVE MORTGAGE CORPORATION 58 2.89% $4,553
FREEDOM MORTGAGE CORPORATION 56 3.17% $2,599
GUARANTY HOME MORTGAGE CORPORATION 49 2.97% $3,609
First Reliance Bank 42 3.30% $3,287
Integrity Home Mortgage Corp 42 3.26% $5,053
Assurance Financial Group, L.L.C. 42 3.39% $3,377
Mr. Cooper ( Nationstar Mortgage ) 40 3.24% $4,871
Bank of America 39 2.92% $3,374
Atlantic Union Bank 38 3.31% $4,453
CAPITAL CENTER, L.L.C. 34 2.99% $1,136
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 34 3.09% $4,603
NAVY FEDERAL CREDIT UNION 32 3.49% $4,176
American National Bank and Trust Company 32 2.91% $3,358
CENTRAL VIRGINIA 31 3.64% $4,528
NEWREZ LLC 30 3.11% $3,707
BETTER MORTGAGE CORPORATION 29 2.82% $2,449
PENNYMAC LOAN SERVICES, LLC 28 3.14% $4,954
BROKER SOLUTIONS, INC. 27 3.04% $4,422
HOME POINT FINANCIAL CORPORATION 26 3.00% $3,924
Flagstar Bank, FSB 26 3.14% $3,504
SWBC MORTGAGE CORPORATION 23 3.14% $2,676
CALIBER HOME LOANS, INC. 22 3.18% $3,022
First-Citizens Bank & Trust Company 20 3.08% $4,595
NFM, INC. 20 3.29% $4,077
JPMorgan Chase Bank 19 3.02% $4,103
OVM FINANCIAL, INC. 19 3.07% $4,175
FREEDOM FIRST 18 3.02% $3,157
HOMESIDE FINANCIAL, LLC 18 3.31% $3,974
STEARNS LENDING, LLC 18 2.95% $3,490
GUARANTEED RATE, INC. 17 3.15% $4,622
MEMBER ONE 16 3.22% $3,722
C & F Mortgage Corporation 16 3.10% $3,196
NETWORK CAPITAL FUNDING CORPORATION 15 3.26% $3,459
MIDLAND MORTGAGE CORPORATION 14 3.12% $2,905
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 14 3.11% $3,498
INTERCOASTAL MORTGAGE COMPANY 14 3.30% $3,547
Blue Ridge Bank 13 3.38% $3,358
U.S. Bank 12 3.30% $4,581
AMERICAN FINANCING CORPORATION 12 3.10% $3,593
Virginia Credit Union, Inc. 12 3.30% $2,876
Wyndham Capital Mortgage, Inc. 11 2.99% $1,879
MUTUAL OF OMAHA MORTGAGE, INC. 11 3.25% $4,262
PROVIDENT FUNDING ASSOCIATES, L.P. 11 2.77% $3,180
First Guaranty Mortgage Corporation 10 2.91% $3,385
Pinnacle Bank 9 2.97% $3,577
PENTAGON FEDERAL CREDIT UNION 9 3.25% $2,547
Atlantic Coast Mortgage, LLC 9 3.13% $4,891
F & M BANK CORP. 9 3.08% $1,961
PRIMELENDING, A PLAINSCAPITAL COMPANY 7 3.05% $3,700
CHURCHILL MORTGAGE CORPORATION 7 3.43% $4,365
PNC Bank 7 3.00% $4,878
PRIMARY RESIDENTIAL MORTGAGE, INC. 7 3.16% $4,767
Farm Credit of the Virginias, ACA 7 4.84% $4,732
ZILLOW HOME LOANS, LLC 7 3.02% $2,932
First Heritage Mortgage, LLC 7 3.16% $4,496
Bank of England 6 3.00% $4,092
CROSSCOUNTRY MORTGAGE, LLC 6 3.25% $4,333
Fifth Third Bank 6 3.21% $3,336
KELLER MORTGAGE, LLC 6 3.04% $2,029
MICHIGAN MUTUAL, INC. 6 3.00% $5,310
AgFirst Farm Credit Bank 6 3.08% $3,735
Fulton Bank 5 3.23% $4,830
HOMESTEAD FUNDING CORP. 5 2.85% $3,380
Manufacturers and Traders Trust Company 5 3.23% $3,979
ROYAL UNITED MORTGAGE LLC 5 3.60% $7,818
THRIVE MORTGAGE, LLC 5 3.50% $3,872
Carrington Mortgage Services, LLC 5 4.00% $5,543
North American Savings Bank, F.S.B. 5 3.20% $2,973
Ixonia Bank 4 3.16% $3,705
AMERICAN FINANCIAL NETWORK, INC. 4 3.09% $15,818
AMERICAN PACIFIC MORTGAGE CORPORATION 4 3.66% $5,362
DUPONT COMMUNITY 4 2.65% $3,251
FIRST HOME MORTGAGE CORPORATION 4 2.97% $6,165
NBKC BANK 4 3.03% $1,791
SOFI LENDING CORP. 4 2.88% $2,967
TD Bank 4 2.81% $3,020
TOWNE MORTGAGE COMPANY 4 3.13% $4,438
Victorian Finance, LLC 4 3.25% $3,695
First Home Bank 3 2.96% $4,091
FINANCE OF AMERICA MORTGAGE LLC 3 3.21% $3,250
GENERAL ELECTRIC EMPLOYEES FEDERAL CREDIT UNION 3 3.46% $3,305
Congressional Bank 3 2.95% $2,222
SOUTHERN TRUST MORTGAGE, LLC 3 3.46% $4,023
SPRING EQ, LLC 3 2.71% $1,133
STATE EMPLOYEES' 3 3.25% $3,585
Ameris Bank 3 3.50% $3,753
MILEND, INC. 3 3.33% $7,559
LAKEVIEW LOAN SERVICING, LLC 3 3.71% $2,454
George Mason Mortgage, LLC 3 3.08% $4,298
LIBERTY HOME MORTGAGE CORPORATION 3 3.17% $6,186
Plains Commerce Bank 3 3.17% $3,921
CMG MORTGAGE, INC. 3 3.21% $3,052
Towne Bank 3 2.92% $3,609
HOMEBRIDGE FINANCIAL SERVICES, INC. 3 3.29% $5,166
USAA Federal Savings Bank 3 2.88% $4,565
