Compare Virginia’s Mortgage Rates | Monday, August 18, 2025
Rates are current as of August 18, 2025 3:02 PM EDT
APR 6.75%
-0.04% 1wAPR 5.73%
0.00% 1wAPR 7.22%
0.00% 1w
NMLS#2059741
APR
5.81%
APR
5.81%
Interest rate
5.50%
Est. mo. payment
$2,272/mo
Total fees
$13,400
on Tomo's website
Show details
The Nerdy headline
Online lender Tomo Mortgage uses tech to streamline the process. Its interactive rates tool and no origination fee promise are pluses, but loans aren’t available in every state.
NerdWallet rating
4.0
- Special program offers a pricing break for first first-time home buyers.
- Offers financing options for self-employed borrowers and those without Social Security numbers.
- Interactive mortgage rates tool takes credit score and location into account.
- Purchase loans are not available in all states.
- Doesn’t offer home equity loans or lines of credit.
- No refinancing options are available.
NMLS#1018
APR
6.09%
APR
6.09%
Interest rate
5.75%
Est. mo. payment
$2,335/mo
Total fees
$14,402
on GO Mortgage's website
Show details
Home loans overall
NerdWallet rating
4.0
- Offers a wide variety of purchase mortgages, including renovation and construction loans.
- Has a fully-digital mortgage application process.
- Publishes only sample mortgage rates; you must contact the lender for customized rates.
- Does not offer adjustable-rate mortgages.
NMLS#330511
APR
6.27%
APR
6.27%
Interest rate
6.13%
Est. mo. payment
$2,431/mo
Total fees
$6,112
on Better's website
Show details
The Nerdy headline
Online-only lender Better offers a range of mortgage types and a one-stop shopping experience, though some borrowers may be turned off by the lender’s lack of chat support or a mobile app.
Home loans overall
NerdWallet rating4.5
- Borrowers can apply, lock in a rate and receive a commitment letter within one day.
- Offers both HELOCs and home equity loans with a high borrowing limit of 90% CLTV.
- Offers mortgages for manufactured homes, as well as financing for self-employed borrowers.
- No mobile app; customer service is by email or phone only.
- Borrower must provide contact information to see customized rates.
- Does not offer renovation or construction loans.
NMLS#447490
APR
6.38%
APR
6.38%
Interest rate
6.38%
Est. mo. payment
$2,496/mo
Total fees
$163
on Northpointe's website
Show details
The Nerdy headline
In addition to standard options like conventional and government-backed loans, including FHA loans, Northpointe Bank’s mortgage portfolio includes rarer offerings like doctor loans, condominium loans, investment property loans and loans for borrowers with credit challenges.
Home loans overall
NerdWallet rating4.5
- Closing may be available within 15 business days.
- Offers loans and programs aimed at making homeownership more accessible.
- Offers mortgages for investment properties, including jumbo loans.
- Average mortgage origination fees are on the high side, according to the latest data.
- Bank’s mobile app isn’t useful for mortgage borrowers.
NMLS#613839
APR
6.40%
APR
6.40%
Interest rate
6.25%
Est. mo. payment
$2,463/mo
Total fees
$6,203
on Farmers Bank of Kansas City's website
Show details
The Nerdy headline
Farmers Bank of Kansas City lets you browse rates and apply online, but branches are Kansas-only. Get discounts by using the bank’s partner real estate network.
Home loans overall
NerdWallet rating
4.5
- Displays customized rates, with fee estimates, without requiring contact information.
- Offers home equity loans and lines of credit.
- Mortgage origination fees are on the low side compared to other lenders, according to the latest federal data.
- Doesn’t offer government-backed FHA or USDA loans, or adjustable-rate mortgages.
- Home renovation loans are not available.
- Mortgage rates are on the high side compared to other lenders, according to the latest federal data.
NMLS#408902
APR
6.63%
APR
6.63%
Interest rate
6.63%
Est. mo. payment
$2,562/mo
Total fees
$91
on First Federal Bank's website
Show details
The Nerdy headline
First Federal Bank Mortgage Lenders stands out for its focus on government loan lending, and will likely appeal to FHA, VA and other niche loan borrowers.
Home loans overall
NerdWallet rating4.5
- Over 40% of all loans last year were FHA, VA or USDA loans.
- Average mortgage rates are on the lower side, according to the latest federal data.
- Offers 15-, 20-, 25-, and 30-year repayment terms, which is unusually flexible.
- No dedicated mobile app for mortgage borrowers.
- Some loans (including home equity products) are geographically limited.
NMLS#409631
APR
6.65%
APR
6.65%
Interest rate
6.63%
Est. mo. payment
$2,562/mo
Total fees
$1,027
on NBKC's website
Show details
The Nerdy headline
NBKC has a user-friendly website and low average rates, but the mobile app is not aimed at mortgage borrowers and browsing customized mortgage rates requires supplying your name and contact information.
Home loans overall
NerdWallet rating4.5
- Mortgage rates are on the low side compared to other lenders, according to the latest federal data.
- VA loans represent more than a quarter of purchase volume, a larger share than many lenders NerdWallet reviews.
- Offers a variety of loan types for purchase and refinance, including fixed- and adjustable-rate loans and government options
- HELOCs and no-down-payment loans are available only in the Kansas City metro area.
- Mobile app focuses on online banking, not mortgages.
- You’ll need to share contact information to see customized mortgage rates.
NMLS#407985
APR
6.66%
APR
6.66%
Interest rate
6.62%
Est. mo. payment
$2,561/mo
Total fees
$1,390
on Central Bank's website
Show details
The Nerdy headline
Midwest-rooted Central Bank offers an online application, which you can track via mobile app. But you’ll have to contact the bank for mortgage rates.
Home loans overall
NerdWallet rating
4.0
- Among the best when it comes to online convenience.
- Offers a full selection of mortgage types and products, including jumbo, home equity, and government loans.
- Claims to offer preapproval within 24 hours of loan application.
- You'll have to complete a loan application to see mortgage interest rates.
- Bank branch locations limited to the Midwest.
- Does not offer home equity lines of credit.
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About these rates: The lenders whose rates appear on this table are NerdWallet's advertising partners. NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a lender's site. The terms advertised here are not offers and do not bind any lender. The rates shown here are retrieved via the Mortech rate engine and are subject to change. These rates do not include taxes, fees, and insurance. Your actual rate and loan terms will be determined by the partner's assessment of your creditworthiness and other factors. Any potential savings figures are estimates based on the information provided by you and our advertising partners.
Explore Virginia’s mortgage rate trends
See how rates have changed over time to understand past patterns and economic fluctuations
Historical timeline
Loan purpose
Loan type
Virginia’s average 6.75%
Today's average mortgage rates
| Product | Interest rate | APR |
|---|---|---|
| 30-year Fixed | 6.74% | 6.75% |
| 30-year Fixed FHA | 6.63% | 7.37% |
| 30-year Fixed VA | 6.01% | 6.34% |
| 20-year Fixed | 6.39% | 6.40% |
| 15-year Fixed | 5.72% | 5.73% |
| 10-year Fixed | 5.75% | 5.81% |
| 3-year ARM | 3.76% | 3.46% |
| 5-year ARM | 7.15% | 7.22% |
| 7-year ARM | 7.16% | 7.23% |
| 10-year ARM | 6.74% | 6.75% |
Accurate as of 08/18/2025.
Data source: ©Zillow, Inc. 2025. Use is subject to the Terms of Use
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