NATIONWIDE MORTGAGE BANKERS, INC. 3 3.04% $5,292
Chicago Mortgage Solutions LLC 3 2.95% $1,068
Vellum Mortgage, Inc. 3 2.79% $3,461
CREDIT UNION MORTGAGE ASSOCIATION, INC. 3 2.92% $3,689
Waterstone Mortgage Corporation 3 3.29% $5,375
Republic Bank & Trust Company 3 2.88% $3,259
DEEPHAVEN MORTGAGE LLC 2 5.63% $7,427
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 3.31% $4,138
First Midwest Bank 2 2.50% $4,332
CityWorth Mortgage LLC 2 2.88% $4,351
First Mortgage Solutions, LLC 2 2.94% $1,261
EMM LOANS LLC 2 3.25% $3,171
GUARANTEED RATE AFFINITY, LLC 2 3.13% $3,352
CELEBRITY HOME LOANS, LLC 2 3.44% $5,967
PREMIA MORTGAGE, LLC 2 2.81% $0
Northpointe Bank 2 2.94% $2,840
IMPAC MORTGAGE CORP. 2 2.88% $498
Sierra Pacific Mortgage Company, Inc. 2 3.00% $5,033
JAMS-01, INC. 2 3.00% $4,204
Discover Bank 2 4.99% $0
Advance Financial Group, LLC 2 2.81% $4,481
Prime Choice Funding Inc. 2 2.81% $3,011
GUILD MORTGAGE COMPANY 2 3.00% $4,510
Baxter Credit Union 2 3.25% $3,499
Nations Lending Corporation 2 3.56% $4,590
First Community Bank 2 3.01% $3,721
Cf Bank 2 2.63% $1,580
AMERICAN INTERNET MORTGAGE, INC. 2 2.75% $2,617
Axos Bank 2 2.88% $2,352
RESIDENTIAL BANCORP. 2 2.99% $3,203
Mortgage Research Center, LLC 2 3.56% $4,848
PHH Mortgage Corporation 2 3.25% $10,099
The Federal Savings Bank 2 3.38% $6,048
Capital Bank 1 3.25% $4,337
Call Federal Credit Union 1 3.38% $2,521
BOKF 1 2.88% $2,353
PLANET HOME LENDING, LLC 1 2.88% $1,547
PLAZA HOME MORTGAGE, INC. 1 3.88% $6,456
BNC National Bank 1 2.75% $2,219
Presidential Bank, FSB 1 3.25% $12,279
Beeline Loans, Inc. 1 2.63% $941
Princeton Mortgage Corporation 1 2.88% $2,203
Armed Forces Bank 1 2.88% $3,802
Regions Bank 1 2.88% $3,340
RELIANCE FIRST CAPITAL, LLC 1 3.38% $4,888
ARC HOME LLC 1 3.25% $941
RESIDENTIAL HOME FUNDING CORP. 1 3.00% $7,370
Residential Mortgage Solutions, Inc. 1 3.63% $8,305
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 4.25% $9,962
ANGEL OAK HOME LOANS LLC 1 2.75% $2,421
Sandy Spring Bank 1 3.00% $3,836
Servion, Inc. 1 3.25% $3,025
SIRVA MORTGAGE, INC. 1 3.13% $2,607
WesBanco Bank, Inc. 1 2.75% $3,426
STANFORD Federal Credit Union 1 3.50% $1,749
Stifel Bank and Trust 1 2.88% $1,880
Strong Home Mortgage, LLC 1 2.75% $6,469
SUN WEST MORTGAGE COMPANY, INC. 1 3.88% $3,827
AmeriHome Mortgage Company, LLC 1 3.25% $3,226
T2 FINANCIAL LLC 1 3.13% $3,309
ALLIED MORTGAGE GROUP, INC. 1 3.38% $6,649
The Central Trust Bank 1 2.75% $6,892
The Fidelity Bank 1 4.13% $3,541
THE MORTGAGE LINK, INC. 1 2.88% $4,152
Amerifirst Financial, Inc. 1 3.63% $3,766
TOTAL MORTGAGE SERVICES, LLC 1 3.88% $5,045
York Traditions Bank 1 3.25% $2,952
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 3.00% $2,703
Truliant Federal Credit Union 1 3.13% $3,429
UNION HOME MORTGAGE CORP. 1 3.25% $3,805
United Nations Federal Credit Union 1 3.13% $2,565
AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. 1 3.00% $4,500
UNIVERSAL MORTGAGE & FINANCE, INC. 1 3.38% $4,667
US MORTGAGE CORPORATION 1 2.99% $1,974
Uwharrie Bank 1 3.38% $2,746
ValleyStar Credit Union 1 3.13% $10,120
VANDERBILT MORTGAGE AND FINANCE, INC. 1 4.99% $5,382
AMERICAN FINANCIAL RESOURCES, INC. 1 3.13% $4,471
First National Bank of Pennsylvania 1 2.88% $3,339
First Horizon Bank 1 3.38% $2,916
FIRST SAVINGS MORTGAGE CORPORATION 1 3.63% $5,129
FIRST HERITAGE FINANCIAL, LLC 1 3.00% $2,474
First Federal Bank 1 2.75% $3,681
FirstBank 1 3.00% $8,625
GENEVA FINANCIAL, LLC 1 2.88% $6,942
FIDELITY DIRECT MORTGAGE, LLC 1 3.13% $3,692
HAMILTON HOME LOANS, INC. 1 3.50% $2,192
HANSCOM 1 2.63% $3,180
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 3.25% $2,916
FIDELITY BANK 1 3.25% $3,516
EVANSVILLE TEACHERS 1 2.88% $4,553
ENVOY MORTGAGE, LTD 1 3.38% $4,010
HomeTrust Bank 1 3.13% $3,218
IDAHO STATE UNIVERSITY 1 3.13% $6,399
I. H. MISSISSIPPI VALLEY CREDIT UNION 1 2.00% $3,013
Independent Bank 1 2.88% $2,867
EASTMAN 1 4.00% $3,397
ABSOLUTE HOME MORTGAGE CORPORATION 1 2.88% $8,148
DEPARTMENT OF COMMERCE 1 3.13% $2,412
Keystone Funding, Inc. 1 2.75% $6,659
LENOX FINANCIAL MORTGAGE CORPORATION 1 3.00% $2,555
LOANPAL, LLC 1 3.13% $4,090
CRESCENT MORTGAGE COMPANY 1 2.99% $3,634
MASON MCDUFFIE MORTGAGE CORPORATION 1 3.88% $5,154
CONTOUR MORTGAGE CORPORATION 1 2.88% $6,568
Member Options, LLC 1 2.75% $3,742
Merchants Bank of Indiana 1 2.88% $5,072
MID AMERICA MORTGAGE, INC. 1 3.38% $7,582
Mid-Continent Funding, Inc. 1 2.88% $4,465
Commerce Bank 1 3.63% $3,471
Midwest Community Bank 1 2.75% $3,541
MORIA DEVELOPMENT, INC. 1 3.63% $3,527
MORTGAGE ACCESS CORP. 1 2.75% $2,382
Mortgage Assurance Inc. 1 3.50% $1,838
Colten Mortgage, LLC 1 3.13% $4,665
NASA Federal Credit Union 1 2.63% $8,016
City National Bank of West Virginia 1 3.69% $150
NATIONS DIRECT MORTGAGE, LLC 1 3.25% $2,147
AMERICAN ADVISORS GROUP 1 3.13% $3,072
NEW DAY FINANCIAL, LLC 1 2.50% $4,782
Century Mortgage Company DBA Century Lending Company 1 3.25% $16,017
CBM Mortgage, Inc. 1 3.38% $3,180
Notre Dame Federal Credit Union Corporation 1 3.13% $4,224
NP, Inc. 1 3.12% $2,984
Old National Bank 1 3.63% $2,987
ON Q FINANCIAL, INC. 1 2.88% $2,124
ONY GLO, INC. 1 3.25% $3,244
OPEN MORTGAGE, LLC 1 2.99% $3,267
Carter Bank & Trust 1 4.13% $3,324
Patriot Bank 1 2.75% $3,723

LYNCHBURG, VA's 242 lenders originated 11,093 loans during 2021. The total origination value was $2,373,175,000, with an average loan value of $213,934.

The top LYNCHBURG lender as defined by loan originations is QUICKEN LOANS, LLC, with 557 loans originated. Their average total fees are $4,647, which is $1,079 higher than the next largest lender, MOVEMENT MORTGAGE, LLC.

The lowest fee LYNCHBURG lenders (with over 10 loans originated) are CAPITAL CENTER, L.L.C. ($1,136), Wyndham Capital Mortgage, Inc. ($1,879), BETTER MORTGAGE CORPORATION ($2,449), FREEDOM MORTGAGE CORPORATION ($2,599) and SWBC MORTGAGE CORPORATION ($2,676).

The lowest rate LYNCHBURG lenders (with over 10 loans originated) are PROVIDENT FUNDING ASSOCIATES, L.P. (2.77%), BETTER MORTGAGE CORPORATION (2.82%), AMERISAVE MORTGAGE CORPORATION (2.89%), American National Bank and Trust Company (2.91%) and First Guaranty Mortgage Corporation (2.91%).

LYNCHBURG, 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 $170,730,000 $226,345,000 32.6% 9.5%
MOVEMENT MORTGAGE, LLC $138,535,000 $150,585,000 8.7% 6.3%
EMBRACE HOME LOANS, INC. $128,470,000 $128,745,000 0.2% 5.4%
Wells Fargo Bank $43,795,000 $104,010,000 137.5% 4.4%
UNITED WHOLESALE MORTGAGE, LLC $96,665,000 $86,160,000 -10.9% 3.6%
FREEDOM MORTGAGE CORPORATION $122,790,000 $83,345,000 -32.1% 3.5%
Renasant Bank $90,495,000 $81,625,000 -9.8% 3.4%
Truist Bank $82,710,000 $78,430,000 -5.2% 3.3%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $98,145,000 $72,115,000 -26.5% 3.0%
APEX HOME LOANS, INC. $55,070,000 $58,365,000 6.0% 2.5%
Citizens Bank $51,925,000 $51,250,000 -1.3% 2.2%
NATION ONE MORTGAGE CORPORATION $33,520,000 $48,390,000 44.4% 2.0%
American National Bank and Trust Company $26,780,000 $43,920,000 64.0% 1.9%
FIRST BANCORP, INC. $54,290,000 $39,920,000 -26.5% 1.7%
LOANDEPOT.COM, LLC $23,500,000 $38,395,000 63.4% 1.6%
Essex Bank $60,360,000 $35,405,000 -41.3% 1.5%
MCLEAN MORTGAGE CORPORATION $39,705,000 $31,340,000 -21.1% 1.3%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $1,960,000 $30,980,000 1,480.6% 1.3%
First National Bank $14,940,000 $29,385,000 96.7% 1.2%
Alcova Mortgage LLC $17,520,000 $27,825,000 58.8% 1.2%
Mr. Cooper ( Nationstar Mortgage ) $17,855,000 $25,875,000 44.9% 1.1%
Prosperity Home Mortgage, LLC $24,885,000 $25,440,000 2.2% 1.1%
Mortgage Research Center, LLC $20,365,000 $25,305,000 24.3% 1.1%
Atlantic Union Bank $23,150,000 $24,945,000 7.8% 1.1%
PENNYMAC LOAN SERVICES, LLC $13,900,000 $24,905,000 79.2% 1.0%
AMERISAVE MORTGAGE CORPORATION $16,155,000 $24,645,000 52.6% 1.0%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $28,435,000 $24,135,000 -15.1% 1.0%
NAVY FEDERAL CREDIT UNION $20,915,000 $24,090,000 15.2% 1.0%
First-Citizens Bank & Trust Company $20,385,000 $23,815,000 16.8% 1.0%
GUARANTY HOME MORTGAGE CORPORATION $12,805,000 $23,570,000 84.1% 1.0%
Pinnacle Bank $9,465,000 $21,115,000 123.1% 0.9%
Bank of America $14,040,000 $20,395,000 45.3% 0.9%
Integrity Home Mortgage Corp $19,720,000 n/a 0.8%
HOME POINT FINANCIAL CORPORATION $13,005,000 $16,280,000 25.2% 0.7%
CALIBER HOME LOANS, INC. $14,920,000 $15,930,000 6.8% 0.7%
NEWREZ LLC $9,025,000 $15,895,000 76.1% 0.7%
CAPITAL CENTER, L.L.C. $9,890,000 $14,520,000 46.8% 0.6%
Virginia Credit Union, Inc. $7,630,000 $14,430,000 89.1% 0.6%
Bank of the James $21,225,000 $13,690,000 -35.5% 0.6%
MEMBER ONE $18,725,000 $13,340,000 -28.8% 0.6%
LAKEVIEW LOAN SERVICING, LLC $8,050,000 $13,060,000 62.2% 0.6%
First Reliance Bank $17,425,000 $12,800,000 -26.5% 0.5%
Assurance Financial Group, L.L.C. $17,855,000 $12,610,000 -29.4% 0.5%
BETTER MORTGAGE CORPORATION $12,310,000 n/a 0.5%
FREEDOM FIRST $4,735,000 $12,065,000 154.8% 0.5%
Grandbridge Real Estate Capital LLC $11,755,000 n/a 0.5%
BROKER SOLUTIONS, INC. $4,820,000 $10,250,000 112.7% 0.4%
STEARNS LENDING, LLC $9,685,000 $10,075,000 4.0% 0.4%
SWBC MORTGAGE CORPORATION $8,955,000 $9,985,000 11.5% 0.4%
JPMorgan Chase Bank $9,105,000 $9,960,000 9.4% 0.4%
GUARANTEED RATE, INC. $4,640,000 $9,915,000 113.7% 0.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $6,595,000 $9,540,000 44.7% 0.4%
Carter Bank & Trust $16,660,000 $9,320,000 -44.1% 0.4%
GREYSTONE SERVICING COMPANY LLC $9,225,000 n/a 0.4%
OVM FINANCIAL, INC. $6,380,000 $8,060,000 26.3% 0.3%
U.S. Bank $11,340,000 $7,930,000 -30.1% 0.3%
CENTRAL VIRGINIA $5,745,000 $7,645,000 33.1% 0.3%
HOMESIDE FINANCIAL, LLC $4,040,000 $7,545,000 86.8% 0.3%
NEW DAY FINANCIAL, LLC $6,535,000 $7,235,000 10.7% 0.3%
Blue Ridge Bank $11,965,000 $6,935,000 -42.0% 0.3%
Flagstar Bank, FSB $5,435,000 $6,840,000 25.9% 0.3%
PENTAGON FEDERAL CREDIT UNION $2,295,000 $6,480,000 182.4% 0.3%
The Farmers Bank of Appomattox $9,305,000 $6,205,000 -33.3% 0.3%
USAA Federal Savings Bank $13,040,000 $5,975,000 -54.2% 0.3%
C & F Mortgage Corporation $8,875,000 $5,750,000 -35.2% 0.2%
NFM, INC. $1,510,000 $4,980,000 229.8% 0.2%
BLUE EAGLE CREDIT UNION $4,670,000 $4,905,000 5.0% 0.2%
AMERICAN FINANCIAL RESOURCES, INC. $5,810,000 $4,830,000 -16.9% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $2,230,000 $4,695,000 110.5% 0.2%
AgFirst Farm Credit Bank $1,825,000 $4,550,000 149.3% 0.2%
PNC Bank $2,885,000 $4,490,000 55.6% 0.2%
Carrington Mortgage Services, LLC $6,205,000 $4,470,000 -28.0% 0.2%
INTERCOASTAL MORTGAGE COMPANY $2,105,000 $4,370,000 107.6% 0.2%
NETWORK CAPITAL FUNDING CORPORATION $785,000 $4,335,000 452.2% 0.2%
AMERICAN FINANCING CORPORATION $2,595,000 $4,290,000 65.3% 0.2%
CHURCHILL MORTGAGE CORPORATION $3,055,000 $4,190,000 37.2% 0.2%
First Guaranty Mortgage Corporation $1,110,000 $4,110,000 270.3% 0.2%
PROVIDENT FUNDING ASSOCIATES, L.P. $2,215,000 $3,855,000 74.0% 0.2%
AMERICAN FINANCIAL NETWORK, INC. $2,650,000 $3,820,000 44.2% 0.2%
MIDLAND MORTGAGE CORPORATION $5,140,000 $3,810,000 -25.9% 0.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $125,000 $3,595,000 2,776.0% 0.2%
Atlantic Coast Mortgage, LLC $3,080,000 $3,530,000 14.6% 0.1%
VANDERBILT MORTGAGE AND FINANCE, INC. $5,700,000 $3,415,000 -40.1% 0.1%
NATIONAL BANKSHARES, INC. $3,285,000 n/a 0.1%
The Federal Savings Bank $6,215,000 $3,280,000 -47.2% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $2,755,000 $3,150,000 14.3% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $3,065,000 $3,130,000 2.1% 0.1%
F & M BANK CORP. $1,205,000 $3,125,000 159.3% 0.1%
TIDEWATER MORTGAGE SERVICES, INC. $1,300,000 $3,075,000 136.5% 0.1%
Bank of Botetourt $1,400,000 $3,045,000 117.5% 0.1%
Waterstone Mortgage Corporation $2,285,000 $3,020,000 32.2% 0.1%
Wyndham Capital Mortgage, Inc. $1,625,000 $2,985,000 83.7% 0.1%
Ameris Bank $5,115,000 $2,845,000 -44.4% 0.1%
Fifth Third Bank $1,150,000 $2,625,000 128.3% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $1,945,000 $2,620,000 34.7% 0.1%
ZILLOW HOME LOANS, LLC $925,000 $2,610,000 182.2% 0.1%
CROSSCOUNTRY MORTGAGE, LLC $1,210,000 $2,460,000 103.3% 0.1%
THRIVE MORTGAGE, LLC $2,450,000 n/a 0.1%
Fulton Bank $2,665,000 $2,375,000 -10.9% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $1,185,000 $2,365,000 99.6% 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $1,785,000 $2,255,000 26.3% 0.1%
First Heritage Mortgage, LLC $5,165,000 $2,225,000 -56.9% 0.1%
ValleyStar Credit Union $925,000 $2,225,000 140.5% 0.1%
North American Savings Bank, F.S.B. $1,770,000 $2,215,000 25.1% 0.1%
MICHIGAN MUTUAL, INC. $2,085,000 n/a 0.1%
TOWNE MORTGAGE COMPANY $2,075,000 $2,055,000 -1.0% 0.1%
Farm Credit of the Virginias, ACA $125,000 $2,045,000 1,536.0% 0.1%
HomeTrust Bank $3,880,000 $1,955,000 -49.6% 0.1%
ACCELERATE MORTGAGE, LLC $1,945,000 n/a 0.1%
VILLAGE CAPITAL & INVESTMENT LLC $1,930,000 n/a 0.1%
First Federal Bank $1,625,000 $1,900,000 16.9% 0.1%
Chicago Mortgage Solutions LLC $1,890,000 n/a 0.1%
SOFI LENDING CORP. $840,000 $1,885,000 124.4% 0.1%
George Mason Mortgage, LLC $5,750,000 $1,865,000 -67.6% 0.1%
KELLER MORTGAGE, LLC $2,695,000 $1,830,000 -32.1% 0.1%
BNC National Bank $725,000 $1,820,000 151.0% 0.1%
Nations Lending Corporation $1,560,000 $1,775,000 13.8% 0.1%
ROYAL UNITED MORTGAGE LLC $1,565,000 $1,730,000 10.5% 0.1%
NBKC BANK $1,440,000 $1,725,000 19.8% 0.1%
Bank of England $2,870,000 $1,695,000 -40.9% 0.1%
STATE EMPLOYEES' $1,025,000 $1,695,000 65.4% 0.1%
SOUTHERN TRUST MORTGAGE, LLC $580,000 $1,645,000 183.6% 0.1%
FINANCE OF AMERICA MORTGAGE LLC $2,185,000 $1,620,000 -25.9% 0.1%
CNB Bank $455,000 $1,580,000 247.3% 0.1%
Figure Lending LLC $425,000 $1,580,000 271.8% 0.1%
TD Bank $2,485,000 $1,565,000 -37.0% 0.1%
First Mortgage Solutions, LLC $2,440,000 $1,525,000 -37.5% 0.1%
CLEARPATH LENDING $3,765,000 $1,510,000 -59.9% 0.1%
Towne Bank $1,625,000 $1,480,000 -8.9% 0.1%
Commerce Home Mortgage, Inc. $410,000 $1,465,000 257.3% 0.1%
SPRING EQ, LLC $670,000 $1,460,000 117.9% 0.1%
VELOCITY COMMERCIAL CAPITAL, LLC $285,000 $1,385,000 386.0% 0.1%
Presidential Bank, FSB $1,480,000 $1,340,000 -9.5% 0.1%
DUPONT COMMUNITY $1,210,000 $1,270,000 5.0% 0.1%
HOMESTEAD FUNDING CORP. $2,755,000 $1,270,000 -53.9% 0.1%
Prime Choice Funding Inc. $815,000 $1,260,000 54.6% 0.1%
Northpointe Bank $805,000 $1,255,000 55.9% 0.1%
Arvest Bank $555,000 $1,220,000 119.8% 0.1%
EMM LOANS LLC $290,000 $1,195,000 312.1% 0.1%
Manufacturers and Traders Trust Company $310,000 $1,195,000 285.5% 0.1%
PLANET HOME LENDING, LLC $1,935,000 $1,160,000 -40.1% 0.0%
PLAZA HOME MORTGAGE, INC. $1,960,000 $1,155,000 -41.1% 0.0%
21ST MORTGAGE CORPORATION $970,000 $1,145,000 18.0% 0.0%
First Home Bank $1,135,000 n/a 0.0%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $480,000 $1,130,000 135.4% 0.0%
RELIANCE FIRST CAPITAL, LLC $2,790,000 $1,095,000 -60.8% 0.0%
ARC HOME LLC $3,200,000 $1,090,000 -65.9% 0.0%
CMG MORTGAGE, INC. $790,000 $1,085,000 37.3% 0.0%
Paramount Residential Mortgage Group, Inc. $720,000 $1,085,000 50.7% 0.0%
GENERAL ELECTRIC EMPLOYEES FEDERAL CREDIT UNION $855,000 $1,065,000 24.6% 0.0%
FIRST HOME MORTGAGE CORPORATION $1,055,000 $1,060,000 0.5% 0.0%
Ixonia Bank $275,000 $1,050,000 281.8% 0.0%
SOUTHWEST STAGE FUNDING, LLC $1,335,000 $1,040,000 -22.1% 0.0%
Pendleton Community Bank, Inc. $1,030,000 n/a 0.0%
MILEND, INC. $1,000,000 $1,020,000 2.0% 0.0%
UNIVERSITY LENDING GROUP, LLC $1,015,000 n/a 0.0%
Barrington Bank & Trust Company, N.A. $1,270,000 $1,010,000 -20.5% 0.0%
Skyline National Bank $495,000 $1,010,000 104.0% 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,170,000 $980,000 -16.2% 0.0%
Cf Bank $670,000 $980,000 46.3% 0.0%
ALLIED MORTGAGE GROUP, INC. $1,170,000 $955,000 -18.4% 0.0%
GUARANTEED RATE AFFINITY, LLC $710,000 $940,000 32.4% 0.0%
Third Federal Savings and Loan Association of Cleveland $545,000 $935,000 71.6% 0.0%
PHH Mortgage Corporation $810,000 $930,000 14.8% 0.0%
Axos Bank $460,000 $925,000 101.1% 0.0%
Republic Bank & Trust Company $925,000 n/a 0.0%
Lakeview Community Capital, LLC $1,025,000 $920,000 -10.2% 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $905,000 n/a 0.0%
LOANPAL, LLC $415,000 $880,000 112.0% 0.0%
FirstBank $2,320,000 $870,000 -62.5% 0.0%
LIBERTY HOME MORTGAGE CORPORATION $865,000 $865,000 0.0% 0.0%
Vellum Mortgage, Inc. $1,030,000 $865,000 -16.0% 0.0%
AMERICAN ADVISORS GROUP $1,295,000 $800,000 -38.2% 0.0%
Advance Financial Group, LLC $795,000 n/a 0.0%
CityWorth Mortgage LLC $275,000 $785,000 185.5% 0.0%
Sierra Pacific Mortgage Company, Inc. $1,005,000 $780,000 -22.4% 0.0%
CELEBRITY HOME LOANS, LLC $95,000 $770,000 710.5% 0.0%
JAMS-01, INC. $760,000 $770,000 1.3% 0.0%
FINANCE OF AMERICA REVERSE LLC $445,000 $760,000 70.8% 0.0%
NP, Inc. $320,000 $760,000 137.5% 0.0%
ENVOY MORTGAGE, LTD $2,785,000 $755,000 -72.9% 0.0%
PREMIA MORTGAGE, LLC $750,000 n/a 0.0%
Low VA Rates, LLC $1,770,000 $725,000 -59.0% 0.0%
Discover Bank $350,000 $705,000 101.4% 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $145,000 $705,000 386.2% 0.0%
ONY GLO, INC. $700,000 n/a 0.0%
Century Mortgage Company DBA Century Lending Company $695,000 n/a 0.0%
IMPAC MORTGAGE CORP. $695,000 n/a 0.0%
CBM Mortgage, Inc. $195,000 $680,000 248.7% 0.0%
UNION HOME MORTGAGE CORP. $680,000 n/a 0.0%
First Midwest Bank $490,000 $670,000 36.7% 0.0%
MORIA DEVELOPMENT, INC. $665,000 n/a 0.0%
Watermark Capital, Inc. $665,000 n/a 0.0%
Truliant Federal Credit Union $275,000 $635,000 130.9% 0.0%
Mid-Continent Funding, Inc. $285,000 $630,000 121.1% 0.0%
NATIONS DIRECT MORTGAGE, LLC $2,420,000 $625,000 -74.2% 0.0%
EVANSVILLE TEACHERS $605,000 n/a 0.0%
OCEANSIDE MORTGAGE COMPANY $105,000 $595,000 466.7% 0.0%
First Horizon Bank $570,000 n/a 0.0%
Independent Bank $315,000 $570,000 81.0% 0.0%
Victorian Finance, LLC $560,000 n/a 0.0%
Magnolia Bank $145,000 $555,000 282.8% 0.0%
AmeriHome Mortgage Company, LLC $895,000 $550,000 -38.5% 0.0%
SIRVA MORTGAGE, INC. $650,000 $550,000 -15.4% 0.0%
Chesapeake Bank $545,000 n/a 0.0%
Colten Mortgage, LLC $545,000 n/a 0.0%
MK LENDING CORP. $545,000 n/a 0.0%
AMERICAN INTERNET MORTGAGE, INC. $1,350,000 $520,000 -61.5% 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $520,000 n/a 0.0%
First Internet Bank of Indiana $745,000 $495,000 -33.6% 0.0%
NASA Federal Credit Union $195,000 $495,000 153.8% 0.0%
American Airlines Federal Credit Union $490,000 n/a 0.0%
Stifel Bank and Trust $1,840,000 $490,000 -73.4% 0.0%
DEEPHAVEN MORTGAGE LLC $480,000 n/a 0.0%
ON Q FINANCIAL, INC. $680,000 $475,000 -30.1% 0.0%
Aurora Financial, LLC $875,000 $470,000 -46.3% 0.0%
TOTAL MORTGAGE SERVICES, LLC $465,000 n/a 0.0%
Chain Bridge Bank $455,000 n/a 0.0%
Mortgage Bank of California $455,000 n/a 0.0%
Southern Bank and Trust Company $365,000 $455,000 24.7% 0.0%
MID AMERICA MORTGAGE, INC. $360,000 $445,000 23.6% 0.0%
Amerifirst Financial, Inc. $420,000 n/a 0.0%
First Community Bank $915,000 $420,000 -54.1% 0.0%
RESIDENTIAL HOME FUNDING CORP. $420,000 n/a 0.0%
UNIVERSAL MORTGAGE & FINANCE, INC. $355,000 $415,000 16.9% 0.0%
CONTOUR MORTGAGE CORPORATION $235,000 $410,000 74.5% 0.0%
IDAHO STATE UNIVERSITY $410,000 n/a 0.0%
The Central Trust Bank $410,000 n/a 0.0%
Congressional Bank $405,000 n/a 0.0%
CRESCENT MORTGAGE COMPANY $155,000 $405,000 161.3% 0.0%
Residential Mortgage Solutions, Inc. $405,000 n/a 0.0%
EASTMAN $400,000 n/a 0.0%
LEADERONE FINANCIAL CORPORATION $395,000 n/a 0.0%
Sunflower Bank $385,000 n/a 0.0%
City Bank $380,000 $375,000 -1.3% 0.0%
CPM Federal Credit Union $375,000 n/a 0.0%
FIRST COMMUNITY MORTGAGE, INC. $165,000 $370,000 124.2% 0.0%
Notre Dame Federal Credit Union Corporation $370,000 n/a 0.0%
Mortgage Assurance Inc. $365,000 n/a 0.0%
HOMESPIRE MORTGAGE CORPORATION $360,000 n/a 0.0%
RESIDENTIAL BANCORP. $360,000 n/a 0.0%
Sandy Spring Bank $355,000 n/a 0.0%
Tidewater Home Funding, LLC $220,000 $350,000 59.1% 0.0%
Austin Capital Bank SSB $345,000 n/a 0.0%
FineMark National Bank & Trust $345,000 n/a 0.0%
Member Options, LLC $345,000 n/a 0.0%
Plains Commerce Bank $995,000 $345,000 -65.3% 0.0%
Union Bank $345,000 n/a 0.0%
Capital Bank $335,000 $340,000 1.5% 0.0%
GENEVA FINANCIAL, LLC $1,640,000 $340,000 -79.3% 0.0%
Regions Bank $6,160,000 $340,000 -94.5% 0.0%
T2 FINANCIAL LLC $235,000 $335,000 42.6% 0.0%
BAYSHORE MORTGAGE FUNDING, LLC $595,000 $330,000 -44.5% 0.0%
BAY CAPITAL MORTGAGE CORPORATION $415,000 $325,000 -21.7% 0.0%
ROSS MORTGAGE CORPORATION $325,000 n/a 0.0%
The Huntington National Bank $635,000 $325,000 -48.8% 0.0%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $905,000 $320,000 -64.6% 0.0%
Midwest Community Bank $315,000 n/a 0.0%
DEPARTMENT OF COMMERCE $305,000 n/a 0.0%
Merchants Bank of Indiana $295,000 n/a 0.0%
Strong Home Mortgage, LLC $295,000 n/a 0.0%
The Fidelity Bank $95,000 $295,000 210.5% 0.0%
ALLIANT CREDIT UNION $290,000 n/a 0.0%
Baxter Credit Union $290,000 n/a 0.0%
FIDELITY BANK $285,000 n/a 0.0%
US MORTGAGE CORPORATION $380,000 $285,000 -25.0% 0.0%
DOMINION ENERGY CREDIT UNION $115,000 $275,000 139.1% 0.0%
THE MORTGAGE LINK, INC. $275,000 n/a 0.0%
LENDINGONE, LLC $270,000 n/a 0.0%
First Savings Bank $440,000 $265,000 -39.8% 0.0%
HANSCOM $265,000 n/a 0.0%
I. H. MISSISSIPPI VALLEY CREDIT UNION $265,000 n/a 0.0%
Paramount Bank $775,000 $265,000 -65.8% 0.0%
South State Bank $105,000 $265,000 152.4% 0.0%
First National Bank of Pennsylvania $405,000 $260,000 -35.8% 0.0%
ABSOLUTE HOME MORTGAGE CORPORATION $255,000 n/a 0.0%
ANGEL OAK HOME LOANS LLC $1,100,000 $255,000 -76.8% 0.0%
Hometown Equity Mortgage, LLC $195,000 $255,000 30.8% 0.0%
Patriot Bank $255,000 n/a 0.0%
Call Federal Credit Union $185,000 $250,000 35.1% 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $245,000 n/a 0.0%
Bank of Charles Town $245,000 n/a 0.0%
United Fidelity Funding Corp. $510,000 $245,000 -52.0% 0.0%
Farmers and Miners Bank $240,000 n/a 0.0%
INTERCAP LENDING INC. $390,000 $235,000 -39.7% 0.0%
Keystone Funding, Inc. $235,000 n/a 0.0%
LENDERFI, INC. $235,000 n/a 0.0%
Uwharrie Bank $235,000 n/a 0.0%
GUILD MORTGAGE COMPANY $375,000 $230,000 -38.7% 0.0%
Beeline Loans, Inc. $540,000 $225,000 -58.3% 0.0%
City National Bank of West Virginia $235,000 $225,000 -4.3% 0.0%
UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION,INC. $550,000 $225,000 -59.1% 0.0%
CALCON MUTUAL MORTGAGE LLC $215,000 n/a 0.0%
Commerce Bank $215,000 n/a 0.0%
Community First National Bank $205,000 $215,000 4.9% 0.0%
FAMILY FIRST FUNDING LLC $215,000 n/a 0.0%
SOUTHPOINT FINANCIAL SERVICES, INC. $1,855,000 $215,000 -88.4% 0.0%
EagleBank $550,000 $205,000 -62.7% 0.0%
MORTGAGE ACCESS CORP. $1,245,000 $205,000 -83.5% 0.0%
Old National Bank $205,000 n/a 0.0%
STANFORD Federal Credit Union $205,000 n/a 0.0%
United Bank $360,000 $205,000 -43.1% 0.0%
NUMARK CREDIT UNION $25,000 $200,000 700.0% 0.0%
JUSTICE Federal Credit Union $195,000 n/a 0.0%
Servion, Inc. $225,000 $195,000 -13.3% 0.0%
WesBanco Bank, Inc. $195,000 n/a 0.0%
American National Bank of Minnesota $185,000 n/a 0.0%
Apple Federal Credit Union $290,000 $185,000 -36.2% 0.0%
Virginia National Bank $185,000 n/a 0.0%
LENDINGHOME FUNDING CORPORATION $75,000 $180,000 140.0% 0.0%
Chickasaw Community Bank $175,000 n/a 0.0%
HAMILTON HOME LOANS, INC. $175,000 n/a 0.0%
LENDSURE MORTGAGE CORP. $175,000 n/a 0.0%
FIDELITY DIRECT MORTGAGE, LLC $215,000 $165,000 -23.3% 0.0%
Nicolet National Bank $165,000 n/a 0.0%
OPEN MORTGAGE, LLC $165,000 n/a 0.0%
Summit Community Bank, Inc. $165,000 n/a 0.0%
FIRST SAVINGS MORTGAGE CORPORATION $1,275,000 $155,000 -87.8% 0.0%
Metro City Bank $155,000 n/a 0.0%
Princeton Mortgage Corporation $155,000 n/a 0.0%
MASON MCDUFFIE MORTGAGE CORPORATION $95,000 $145,000 52.6% 0.0%
A Mortgage Boutique, LLC $205,000 $135,000 -34.1% 0.0%
First Bank $485,000 $135,000 -72.2% 0.0%
Gateway First Bank $145,000 $135,000 -6.9% 0.0%
NexBank $135,000 n/a 0.0%
BOKF $825,000 $125,000 -84.8% 0.0%
United Nations Federal Credit Union $125,000 n/a 0.0%
TOWER $555,000 $120,000 -78.4% 0.0%
AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. $105,000 $115,000 9.5% 0.0%
The Freedom Bank of Virginia $115,000 n/a 0.0%
Triumph Bank $115,000 n/a 0.0%
ALLEGACY FEDERAL CREDIT UNION $105,000 n/a 0.0%
Armed Forces Bank $105,000 n/a 0.0%
Clearview Federal Credit Union $105,000 n/a 0.0%
FIRST HERITAGE FINANCIAL, LLC $105,000 n/a 0.0%
RUOFF MORTGAGE COMPANY, INC. $510,000 $105,000 -79.4% 0.0%
TIAA, FSB $1,290,000 $105,000 -91.9% 0.0%
York Traditions Bank $275,000 $105,000 -61.8% 0.0%
Northwest Federal Credit Union $560,000 $100,000 -82.1% 0.0%
NEXTMARK $45,000 $85,000 88.9% 0.0%
Colonial Savings, F.A. $265,000 $75,000 -71.7% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $75,000 n/a 0.0%
LIMA ONE CAPITAL, LLC $75,000 n/a 0.0%
MEMBERS 1ST FEDERAL CREDIT UNION $175,000 $75,000 -57.1% 0.0%
LANGLEY $530,000 $65,000 -87.7% 0.0%
First National Bank of America $55,000 n/a 0.0%
Bethpage Federal Credit Union $280,000 $35,000 -87.5% 0.0%
COASTAL Federal Credit Union $25,000 n/a 0.0%
Citizens Bank and Trust Company $65,000 $20,000 -69.2% 0.0%

LYNCHBURG's top lender by overall market share is QUICKEN LOANS, LLC, with 9.5% market share. In second place, with 6.3%, is MOVEMENT MORTGAGE, LLC, having originated $150,585,000 in loans. In third place, with 5.4%, is EMBRACE HOME LOANS, INC., having originated $128,745,000 in loans. In third place, with 4.4%, is Wells Fargo Bank, having originated $104,010,000 in loans. In third place, with 3.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $86,160,000 in loans.


LYNCHBURG, VA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 4,628 $1,095,850,000 $236,787
Refi 3,921 $834,655,000 $212,868
Cash Out Refi 1,893 $370,685,000 $195,819
Other 331 $33,945,000 $102,553
Home Improvement 320 $38,040,000 $118,875

Lynchburg's most frequently cited loan purpose was Home Purchase, with 4,628 originations. The 2nd most popular reason was Refi, with 3,921 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 4,340 $937,060,000 $215,912
3-4% 3,818 $822,340,000 $215,385
<2.5% 1,995 $438,625,000 $219,862
4-5% 443 $58,995,000 $133,172
Over 8% 111 $8,865,000 $79,865
5-6% 53 $5,385,000 $101,604
6-7% 35 $2,715,000 $77,571
7-8% 31 $1,995,000 $64,355

During 2021, Lynchburg's most frequently originated rate bucket was 2.5-3%, with 4,340 originations.

Loan Sizing (LYNCHBURG, VA MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 4,956 $745,590,000 $150,442
$200k-400k 3,836 $1,026,070,000 $267,484
$100,000 or less 1,622 $103,280,000 $63,674
$400k-600k 539 $257,605,000 $477,931
$600k-1000k 97 $71,115,000 $733,144
$Over $1MM 43 $169,515,000 $3,942,209

LYNCHBURG's loan sizing saw the bucket of loans from $100k-200k with 4,956 originations, totaling $745,590,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 4,209 $980,595,000 $232,976
60-80% 3,673 $843,045,000 $229,525
40-60% 1,420 $247,860,000 $174,549
20-40% 602 $69,290,000 $115,100
Under 20% 395 $15,755,000 $39,886
Over 100% 138 $40,030,000 $290,072

LYNCHBURG's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 4,209 originations, totaling $980,595,000 in origination value.